Hi... thanks for the reply. Not yet... it it will take a while so I am prepared for that. regards I belatedly found this

Hi everyone... I have questions about PPI..... .... 1. Am I likely to get a refund? 2. Will the bank look into all my accounts based on one claim? Please see background below I have submitted complaints ( on time ) through RESOLVER and direct to the banks directly when I read on the 28th that RESOLVER is unreliable. I submitted ppi complaints to BANK OF SCOTLAND over a credit card, which I think went into arrears and in the end ended up with a debt management company which is still being paid off now. I could not find proof of the PPI payments because I could not find old statements showing them. Anyway I submitted the complaints all the same with statements showing that I did indeed have the credit card Do I have grounds to get a rebate of the substantial fees paid? Because ...... I have now located the attached “review of a years cost of ppi with BOS” . We lost our business and a brother and we never claimed on this policy because in fairness we never knew we had it. We have had 2 house moves since 2010 so things have been tossed around, but I was horrified to have found this document after I have put in a claim. I hope I don’t discover that the banks lie about whether you had ppi if you don’t have documentation, because we have quite a few claims without the benefit of proof like this one. Your thoughts.? Regards

Dodgy [removed] SLC and Link even went as far as faking payments on the statements 5 years ago.

Yes.... Both letters came at the same time.... One from Erudio saying they are handing over to Capquest. These letters came from te same place!!! Both waiting for me when I visited my mum

Hmm .. . Bit Scary here.. .. So looking back .. . and although I thought all of this was sorted.. .. I took out 2 seperate loans for some reason. one in 1997 and this one in 1998. My course started in 1997. I SAR'd SLC who sent me the agreements. .. Both are covered by the consumer credit act... . Does that mean that they were both oldstyle? I know the 1997 one is definately, but the agreement for the 1998 looks the same. Where can I tell the difference between the two on the agreements? I have never paid although SLC

SO.... its been 5 years since i last posted anything on this thread! I have had SLC, Link Financial, Erodio Loans and not a new one.... Erodip have sold one of the loans to Capquest! Hmmm! Should I be worried? Hassle? What should I do now? Any replies will be appreciated !

Not rang TS yet.. Will do though.

Jezus Christ!! Link Wrote to my mother asking her for assistance in locating me! This is taking the p*ss Should I respond...?

OK.... OK ..... So both the loans are covered by the consumer credit Act 1974 so they are the old style loans? This means that if the phantom payments are unproven, they are definately statute barred? Both agreements DO outline that they are regulated by the consumer credit act..... Win?

Hello Again Guys.. I am sorry not been on since Oct. I don't get email alerts when posts are made, but I do post when any new developments arise.... Special " Hi!!" to Undercover Elsa! Ok So SLC has responded to my demand for proof of a payment in 2005 on both loans. The last letter I had from them detailed that they will be investigating with "their agents" as to the payments received in 2005 and will return to me in greater detail. That was back in May....With this letter they have ignored my request for payment proof and said that I have been in breach of Consumer credit Act 1974 on7 the 98 loan. The 97 loan is with Link. My Course started in 1997.. I think both loans are statute barred. There is a question mark on the 98 loan, but both credit agreements look similar. How would I be able to tell if my credit agreement for 1998 is different? Is there an identifier? On the other side... Link have been trying to get the 97' loan... See my last post... I have ignored them...That is definitely statute barred if these payments cannot be proven. And so far the SLC are not any clearer on how the payments in 2005 were made.

Link still Writing..... They also call.... THis time they are implying that someone will visit my address becasuse it seems that I am trying to evade them. I have had notheing back from the SLC to find out how these payments were made. I have not told link of my correspondence with the SLC though.... Maybe it is time to let them know ? or just ignore them !

Thanks... This is what I will do....

Link have written, Asking me to call them to discuss the Debt! No!! It ain't happening... I have heard nothing from the SLC or Their mysterious agents..... Elsa says let sleeping debts lie!!! .... How do I do this?

I have just had a look through the answering machine... These ****s have left me like 9 messages.... I am not having it.