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headache5678

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About headache5678

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  1. Thank you for the reply. Barclaycard's Final Response letter of May 2012 letter says "..we have identified that your application for PPI was submitted by post. At the point of applying for PPI, as no advice was given, the process required you to select the specific type of cover you required...". So last week, we asked for a copy of the application and agreement form(s). If that request is ignored I will submit an SAR. We will then escalte our complaint to the FOS. If Barclaycard will not or cannot supply the signed forms, I hope / believe this makes our claim easier. Their a
  2. I am helping a friend and have got refunds of £31k from Santander for miss-sold personal loan PPI. Now pursuing Barclaycard I have asked for a copy of the original application form and / or evidence to support Barclaycard's assertion that my friend did apply by post. He cannot remember something 10 years ago. Assuming he did apply by post, how can I argue that he was miss-sold Credit Card PPI. After all he will have filled in the form himself and if he ticked any "PPI - yes please - box" I assuem we are on very weak ground ?
  3. Ok and thanks. As Moorcroft refer to "Our Client" I suspect the debt has not been assigned to them. Thanks
  4. Wonkeydonkey, There is a lot more to this case and if I posted all the story here, peoples' eyes would glaze over and it would get confusing. Is there anyone I can go to who would take this problem over - I guess not that is why my friends came to me. However, the guidance given above is excellent and will enable me to make progress. How can the bank get a DCA involved without even sending a notice of default or demand for repayment ? Is that possible or even likley ? (of course I do not get the post myself) Thank you
  5. Bailff’s Letter arrived - help My friends (yes, honestly) have just got a letter from Moorcrofts demanding repayment, within 7 days, of the whole of an unsecured personal loan of £36k from one of the main UK high street banks. The bank stopped taking personal loan repayments from the overdraft account, probably because that was in excess of the limit. No loan account statements have been received for 12 months. No letters of demand or even a letter requesting repayment have been received. The loan appears to have just drifted for a year. It is a long-winded case but basica
  6. Bailff’s Letter arrived - help My friends (yes, honestly) have just got a letter from Moorcrofts demanding repayment, within 7 days, of the whole of an unsecured personal loan of £36k from one of the main UK high street banks. The bank stopped taking personal loan repayments from the overdraft account, probably because that was in excess of the limit. No loan account statements have been received for 12 months. No letters of demand or even a letter requesting repayment have been received. The loan appears to have just drifted for a year. It is a long-winded case but basica
  7. On 10 June 2010 I repaid my student loan by cheque following the SLC (eventually) confirming the outstanding balance. I now realise that none of the payments deducted from my monthly salary for the tax year ended 5th April 2010. Maybe some repayments made in earlier tax years might not have been deducted from my SLC loan as they do not seem to be able to easily supply a statement like a bank would issue (er that is one that shows all the debits, credits and the running balance). Anyway, FTYE 05APR10 alone, I guess that I have overpaid by about £300-500. Reading the SLC websi
  8. I believe that you can access statements covering your previous 200 transactions on the Abbey On Line Banking. Abbey's website refers to a maximum £10 charge for copies of multiple historic statements. Do you have any idea, please, whether a personal loan (an Abbeyloan) will show on Abbey's On Line banking ? Mine does not.
  9. Thank you both, your info, HH, was particularly helpful. Bank statements have been mislaid / intercepted and it is likely to end in tears.
  10. Friends of mine (honest) have a joint account and they are adamant that at least two personal loan agreements, purportedly signed by them, bear forgeries of both their signatures. The bank in question have supplied a copies of the loan agrement, and the signatures do look feasible. Copies of both passports were attached to the loan applications. Having worked for a major bank myself, I know that we did not normally require copies of passports when personal loan applications were made PROVIDED: - we had already got all the usual KYC information on file, - the customers were bo
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