ok thank you

Yes they are 'Egg Banking PLC' and on the final charging order. many thanks

many thanks I will post the SAR request tomorrow. much appreciated

Egg first took me to court, now their solicitors say Britannia Recoveries SARL - Arrow. I dont think Britannia have a uk licence so they use Arrow, but Arrow also have Uk licence complications.

thanks, that is one of the things that i have said to them. I did not think that they were allowed to sell a debt that had been to court (Egg). my CCJ states the debt be paid to them.

Yeah they have said in writing that i have no rights to the credit agreement since the CCJ. they quote case references??? They actually say a debtor under a regulated agreement ceases to have the right to obtain information on request, including a copy of the executed agreement.

I was depressed at the time so was in no fit state to pay attention, which i am kicking myself for, however, was paying £125 per month before case went to court and continued since. I cannot see anything on the paperwork one way or the other. The Solicitor has asked me to complete their own income and expenditure about four times over the last year, which i counter with my request for paperwork (there is a PPi attached to the loan). They have made no reference to the fact that court paperwork states they are allowed to chase me for I & E.

they are refusing to supply a copy of the agreement and also a breakdown of all the payments i have made so far as i dispute the amount that they say is still outstanding. they have sold the debt after CCJ and charging order and want me to fill in an income and expenditure form. Am paying them monthly. As i wont fill it in they are threatening to take me back to court.

can a Solicitor with a charging order on my proerty refuse to provide details of a the credit agreement? Thanks

Can anyone help with the completion of an allocation questionnaire. I have filled one in before in defence from Arrow but the courts keep asking them to provide proof, i now have to fill another one in for the same case as Arrow have now supplied statements (with the wrong account number on) and an assignement letter, no signed agreement though. I used CPR31.14, S61(1)(a) CCA 1974, S127(3) CCa 1974, S65(1), S60(1) before. Is this correct?

Hi Can anyone help. Barclays FirstPlus have just told us (August 2011) that they have changed the way they apply our payments to our outstanding balance and have been doing so since 2007. We have had the second charge mortgage since 2003. They state that they did this this because of late payments. They are taking the amount we pay each month off the balance and accruing the interest separately. Are they allowed to do this without discussion/notification/agreement from us ? Thanks

Hi Thanks for all your responses. Firstly Barclays FirstPlus (BFP) sent a summary of what they were going to refund as part of the PPI and what they were going to credit to the account. On the summary there is an interest amount that i paid during the term of the PPI that i believe should be repaid back, this is where i have asked for transparancy in the figures on the summary (a breakdown of my payments against capital, PPI, PPI interest and capital interest), which i wouldn't have thought was difficult based on the fact that there is a summary. This is the info BFP refuse to supply. Secondly BFP have changed the way they handle my account and the way they add interest, without informing me that they were doing so.(this was in 2007 and i found out last month). The information asked for above will show what they have done and whether i am in a better or worse position because of it. I probably couldn't sue as i couldn't match the costly legal that they can. All i have is the ombudsman. Thanks Ian for that legislation and I will be writing to the FOS with the quotation by return. Kibris

Have applied to Intelligent Finance (recently come under Lloyds banner) for refund of charges based on hardship. They have written to us three times to say they are investigating, but the latest letter says that as they have breached the eight weeks set by the guidelines we can complain to the FOS. Can anyone advise what it is best to do next?

I am having a complaint investigated by the Financial Ombudsman in regards to PPI on the basis that Barclays FirstPlus did not refund the full amount paid out. As a result of letters to BFP and then subsequently to FOS from me asking for full breakdown of the amounts I have paid against capital, PPI and Interest, BFP have ignored my requests to supply and are now ignoring FOS requests to supply. FOS say they cannot force BFP to supply this info. Why not? Information that BFP have supplied to FOS was only supplied on the agreement that FOS dont show it to me. WHo are FOS working for?