Thanks for the letter, i dont really understand what its asking for? also where can i find the legal forum? Thanks

Hi cerberusalert I have the form in front of me, as i am not able to scan until i get into work tomorrow i will tell you now what it is. This is a claim form for the Northhampton (CCBC) county court Has the claimant address then Restons Solictors address (where to send doctuments and payments) Then has the defendant (me) address Particulars of claim and then shows a break down of costs: Amount claimed £575.40 Court fee £55.00 Solicitors Costs £70.00 Total amount £700.48 Then goes on to say that i have a limited time to reply and that i can pay it, or dispute it. They have given me 14 days but the letter is dated the 13th Aug so have already lost nearly a week. What is the next step. Thanks

Have never been able to upload anything on here but when i get home I will type out exactly what the letter says. Thanks

Hi cerberusalert, I think this letter is from the court as the envolope says Defendant with my married name then my maiden name ( the bank only had my maiden name) thats how i know who its from without even opening it (im at work) so if this is the court papers, what happens now? Does the creditors have to first warn me that they are starting court proceedings before i get papers from the courts? Thanks

Hi all I have receieved a letter this morning which is saying im being taken to court over a loan which now for over a year have asked for a CCA and they have said they dont have one for me, the debt is so old and is for little over £500, after a year off untold amount of letters going back and forth and door step calls they tried 1 last time to send me to a DCA and i sent the letter back to say the account is in despute, now they are taking me to court. . Although i know that with out a CCA they may get laughed at but im still a bit worried about it and really shocked that they would take the chance of having to pay out more costs in court fees. Can any one advise me on what happens next and how do i deal with this? Thanks

Hi Guy's So I shall SAR firstplus and see what info they hold on me, as i have never SAR'd anyone before is there a certain amount of time that the have to respond in? Also is there any chance they could turn around and say this loan was over 6 years ago and hold no information on me? Do you know i really cannot believe how we didnt spot this at the time but to be fair i only started to become clued up about any of this stuff since finding this site and what a site it is. I will let you know the outcome and hopfully i can start getting back what is rightly mine thanks;)

Im in a state of shock, i have just found a letter from the solicitors when i remortgaged to pay off this loan, it shows that they paid Firstplus £20,240.00 in May 05 the loan was for £16,000 and £4000 was interest so i have paid them all of the intrest on top for having the loan for 9 months surely i shouldnt have paid them the whole 4k and im shocked my bank did not notice this when i showed them all the paper work...am i totally off the mark here or am i right in thinking i just handed firstplus 4k for lending me some money for 9 months? thanks

I dont recall getting one and i have just check my bank statements and there is nothing obvious on there to show that i did. Thanks

Yey thank you

Are you able to help me with this one? my head is going round in circles which is why my other post got so confusing lol

Yes i have but dj1971 told me I should start a new thread with this one as my other thread was too confusing. Thanks

Hi Can someone please help me with claiming back PPI on a firstplus loan i used to have. In Aug 04 I took out a loan for £11,000 added to this was £2,693.90 for PPI which made the loan amount £13,693.90, then a month later Sept 04 I took a further advance of £5,000 which took my Loan up to £16,000 and they added PPI to this £4040.85 so made the total loan £20,540.85. For the first month my monthly payment on the first loan was £135.59 this is including PPI, for the second month onwards I paid £203.38 per month including PPI.. there is nothing on the paper work to show a break down of the PPI per month. I paid this loan early in May 2005. Thanks

So sorry but i still cant find it, is it called PPI or something difference

Ops cant seem to get onto the PPI forum from your link where can i find it as i cant see it anywhere. Thanks

Ops cant seem to get on it with that link where abouts can i find it as i cant see it? Thanks

Great thanks dx

Hi I have never thought about questioning my PPI with one of my creditors, I acually cancelled the payment protection when i got into financial trouble and agreed to pay a smaller amount off my loan, is it now too late to see if i can claim back the PPI? If its not how do i go about it? and is it ok to still try and claim even though i cancelled it a year ago and i am paying a smaller amount? Thanks

Thanks cerberusalert, I will send that and see what happens, I will let you know next week as im sure they will responed quickly again.

Thanks for that im not sure that letter is suitable to send to Restons as they are not the creditors but are acting on behalf of them. None of the below realates to the solicitors but only to HFC and i have not asked the solictors for my CCA, and the solictors have not sent me any statements, so i cant really send this letter, any idea's is there something else i can send them? Thank you for your letter dated xx/xx/2009 in which you say that you will not comply with my request dated xxx under s.78(1) of the `Consumer Credit Act 1974 unless I provide you with a signature. There is no requirement under the Act that require a s.78(1) request to be accompanied by a signature, and I am unable to accede to your request. Further, I note that you have sent statements and correspondence containing sensitive private information to me at same address as that detailed in my s.78(1) request. If you are concerned that you are corresponding with the correct person I wonder why you have not verified the information before. As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998. The time to confirm my identity was before you sent your first threat letter. My request for a true copy of my credit agreement under section 78(1) was made on xx/xx/2009 and the 12 working days for your compliance expire on xx/xx/2009. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

Hi cerberusalert After sending the letter you suggested I got a very quick response from Restons, the letter says: Please find enclosed a draft letter which purports to come from you but is unsigned. You will appreciate that we must ensure we are corresponding with the correct person and that anyone requestin information is enititled to recieve it. Please ensure that all documentation is singed failing which we will not acknowledge receipt nor provide any response. I recall at the begining that HFC requested a signeture and i sent a letter back to say i didnt have to provide one. What is the next step, I feel uneasy about signing my letters. Thanks

Thank you so much

Hi I am having trouble getting into the link for the letter i need to send, when i click on it it takes me straight back to the front page of Consumer forum. Thanks

Great thanks for the letter cerberusalert

Hi all following on from my previous posts, after not hearing anything from HFC for 2 months after turning up on my door step, i have received a letter from Reston's Solicitors saying that HFC have instructed them to recover imediate payment of my loan account if i dont pay by 9th July they are going to seek a judgement against me which will be registerd by the court, then go on to say that they have attached a questionnaire if i choose to pay by instalments or i can have a discounted settlement figure if i choose. Is this another last chance try to get the money out of me or do you think they will acually take me to court for £575? This has been on going for about a year, the do not have a CCA for me and i have had this account for years so was not suprised that they didnt have one. What makes me laugh is about 3 years ago I called them to offer them £800 when the loan was on about £1000 but the greedy gits turned me down. Thanks for your advice in advance

Hi cerberusalert, I have sent every possible letter to them more then once. Hi shastra - Thats for the letter sounds good to me, so will try this one. Thanks all for taking the time to read and post. Thanks