Hi. Whilst claiming back my PPI I thought I'd check my credit file. On there it shows 4 Default for Natwest : 1 Personal Loan - Managed by Wescot Credit Services where I have a monthly payment plan in place 2 Credit Card - Again managed by Wescot Credit Services 3 Advantage Gold Account - Overdraft 4 Current Plus Account - overdraft Now I'm aware of receiving 2 Defaults in relation to non-payment of Personal Loan and Credit Card. I was advised by Lending Centre that the only way to get reduced payments is for the accounts to be referred to the Debt Management Centre - which resulted in it being referred to Wescot and me arranging to pay 2 monthly payments. Now I'm not aware of a Default Notice being issued for my 2 Current Accounts in relation to the overdraft. I stopped paying my salary into the accounts because my cards where stopped and I had no access to withdraw funds (again as advised by Nat West Lending Centre). So where do I stand that the payments made to Wescot were initially used to pay off both of my overdrafts before reducing the balance on my loan or credit card? How did I get 2 extra Defaults for the Current Accounts when there was no payment agreement in place as they are overdrafts? Am I just confusing myself or should there never have been Defaults registered against the 2 Current Accounts anyway? The balances of both accounts are now zero and I've requested they both be closed which Natwest have agreed to but now I'm stuck with 4 Defaults instead of what I beleive should be 2.. Anyone any advice or been in the same boat?? Thanks Tina

Hi. Yes we can use my parents address for all correspondence. Will that be ok for the agreement?

Thanks for all the responses. Although the tenants are friends of ours we are definitely going to get a legal tenancy agreement drawn up just in case. I know friendships can breakdown through money issues etc and we need to cover ourselves as well financially. We have decided not to go through a letting agent because I do know people who have had bad experiences. Also they are charging between 10-12% commission every month so if we do it private we can get the full rental. We are going to consult a local solictor and get a tenancy agreement drawn up with them. At least legally we will be covered and it's actually not going to cost that much to get the agreement drawn up -about £80. How's life in Spain? We are looking to move out to Costa Blanca as the in-laws moved there 2 years ago. Luckily I can continue working from home so it's just my OH who needs to find some work (but we'll be ok for a few months at least) If you know of any good agents or private long term rentals in Costa Blanca let me know!!

We are moving to Spain in 3 Months and will be renting our house in the UK. Initially we were going to do this through a rental agency but now a friend is very interested and we are happy to do this privately - saves on the rental agency fees as well! But, although she is a friend I still want a legal tenancy agreement in case anything goes wrong. I know legally what certificates etc we have to get and these are being organised, my query is the tenancy agreement. Rather than use a solicitor etc can anyone point my in the right direction to download a tenancy agreement or does anyone have a copy they would be willing to share perhaps? Ideally this will be a 6 month let to begin with. Is this possible or does it need to be done professionally??? Any help or advice would be greatly appreciated Many thanks!

Thanks for this info re ABTA. Where does this leave me now? To be honest we've had so much trouble with Direct Holidays that we are not bothered about going away to Italy with them now. I still haven't had any confirmation/invoice as of today and if they cancel the holiday can they force us to pay 50% cancellation fee's as it's now 'inside' of the 56 days? If I've never received any details have I got a case to argue that we are not paying any fees???

Advice please. In March we booked a holiday to Zante through Direct Holidays which was to take place on 24 July 2008. Unfortunately due to my OH being made redundant and his father taken ill we decided to change the holiday to Italy in September. We made these changes at the beginning of May. When these changes were made we paid £150 in admin fees which we knew about and then received a cancellation e-mail with regards to Zante. But I still have no invoice or anything in writing from Direct Holidays in relation to our Italy Holiday. I received a letter on Friday 18 and Saturday 19 July saying that our holiday balance of £580 was now overdue and this was not received by close of business on 22 July they would take action to cancel our holiday. I contacted Direct Holidays on Friday 18th and explained that as I'd never received any invoice/confirmation I had no idea of the payment date. I also explained that until I received something in writing then I would not pay the balance. I asked them to e-mail me - which they actually read out and confirmed my e-mail address and they said they would send the invoice. Well it's now been 3 Days and I haven't received anything still - where do I stand? I know it might appear a stupid question but I don't beleive in paying for anything if you don't have the details - we had an issue in Dominican Republic 2 years ago that was only solved when I showed them the booking paperwork. Do I pay up and keep chasing the invoice or do I just sit back and wait and if they cancel make a complaint??

I have received a second letter today from Natwest offering me another gesture of goodwill. I have requested copies of my credit agreements but think that this letter is in relation to my current loan that is managed by Wescot. As background: I took out the loan in February 2003 for £25k with monthly payments of £493.47 over 7 years It was then referred to Wescot for non-payment and I started paying Wescot in March 2006. Overall I made a total of 26 monthly payments of £493.47 initially giving a total paid of £12,830.22 before Wescot took it over. The total at the beginning of the loan to be repaid including interest and protection is £41,451.48 so £16,450 is interest and ppi! The letter today states: On this occasion I have been unable to confirm precisely what info you were given .... as a gesture of goodwill and without any admission of liability ... the offer detailed below: The bank is prepared to refund the insurance premiums to your loan account that you have paid to date as a gesture of goodwill. Our calculations show that you have paid a total of £2742.32 for the PPI element of your loan. .. credit my loan account with your refund of £2742.32 reducing the arrears on the loan. 'They are also crediting my loan account with a further £2857.96 as part of our committment to putting your loan back into the position it would be if you had not taken the PPI.' Erm where does the £2857.96 come from - anyone??! How have they worked this out?? Where do I stand asking for this refund to be paid directly by cheque seeing as it's my money? Legally are they in their rights to pay it off the loan account?? Apparantely they are going to continue with my payment plan but surely now the PPI has been taken off the overall outstanding debt should be reduced significantly as it would have reduced the total interest and ppi down from £16,450. Anyone know how to work this out without the ppi from the beginning? Sorry If I've confused anyone but if you can help it would be much appreciated...

Hi. I'm just going through all credit agreements to apply for refund on PPI. My Debenhams account was assigned to CL Finance in Dec 2006 apparantly under the terms and conditions of my credit agreement with GE Money. Where do I stand with getting copy statements and agreements - do I contact GE Money or CL Finance? Surely if CL Finance were assigned the account they should have a copy of the agreement or should they have made me agree to their terms??? I had a Notice of Assignment from CL Finance Has anyone else had any dealings with GE or CL Finance??

I'm definitely not taking the easy option and settling for just over £800 - they owe me far more than that - they are not getting out of it that eay haha! I will do as you suggest and send an SAR and a letter. I'll also find out re Wescot. Last time I spoke to Nastywest was in Oct 07 when i got all my bank charges refunded but they refused to pay by cheque or into a different account. They would only refund into my Natwest account which I don't use and have no card etc for. This in turn was supposed to have been credited against my loan debt but I'm still sorting this out as this doesn't show on my credit file ?!! What happened was I couldn't afford to keep up the £493 monthly payments and sort advice from a Branch Manager and Customer Service Advisor who couldn't help. The CSA advised me to wait until it was referred to Debt Management who would set up a payment plan - this is where Wescot came in. But as far as I know my account is still open with Natwest - am I able to close this and keep my payment plan with Wescot? If I then get more PPI refunded can I insist they pay by cheque or into a different account - or legally can they insist it comes of the debt?? With regards to Defaults - I have 3 defaults monthly on my credit file all from Natwest. 1 - Loan, 2 -Credit Card and 3 - Overdraft. But I have it in writing from March 2008 that the Overdraft account has actually been paid off (according to their records) but it still shows as a debt and a monthly default!! This is something I need to get sorted a well - where do I stand with this? Can I claim compensation if I send a copy of the credit report and their letter? Thanks for the help so far

Hi I'm new to the forum and have been reading how successful you have all been and hoping for some advice. Nastywest paid in full for all my bank charges in Sept 2007 and now I am claiming for all the PPI for loan and credit card accounts. Basically I wrote a complaint letter to Natwest in Feb 2008 for various things one of them being refund of ALL my PPI. Now I have received a letter following their investigations stating: 'On this occasion I have been unable to confirm precisely what information you were given at the time you purchased the policy. In the circumstances, as a gesture of goodwill and without any admission of liability, the Bank is prepared to make you the offer detailed below' The bank is prepared to refund the insurance premiums and interest that you have paid to 28 Feb 2003...' Amounts to £876.47 which I know cannot be correct as I am asking for ALL PPI to be refunded. As it stands I have a loan (taken out May 2003), o/d and a credit card balance which are in the hands of Wescot Finance and I have an agreement with them to pay a monthly amount. I was going to argue that because my current loan is being paid off including all the PPI and interest, surely because I am paying Wescot that I couldn't use the PPI element even if I needed to? I think that the PPI element amounts to about £10k in total but to be sure do I need to do a SAR? IMO if Natwest are unable to confirm what information was given then surely I have a case? On another note - if I get a SAR will this show where my payments to Wescot have been allocated with regards to loan, credit card and o/d? In my credit file there is no consistency because the loan account has only just starting reducing monthly when I've been paying Wescot for over 2 years?? HELP!! Where do I find a copy of a standard SAR? If I'm in an agreement with Wescot should this still come up as a Default on my record every month? One more thing Natwest never closed my account when it was referred to Wescot but I can't access it. Am I within my right to close my accounts so that if I get a refund for PPI they will have to issue a cheque instead or use a different bank account? Last time with the bank charges they insisted on paying into my NatWest account and transferring across to Wescot -said I didn't have any choice?? Sory to ramble but any advice most welcome.