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Dai27

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About Dai27

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  1. Thank you all so much You have all been most helpful indeed, much appreciated. We are now due to see the CAB the end of this week, we managed to get through to make an appointment, I will let you now how it goes. The last few times we have called and the doors have been closed, so we thought it would be best to make sure we have an appointment. This new mortgage scheme looks hopeful, is that for Wales also does anyone know. I am still confused by why they are not able to sort out on short term about interest repayments, where they say we have to clear the arrears first
  2. Have been held back on this due to some mortgage stuff to deal with, but my wife wrote to them on this matter for me, we hope to hear something soon. I will update as I hear, cheers.
  3. Hi there, I was given this link from a kind member on this site, to post here, sorry this is so long, I copied and pasted my post where I posted in the wrong part at first. Hi Sorry if i should have started a new thread, being new, getting a little confused. I lost my job Xmas time due to masses of job losses, like many places right now, but my wife is a full time carer for our son with autism, he is 14 years old and I have applied to many companies, just not having luck yet, so CV's and applications kept on file, fingers crossed something will come up soon. Anyway now the
  4. Hi Thank you for your quick reply and your kind words. I will check again tomorrow, this is great, thanks so much indeed. Luv the name, as you will see on my last post I am from South Wales (Gwent area). Will try to sleep this worry off then lol, cheers and catch u tomorrow. Night .
  5. Hi Sorry if i should have started a new thread, being new, getting a little confused. Also sorry if this post is long, just want to give an overall explanation of our situation. Please move this thread for me if in the wrong part, thank you. I lost my job Xmas time due to masses of job losses, like many places right now, but my wife is a full time carer for our son with autism, he is 14 years old and I have applied to many companies, just not having luck yet, so CV's and applications kept on file, fingers crossed something will come up soon. Anyway now the problem, I am r
  6. Hi folks me again. I have a case (Endeavour) with the solicitor now, had problems getting this sorted through the FOS. This is in regards of a ppi, which was mis sold and was not fully eligible for and it was automatically added, when taking this out I thought this was all part of the loan, so tried the usual with the complaint procedures, fully exhausted them, then to the FOS who cannot deal with it as they were not regulated a such with GISC/FSA. Unfortunately I lost my job, and hoping to return to new employment soon, fingers crossed, with a mortgage to pay etc and a family t
  7. Hi Sorry to hyjack your thread, was just checking through my credit card agreement in regards of Lloyds TSB and was comparing my agreement to post 10, however, all the same but I did not receive all the other information/paperwork with my agreement like post 10 when they sent me this, or anything to sign if I wanted to cancel. They had crossed the part where to sign with a printed cross already made by them on the insurance. I have a few cases with the FOS, one Credit card ppi just resolved, now just waiting for the funds to come through. I had taken this out in September 2007
  8. Thank you, I shall get on with this and let you know the outcome as soon as I hear. I appreciate this very much. Thanks again mate.
  9. Hello Thank you for posting back to me. When I requested for the SAR this was in 2008, yet they enclosed all bank statements as from 1998, I am silly not to have questioned them on this matter about the credit card statements. But assumed this was because of the 6 yr timescales on these, then without thinking "well they have provided bank statements for years going back longer again". I used an SAR, I think i found it on another forum somewhere earlier last year and asked for everything they hold on my account(s). Mainly what I received back is about loans, credit card stateme
  10. Hello I am a newbie, and have received an offer on my lloyds tsb credit card ppi, this account was settled in 2004, had taken this out in 2001, when requesting a SAR last year i was supplied with credit card statements going back from 2002 and not 2001 (due to the 6 yr timescale), so it looks like I will have to estimate on the first year. This was through the FOS, where lloyds should put me back in the position as if i did not take out ppi, plus interest and any charges. I would just like to be sure the offer is that of them putting me back in the position as if this cover was not
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