Hi dx, feeling more confident about handling these now, this will be my 8th case I'm starting (with another 9 to start for friends and familys) although my first credit card one BUT I'm sure if I get stuck I will be asking I'm not going to wait on BC contacting us would rather get the ball rolling and be in charge of my own time frame! Will keep everyone updated!

Hi ims, I've just checked all three of my loan numbers (BH & Chartered Trust) and they all begin 343 and all 9 digits long, dates taken out range from 1997 to 2003.

I think that is probably your banks ref for your loan. Not the normal thing to do BUT have you tried phoning them to see if they can find it? I had to do this and eventually they found my last agreement with them, payed in 2006 Also edit your post to remove you ref number

Hi Cath, I went through the same problem, in the end I had 3 loans but they originally had no record of me!! They will still have you on record but most likely archived, all my loan numbers were 9 digits long and beginning with 343. Does this sound similar to yours? Also have you moved since settling your loan?

Hi Cath, is your loan still active? If not when did you finish paying? I know from my own experience that BH archive old accounts after 5 years.

Morning all, Well they thread title says it all really, my OH asked me to check her BC statement last and I discovered she has optional payment protection. When I asked her about it that was the first she knew she was being charged it (she is a nightmare at times for checking what she is paying out lol). She has had this card for about 10 years and doesn't remember agreeing to this! So first off SAR being sorted today

Ok bit of a seach on google but COO Collections is Chief Operating Office Collections still no closer to whos signature though

Hi snowingagain, I would think your complaint would be an insufficient needs and demands analysis, as you already had sufficient employee benefits in place in case of sickness ( as most PPI claims only pay out upto a year at a time)

With regards to the NOA in post #38 does anyone know whos signature it is OR who/what is the head of COO Collections? Just wondering if crapbot have the authority to use their signature?

I'll get an email sorted and sent later, if they decide to read it

Love to see the what nonesense they give in response to that lol You probably will by Friday, usually takes them 2 days to respond to my emails

Thanks teaboy I shall give them a final final final response also Section 196(4) states registered postal.

* Sent an adapted version of the template prelim letter to BH on Saturday outlining the following points. * 1.****** Refund of the penalty charges. * 2.****** Refund of the interest applied AFTER the deadline of the first default notice. * 3.****** Correction of the Default date registered on my credit file. * 4.****** Correction of the Satisfaction Date of the CCJ. * Also asked for compensation for the negative effect of points 3 & 4 being falsely recorded. * It was signed for this morning so 14 days and counting!

Just a couple of stories for those who haven't heard. http://uk.news.yahoo.com/barclays-no-quibble-ppi-compensation-pledge-085215561.html and http://uk.news.yahoo.com/fsa-extends-ppi-insurance-mis-selling-settlement-time-082423544.html

laughable really. I think I have gave them more than enough chances to sort this!

Hi All, * The saga continues…but doesn't it always with crapbot! * So I emailed crapbot a couple of weeks ago with regards to their fabricated, sorry representation, of my NoA and their right to claim interest until a valid NoA was served properly. * Also asked them what Law or act they were relying upon to state a representation was acceptable. Below is there response: * Our response to your correspondence * I refer to your e-mail, which was received on xx June 2011. * I note we sent you a representation of your Notice of Assignment (“NOA”) and you require clarification on the act and/or guidelines, which illustrate that the same be sufficient to confirm the assignment of your account to Cabot Financial (Europe) Limited (“Cabot”). * I can confirm that our position remains unchanged, as we are not required by any act or guideline to hold an exact copy of your NOA on file. Therefore we reproduced a copy of how your NOA appeared at the time it was sent to you, which as previously advised, is sufficient for your purposes. The Customer Assurance department will not correspond with you any further regarding this matter. If you maintain your dispute, I would recommend that you contact the Financial Ombudsman Service with your concerns. * I understand you believe that your outstanding balance is not legally claimable, due to the interest that has been applied since our purchase. I can assure you, the interest applied to your account is in accordance with your original credit agreement that you agreed to upon opening your account. Therefore, you are liable to repay the full outstanding balance. * Your account has been returned to our Collections department and I recommend you contact them on 0845 070 0116. Should no payment offer be received within 7 days, your account will be escalated through our collection procedure. For your ease of reference, your outstanding balance is £xxx. * I trust we have set our position clearly. * So of to the FOS then?

update

Just Tracked & Traced my letter, delivered and signed for this morning. Eight weeks to go!!

Morning All, Cover letter, 3 Questionnaires and Schedule of Claims sent this morning! Now the wait lol

Hi Fred if you have your agreements try putting the info into the spreadsheet I linked earlier, thta might help. I will try and do a walkthrough of my figures later

Then you need to workout how much of loan 2 before PPI is made up of residual PPI from loan 1. Once you know that then its just a case of applying that percentage to your monthly payments before PPI to find your monthly overcharge. It's when you consolidate AGAIN it can seem to be confusing

I thought the same at first. I think the reason is as the Principal of loan 2 is based upon residual PPI from loan 1. If that was't there Loan 2 would be for less, BUT it does mean the residual PPI has contractual interest added THEN 8% statutory!

Thats the example I used myself. Just ignore the bit about alternative PPI cover and it does make sense! Honest!!

Hi Kingerem, you first need to establish why you feel it was mis-sold. As this is something you will have to put in the FOS questionnaire. If you feel it was then have a look on the FOS website and their pdfs.

Hi iwtand. on your agreement there is no Total Amount Payable on the Loan or PPI. The PPI alone will be £24,372! Additionally your cover was only for1 person even though there were joint borrowers. Another two reasons to complain!