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sorry how do I do that, I am new to all this stuff. I think i have removed it?

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I uploaded onto photobucket,hopefully it is attached. [/img]

Hi I have scanned the document, but I am having trouble sending it as I do not have an attachment option when I reply, is there something that needs to be set up? thx x

I am getting someone to scan it for me, how do I add to a message?

sorry I do not have a scanner can I fax it to you. As far as I am aware ppi was not asked for and nothing was signed. thx x

I have found a letter that we sent in oct 06, Saying I am pleased to confirm that Payment Protection Insurance has been added to the agreement and monthly instalments have been amended to £177.94. Key Financial Information Amount of credit £7500.00 Under this agreement you will pay 60 consecutive monthly payments of £156.09. Cash price £8750.00 Advance payment: £1250.00 Total charge for credit £1865.40 interest rate 5.0% per annum variable thx x

Hi, They are taking £177.00 by direct debit, sorry I am new to this how do I post a copy of the agreement, I do not have a scanner. Thks x

My husband purchased a hot tub in 2006 and the finance was arranged through Hitachi Capital. After requestung a copy of the loan agreement and details of any insurance added to the account. I recieved a coopy of the fixed sum loan agreement which shows the payments of £156.09 for 60 months. We have been paying £177.00 a month so there is obviously ppi added on but there is no mention of this on the agreement. And I have also noticed that it has not been signed by the supplier on behalf of Hitachi Capital Consumer Finance. Does this make the loan unenforceable. If so whats the next step? Any help will be appreciated

Who do I send the subject access request to firstplus or central capital? I have received a letter from central trust saying they are investigting and will respond within eight weeks. Should I Send another letter to central trust detailing the amounts i want bAck? thks x

Some advice needed. My husband stupidly arranged a consolidation loan over the telephone with firstplus in January 2007, for £52.000. After getting into financial difficlulty and looking on these forums I decided to check if we were paying for ppi. My husband does not remember being told anything about ppi and he did not have any copies of the paperwork. I requested a copy of the loan agreement along with any details of insurance monthly payments and interest charges applicable. After receiving a copy of the loan agreement and a copy of the leter that was also sent it shows that ppi has been added for £12734.80. This is for a 5 year payment protection Policy. The copy of the loan agreement was not very clear the key financial information part was all black so I have requested another copy from them, to which they said they did not have a clearer copy and would need to get a copy from their solicitors?? so I am waiting for that to come through. Also there is a box that has a preprinted x in it but can not read what that is for! While I was waiting for firtsplus to send a copy of the loan agreement I decided to call them and ask what the monthly payment for the ppi is. He asked if this was because I wanted to cancel it and if so he would send me letter with some details on what the refund would be. While I was waiting for this I sent them a letter for misselling me a policy as: 1. my husband does no recall being told anything about ppi and I did not speak to anyone at any time about any information. 2. A 5 yr policy it not very suitable for a 17 yr loan. Then on the same day I recieved a letter from firstplus stating that as the loan and isurance was actually sold by one of their brokers (my husband thought he was dealing with them direct) that they were unable to investigate and have forwarded the details to Central Capital. I have also recieved a letter from Firstplus stating if I want to cancel the insurance they are prepared to make a refund of £1807.51 in respect of the premium paid. What is my next step do I wait for central capital to come back to me and ignore the letter from firstplus. I also believe that the correct procedures were not checked when the policy was sold i.e proof of income and expenditure as if they had they would have seen that we would find it difficult to repay the loan. Any advice is appreciated.