yo Inca To demonstrate how reasonable your gran is you could send a copy of her last income support advice letter with the National Insurance number covered up. That would prove she is receiving an income based benefit and is so officially a hardship case without revealing any information they can sell on or you have already volunteered. It would also demonstrate reasonableness to a judge - especially if you point it out to him.

Saw a post yesterday that said 77 refers to fixed interest loans, 78 to variable interest loans. So I assume it is 77 I dont see why you could not put 77 / 78 as standard this option would also then cover for example a fixed interest loan that becomes variable on default.

CCA agreement request sent, 12 + 2 days from recorded delivery. Default received from MBNA 5 days after second standard, "this account is in dispute" letter sent by recorded. No agreement or acknowledgement of receipt to date. Any opinions mbna defaultpostedonline .pdf

Back in 2003 I discovered by contacting the SLC that my loan was in default and had £110 in a default summons fee added. I had simply moved and had a suspension as I was on the rock and roll, when I moved. I pointed out to them that I was on the electoral roll at my new address which no doubt they had a copy of and had not been contacted. They did not want to know. Could I claim this back on the basis that they should have checked the roll or under the CCA as an unfair charge? Also I have a print out of transactions going back to the default - there are 2 additions to the loan both on the same date for the same amount as the monthly repayment, which was made as normal in that month. Must be a clerical error but presumably I can claim the £24 back plus compound interest. Should I use the standard 29% as per the simple interest spreadsheet post on this site or another formula. Thanks. Dudes / Dudettes

Thanks. This account has a zero balance and I am only claiming £15. Has anyone lost a court case and had costs awarded against them. I am happy to pursue them as a matter of principle if the risk is low. There are several other CC accounts with large negative balances citi are just the first to respond to my mailings.

So does this mean if I proceed to the final letter and then court stage citi will just fold or the court will dismiss my claim.

Received this letter from citi in response to request for return of £12 fees any ideas.

Thanks. Found a front page of a schedule with a reference number, address etc and sent of a request for the original schedule quoting the CCA. I was told it covered unemployment that was not your fault. The problem was my settling out of court, which the PPI jumped on. Thinking back I could have used the out of court settlement and good reference to prove I was not dismissed or just asked them to prove that i was dismissed after making a claim. Is there a 6 year rule on PPI claims?

Hi I had insurance via Abbey and a mortgage with another provider. My employer suspended me then sacked me. They subsequently settled out of court for a few £ and a good reference. I was then unemployed for a long period. Abbey refused to pay on the basis that I had been sacked:eek:. I no longer have the original insurance agreement. Do I have a path to follow. Thanks.