Thanks for the reply Shadow. The things is after reading this forum for over 12 hours solid, I am still unsure which Letter to send first, Letter 1 on this thread, s.77/78 letter elsewhere or something else.. I expect the either of the first 2 letters should come with the PPI details. We are not sure whether PPI was even taken out, as my parents were asked to visit Black Horse offices to sign the paperwork and, they think the paperwork might be different to the copies we have. Thanks again.

Hi Is its sensible to use Letter 1 in regards secured loans of around £20,000? My parents took out a £20,000 secured loan from Black Horse in 2006, which consolidated an existing loan from the same lender (from 2003) and added an extra £4,000. Should I send two separate requests? The later loan agreement (a copy of which I have) clearly makes reference to the earlier loan. My thoughts are that if the lender cannot prove both loans enforceable, my parents might not have to pay off over £19,000 which they apparently still owe and which, I believe, should never have sold in the first instance to a 64 year old. I also note that copies of agreements we have include PPI, although my father seems to think he did not take out insurance. My father has been off work since 2006 after being violently attacked in his minicab. He has not made a claim, so I am not sure whether it is possible to begin a claim after more than 2 years. Many thanks PT et. al. for the invaluable advice on these fora. It is all very much appreciated.

Hi I have trawled through the site for a few hours but cannot seem to find a Subject Access Template for mortgages. Briefly: my father is now 66 years old. In 2006 he took out a secured loan from Lloyds TSB for £20,000. This consolidated a previous loan from LTSB and added a further £4,000 or so borrowing. Later in 2006, he was violently attacked in his mini-cab (offender got 3 years) and since then has been unable to work. My parents receive £800/month pension credit and after paying debts, they are left with £90/month to live on, and I cannot help them until I find work. We cannot work out how LTSB lent him £20,000 to be paid so far into his retirement age - hence the subject access request. If anyone thinks we are beating a dead horse, please say so as I have been reading this site and moneysavingexpert for hours and am little the wiser. Many thanks. PS Apologies if the template is in obvious place