Do yo mean put each charge on one row or to do a separate sheet each for charges and for ppi?

I was self employed at the time, they were adding ppi without my understanding or consent, actually I am not sure from when but probably around 2001 (the statements I have don't go back that far). It took me a while to realise what was happening and I phoned and had a very heated discussion demanding my money back in 2004, I said this insurance is not suited to me and it was never discussed with me in the first place otherwise I would never have agreed to it. Their response was "tough"! I then got a letter confirming it had been cancelled in Aug 2004. Over the last few years I've seen lots of people get ppi refunds but thought mine was too far back, I didn't think the cc company would have the records more than 7 years and I have just come across these old statements (I am waiting for SAR to come back).

Hi, Ok I have sent off my SAR but in the meantime I have found a load of old statements with charges and PPI on. The PPI they just randomly decided to add once month and kept charging me until I complained and asked for my money back which they denied me. So out of the four spreadsheets, which one do I use to calculate my claim? Its a cc with some late charges and PPI going back to 2003/2004.

Is this still the one to use for charges and PPI paid on credit card statements. Does a further 8% need to be added?

Is this still the one to use for charges and ppi paid on credit card statements. Does a further 8% need to be added?

Thanks, do you think I should resend SAR to that address?

Sent it to the Leeds address, is that the head office?

Hi Are these addresses still up to date?

Is there any benefit in complaining about this?

I am just checking my credit file and there are loads of searches from DCA's and there is a note from equifax "a Enquiry Agent company, has made an inquiry against your credit report on 17/03/2014 . If you were not aware of or did not consent to this search, contact CABOT FINANCIAL EUROPE or Equifax for clarification". Is this normal practise?

About 4 years ago I requested CCA's from Barclays who sent a generic agreement, not a copy of the original and interestingly they didn't pursue a CCJ, however MBNA sent a copy of the original and now have a CCJ and are pursuing a charge on my house. I'll check the rest.

I have had a look at my credit file and a couple of the debts are not on there including CCJ's. is there any reason for this? Even if creditors do not have a signed CCA for dates prior to April 2007, would I still have to ensure they are included in an IVA. I am wondering whether some of these debts are enforceable.

One of them, not a chance - the other maybe!

Hi I owe around £60k to approx 8 different companies in the form of loans and credit cards. I have been chased for these debts for a number of years and have CCJ's. I am only just in a position to start paying something (my ex left me in the lurch previously). I own my own house and I own another which gives me a small rental income, both houses are in negative equity. I am looking into what would be the best solution for me, I am thinking an IVA. Has anyone got any advice as to a way forward for me. Regards Penny

When the interest rates reduced to 0.5%, RBS did not reduce its standard variable rate from 4% to 3.5%. Now as it is seeming more and more likely that interest rates will go up, do you think RBS will honour the first 0.5% hike and keep its svr at 4%? Regards TwoTicky

To Willy2006, Had a look at your threads and you don't seem to be getting any responses, I think you should open a thread for each of your dad's 3 cards in the appropriate organisations folder, ie Barclaycard, RBS etc. If you don't get a response and your thread stops being on the first page when you need it to be just post a reply saying "Bump", and that will move it up the ladder as it will have a recent date on it.

Will do Slick and good luck Willy

Hi, please could you help, I sent the following letter to BC: Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974 I note that you have replied to the above by sending an old copy of your companies Terms and Conditions and a current copy. I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act. To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a "true copy" of the agreement. This breach of the agreement can be demonstrated as follows; As you will know section 180(1) (b) authorises, "the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form." This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557. Before leaving section 180 there are two other sections that should be remembered these are: Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements; And more importantly Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations. You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations. Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557. The regulations state: (2) There may be omitted from any such copy- (a) any information included in an executed agreement, security instrument or other document relating to be included therein by the Act or any Regulations there under as to the form and content of the document of which it is a copy; (b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies); It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations. The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso. Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions. It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented. I hope this explains why your reply was unacceptable. I await a True copy of my agreement and would remind you again that, whilst the request has not been complied with, the default continues. Yours faithfully And today I received a 3 page letter explaining that they had fulfilled their obligation and the debt still stands, I know many people have been in this situation and am wondering what to do next. Caggers please help.

I am drafting two letters, one explaining I can't afford to pay and another asking for a legible copy of the CCA. What I want to know is, as I am still paying all but one other creditor, should I be writing to them all explaining my current finances as I am obviously showing preference. Also, MBNA took 5 months to reply to my CCA request, and in that time I continued to pay the minimum payment. Can I ask them to deduct these payments off my now 2 months missed payments. Also, the reason that I stopped paying MBNA is 1, I can't afford it. and 2, in August they estimated the next months interest at £200 and on September's statement they increased the interest to £280 and charged me £12 for the priviledge even though they had a direct debit set up for the minimum payment. Please advise. Thanks.

I am about to send them a letter telling them I can't afford to pay and to please hold interest in the meantime. I am also going to send them a letter saying that the CCA is illegible, however is there an up to date letter including the new clause. What do you think?

Bump

Hi thanks for your replies To Supasnooper, My copy looks like this one in the library Unsure MBNA :: A plus picture by citizenba - Photobucket I have received a Notice of Default Sums with my last statement and since then I have received a letter asking to pay or to contact them. I have not sent a subject access request or CPR request. I am unsure as to what step or steps to take next? Regards

Hi, please could you give me your opinions. Recently my finances have meant that I can't afford my monthly repayments and I have missed my first repayment in years. Should I speak to MBNA or pursue the CCA that I received. The copy they sent me seems to have all the precribed terms (could be a copy and paste job) but it is so small it is illegible. I don't know what course to take, suggestions please.

Hi Slick Thanks. It was about 6 years ago that I complained and hence cancelled the PPI. However I only complained via telephone. Regarding the possible threat of a default on my credit file, I have read on this site that they are not supposed to do this. Has anyone that you know of in a similar situation had any luck getting the default removed.

Hi Slick Thanks for reply. I don't think I've missed any payments over the years but maybe a few were late. I've started a separate thread for PPI, I cancelled it approx 6 years ago and remember being annoyed that I never requested it and it never covered me anyway. They never refunded me only cancelled it. My concern with that is that it was a while ago. Also please could you tell me, once I send the letter recommended (thanks for that) will I have to continue paying or do I need to wait any period of time?