Ok I will ask for a subject access request - should I not be asking them to prove it is my debt first though?

Bump can anyone help im a little concerned here

Hi Rameses, Could you explain why I need this and how do I obtain it? Sorry I am completely new to this sort of thing. Thanks in advance.

Hi Larissa, Thanks for the info - Is there a template letter outling the fact that I have sent a cca request to the orginal creditor and they have ignored it? Or do I send a another cca to the DCA and start the process all over again?

Hi Guys, I have an outstanding debt with Halifax which is a overdraft amount of £2,741.78 I have been making payments of £5 per month to halifax and suddenly they decided that they would no longer accept these payments ( presumably because they want this off their profit and loss sheets) I sent a CCA request to halifax which was completely ignored and now I have a letter from Fairfax Solicitors demanding the full amount or they will send a debt collecting agent to my home. I cannot afford to pay all this back is there a way I can keep the wolves from the door so to speak? Maybe a CCA request? its important to bear in mind that this is a unpaid overdraft debt.... im a little bit worried.. any help would be great guys. Essex

Hi Honeybee, I dont im afraid - which is what they asked for but if I dont have a photo I dont have a photo? I cant just magic one up - and this is one of the reasons they are insisting on vouchers instead of cash. Surley if they validated the claim then they should pay out in cash as its reasonable given the circumstances?

hi kiptower, thankss for the advice - however I have proved the original purchase in form of a guarantee certificate for both rings with the amount I paid stated on it. Apart from the problem of the turkish jeweller not accepting these sort of vouchers the rings I had specially made cannot be done for the same price in the uk. Therefore the only way of me buying like for like is by cash - also they valued the rings at what I Paid for them as they were barely a month old when I lost them. Do I have a case for arguing that they settle in cash?

Just an update - I have been told my claim has been validated, I was asked to fill in forms for tcs and then another specialist loss adjuster who are "experts" in jewellery losses. ( which translates into experts in picking holes and decreasing the value of the item to save esure money). I have been told that due to the fact that I cannot provide a bank statement with the transaction amount on it ( I paid cash in turkey on holiday) and I do not have pictures of the rings ( I didnt realise that I would need to take pictures of the rings as I didnt think I would ever lose them or need to claim?) ...... that they will pay but only in the form of vouchers for me to redeem here in the uk. My problem is this - I cannot provide what they are asking for and therefore I am being penalised for this? I really want the same rings that I bought in turkey and the jewellery there wont accept my vouchers??? Have I got anywhere to go with this? any help would be appreciated. thanks.

Hi Guys, I would certainly be interested in finding out the end result of this. I have just lodged a claim with esure for two lost rings - I have recently lost weight and went swimming in the sea and subsequently lost them due to them falling off my finger. Esure have refferred my claim to "Tcs loss adjusters" which basically means the people they employ to try to pick holes in your claim to stop them having to pay out. I am well and truly pumped up for the battle with these idiots - they picked the wrong person and I will fight them tooth and nail all the way ......... POWER TO THE LITTLE PEOPLE

DJ, Your a star - how do I find the registered address's of the companies? Would it be as simple as looking it up on companies house and jotting down the registered address on there?

11 views and no one can help

This was an in store application - Also how do I edit the post to remove my account number?

The credit limit was set as £300 for this agreement and has always been this since day one - I know this from my first statement but nowhere on this agreement does it state that my "credit limit" is £300. The only thing it does have is a inked amount of £300 scrawled at the bottom of the agreement which could be argued that was added after the time of signing? I was also not given a copy of my agreement when I signed it???

Nope never recieved any such letter - when should this have been sent to me? at point of signing or shortly after or any time after the agreement signing date?

AGGGGGGGHHHHHHHHHHHHHHHHHHHHHHHHH I am so confused, Can anyone with experience on this sort of thing help us make sense of this? Appreciate your help so far cartaphilus

Hi Mrs Hobbit, Thanks for the info - the only problem is the credit limit has NEVER EVER been £1500. Section 5 is referred to as an example payment if the credit limit was set at £1500 and the apr charged on 12 equal payments would be £223.74 ??? Does this affect the situation? Also once I have done the Data Protection Act Subject access request and recieved it what is the next step or angle for me to argue? Thanking you in advance.

I dont see how it can though as this third document is the first time I have seen it and I have never ever signed anything relating to it?? The credit agreement that doesnt have the credit limit on it but this document is just a print off from their system?? Is there anyone who knows the law and can shed a legal view on whether or not I can or it is worth me contesting this one?? Thanks in advance guys.

I have now scanned the said "other" document - does this have any relevance? cheers for the info

Ok I think I understand what your saying - as far as your concerned the only thing missing that I can highlight to them and fight against is the credit limit right? Is there a generic letter template that I can use to fire off to them to see if they will buckle? I have tried looking for one on here myself but I am unable to find one - any help would be most welcome. One last thing they have sent me another document which I will scan and copy now - I didnt think it was relevant until now but let me know what you think.

Hi all, I have recently read about PPI and claiming money back against banks for loans and credit cards. I have a number of companys who I have borrowed money from in one way or another. I have complied a list below along with any important information etc: Northern Rock £24,000 Loan taken out with my mortgage on a "together" package in April 2007 ( I have also paid my house insurance with my mortgage until May 2010) Barclay card platinum card £3500 Limit Barclay Card Football card £2500 Limit Mint Card £1800 Limit Virgin Credit Card £1800 Limit Burtons store card £300 Limit Halifax Personal Loan £3500 taken out on 20th August 2008 This account is in dispute with Apex credit management a DCA Halifax Overdraft £2700 This is in the process of being sent to a DCA according to letters sent to me from Halifax My question is this - Where do I start to find out if I have indeed been charged PPI on from any of these companys and if I have how do I go about claiming on a step by step basis? I am a complete novice when it comes to this and any help would be greatly appreciated, after all why should I let these fat cats take my money and essentially steal from me? I am like a dog with a bone on this one and I just need some guidance or a "how to" guide to claiming and finding out if I have been charged for PPI illegally Also as I am on the subject of claiming money back is there somewhere where I can find out a dummies guide to claiming my bank charges back going back say 7 years? I would appreciate it if you could put any replies in laymans terms for me as I am new to this sort of thing. One last thing is there anywhere I can make a donation to the upkeep of this forum as this is a great information source for people in financial difficulty like myself. Bless you all. Essex :)

The figure of £300 has been scrawled on the bottom of the agreement and I believe this is the credit limit on the card - to be fair as I have been sent a photocopy whats to stop them writing this on the orginal agreement in ink and then photocopy it to send on to me to make it look like this was discussed at point of signing in store? Can anyone shed some light?

Hi Guys, Sorry to butt in on this thread but I have sent a CCA request to santander regarding a burton store card. I have recieved a letter and also a orginal copy of my agreement - I am a little confused as to whether or not this is enforceable. From where I am sitting it seems they have me by the short and curlys, can anyone see any different and if I can challenge this on what basis? any help would be greatly recieved. Essex

I was asked verbally to increase my payments from £12.00 to £40.00 per month to stop the account going outside of halifax which I agreed to - but they double crossed me and sent it on to apex anyway. and Yes I was unemployed while this was happening. Incidently whilst I was employed the account was run fine - as you would expect as they were getting their money every month. Can you help further? Thanks guys.

Thank you so much - I will post their reply on here as and when I recieved it.