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About rknight20772

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  1. That's not the worry. The worry is they say, sorry, not enough, give us more. I say I cant, then they say, well you had access to 10K which you've not used as all creditors didn't accept, so one of the creditors then decides to go for a CCJ to see what they can get.
  2. Is it worth rocking the boat though by getting in touch with them? My credit file is clean. No creditors, just a current account and my mortgage. All CCJ's gone. Is it worth the hassle of potentially another 6 years with CCJ's, when the whole plan will be cleared at the end of 2017? Im paying a large mortgage, as I havnt been able to remortgage since being in the DMP, and so I don't want to do anything that would spoil the chances of me being able to remortgage sooner rather than later.
  3. I took the CCA's to the CAB. They said they all had the prescribed terms. Barclays was a composite agreement? but they thought that it was still enforceable. I don't really want to reduce the payment, as if I do, it will only take longer to pay off; hence the full and final settlement consideration. Is it something they are likely to do? Barclays took a 50% settlement a few years ago when I got a PPI reclaim for them. Will they do the same for Egg? Is a judge likely to award a CCJ after so much time when they have been happy to get paid through the DMP for so long? It doesn't seem like I would be treated fairly. If they had wanted a CCJ, shouldn't they have done it years ago, when all the others did?
  4. Hi Yes, all CCA'd. All are enforceable. Ive claimed all my PPI/Interest charges (which is how its gone down so much from what it was) I owe them the money, im wanting to pay them as much of it back as I can. But am worried about the effect on my now clean credit file if they decide to try and get CCJ's. My question is, can they do this after 7 years has passed and there is no record on my credit file?
  5. Hi I have been in a debt management plan for just over 7 years. I am currently paying £450 a month to Stepchange. I originally owed £75,000 and am now down to just under £20,000. I may be able to get hold of £10,000 to make full and final settlements to my creditors. These are Barclaycard (Egg), NCO (AMEX), RBS, RBS again (Mint) and Cahoot. All of these defaulted more than 6 years ago, so I have a clean credit file. I am worried about offering a full and final settlement as I am concerned that as none of these creditors got a CCJ in the past, that they may realise I have some money and try and get them now. Are they able to do this? I would like to try and do something though, as 450 is a lot of money, and I would like to start spending a little more on luxuries. 7 years is a long time to go on a very basic food budget and no beer!
  6. I had an energy contract with Scottish Power and have transferred to EDF. The transfer took 6 months because of IGT issues. Finally moved over on 24th September to EDF. Scottish Power sent me my final bill at beginning of October, and I paid it. They've now sent me another bill, with estimated figures on it showing that I owe then another £100. I spoke to Scottish Power and they said first of all that I had called and given them new meter readings. After much discussion, they agreed that it wasn't me. They claim that they were provided with closing/opening readings by EDF, and then 3 weeks later, EDF provided them with amended estimated readings. They have told me I need to go back to EDF to get them to update the opening readings. Ive said to them that I paid my final bill and as far as I am concerned my account with them is closed, and that they need to deal with EDF to sort it out. They saying there not going to do that and said if I don't sort it out and don't pay, they will take legal action. Are they allowed to do this? They sent me Final Bill, I paid it, account closed. They shouldn't have accepted the updated readings? I guess im not right, but am irritated that I have to again sort out the mess. They were unhelpful and it took me over an hour to even start speaking to a person about it.
  7. Well, the saga continues. The Information Commissioner has ruled that Natwest hasnt complied with my subject access request (in November) and suggested to them that within 28 days they provide a full response. It is now 9th February and still nothing from them, despite many letters, phone calls and emails. I am about to file a claim in the small claims court demanding that they perform a complete disclosure. I would like some advice on the terms Natwest uses if possible as well as information on what I can (and can not ask for) I want a complete listing of information they hold about me in their customer management system. Does anyone know what Natwest calls it? So far, they have given me two pages of typed up notes with details of calls I have made but nothing else. I also want the data they used to calculate my credit score when they reduced my credit limit. They claim that the formula they use is commercially sensitive and so is exempt for release (I am assuming that this is correct) but surely my personal data that they put into the formula isnt and should be released? As I have mentioned previously, they claim to have a 'system' that indicates I have never had PPI on my account, yet I have the original application form that shows I did have PPI. Does anyone know the name of this system so I can request all details from it? I know that simply asking for ALL data should be sufficient, but Natwest seem to be going out of their way to make sure I dont see this data (im not sure why and maybe im just being paranoid) so I want to be as specific as I can be so they dont later say 'well you didnt ask for that' when they bring out some other data that I have never seen. Thanks in advance Rich
  8. In July 2006, I defaulted on a number of debits. One of them was for a visa card with Shell. This was sold on to Arrow Global and in September 2008, Arrow got a CCJ for the £3523 outstanding. I have been paying the shell/arrow at £14.37 a month since 2006. There is still £2790.77 left to pay. I have tried to make a settlement offer to Arrow of £839.55 which is there amount, pro-rater from a lump sum I have received, but they have turned me down saying they can only offer me a 50% discount. All other defaults have been removed from my credit file, but this CCJ will stay until September 2014, so I would like to settle it. Does anyone know how firm they are on the 50% rule. It seems silly that they would rather have £14.37 for another 16 years rather than have the 839 cash now.
  9. No. I always had a balance on it. The application form shows a balance transfer request on it so it would have had a balance on it from day 1.
  10. In a long running saga with Natwest, I applied for a PPI refund over a year ago. I have the original application form that shows PPI was on the credit card application form. Natwest wrote back to ask for statements to show it was paid. I obviously don't have any (the card was opened in 2000). I did an SAR to Natwest for all info, and they sent just copies of statements but took nearly 60 days to respond. I went back to them, asking them to provide all information Id originally asked for. They said they had, but later 'found' a few more statements, and sent me copies of a few letters and a typed dated document with about 10 entries on it which had basic notes about my account. I complained to ICO who have issued a letter saying the Natwest did not comply with my SAR and asking them to look at it again. I want to write to Natwest again now, asking again for ALL information about my account. I particularly want a copy of the data they hold about me in the Customer Management System. (Does anyone know what Natwest call this?) A similar SAR to Barclaycard resulted in over 100 pages of detailed print out of their customer management system giving account status over the full term of the account. Natwest in one of their letters claim they have a 'system' that tells them that I never had PPI insurance. I want details from this 'system' also. They have contradicted themselves in some of their letters, saying either can I send evidence as they can find no details, to saying they have evidence that I never paid it, despite it being on the application form) Finally, Natwest have now reduced my credit limit saying it received 'data'. Are they required to give me this data, and can I also ask them to show how they calculated that I was now an increased risk? Can anyone suggest what I should ask them for? Thanks in advance
  11. Quick update. After phoning Barclays head office 3 times a day for a week, and insisting to be put through to Bob Diamond I was eventually transferred to their "Executive" team. 24 hours later, just under £5000 was paid into my account. I keep saying this, but thank you again to everyone that keeps offering me advice. Some times you think "is it worth it", but with some persistance, it definatly is!
  12. After successfully reclaiming PPI on my Barclays credit card, I have now started to try and do the same thing on a Barclayloan Select. This time, I have much more evidence. I have a years worth of statements, and the original insurance document. After sending this information to Barclays, they wrote back to me telling me that they had no record of me having PPI on the account and so would not uphold my claim, unless I could send them any further information. I wrote back to them, telling them that I sent them the statements and the policy with my first letter and enclosed a further copy for there reference. 5 days later, I recieved a response from them stating that they had reviewed the "range" of information they had and they could find no evidence that PPI had been mis-sold. This despite that fact that 1. I didnt need it and 2. had pre-existing medical conditions that they didnt ask me about. There letter states that they looked at the complaint rate for the person that sold me the policy and that I was the only person to complain so there couldnt have been any mis-selling! I have SAR'd Barclays to try and see this "range" of information they have used to deny my claim. 40 days are up, and they are now claiming that they didnt recieve the SAR, despite it been signed for by "Barclays" If I push them, will they investigate further (like Barclaycard did) or should I just pass it on to the FOS? Thanks in advance.
  13. Hi I have a credit card with Natwest that I have tried to claim PPI refund for. I took the card out in 1997. They have provided me a copy of the application form under a s78(1) which shows that the account included "credit card repayment protection" I belive I cancelled the PPI in 2001. Natwest have said that they have no record of me making any PPI payments and so have denied my clain. I have no evidence to say I did either, other than knowing I cancelled PPI on all accounts in 2001 when I was made redundant as I was a contractor and no-one paid out. I SAR'd Natwest, who have sent me statements back til December 2005 (after 55 days). They have also sent me copies of some letters I have written to them, but by no means all. I asked to telephone transcripts, but they have said they wont send them unless I tell them the date and time I want the transcripts for. Finally, they have sent me no data at all about the running of my account. I imagine Natwest (like Barclaycard) must have some sort of customer management system, that tells them how I run my account, credit limits, over limit dates and times etc. but they claim that they do not and they have sent me all the data they are required to. Even the notes on my account are simply typed up, but with no date/time attached to them. I find it difficult to believe that Natwest holds so little data on me. Can anyone tell me if they have had more luck getting data out of Natwest or suggest what to do next? My plan is to notify the Information comissioner of Natwest's refusal to provide information, but I dont want to do that if this REALLY is all there is. I would like to complain to the FOS about the PPI, but I dont want them to be able to produce "evidence" that I cancelled the PPI the day after I got the credit card. Im fairly certain I didnt do that, as I was naieve back then and thought it was useful. Any help would be appreciated.
  14. Hi Yes, done a SAR to all of the creditors. Only one left is Natwest, who have been very unhelpful. Sent SAR in September, still no response. Reported to informsion comissioner. Ive gone as far as I can go with regard to reclaims. What I would like to do now is work out what the best thing to do with the 7K is in regard to the debt.
  15. Hi I have a significant amount of debt (just under 70K) that I have been paying off via a DMP through the CCCS. Since I started paying it off, ive paid just under 22K (over 5 years) With the help of this forum, I am just about to recieve nearly 17K in PPI back from Barclaycard - one of my larger creditors. Unfortunately, Barclaycard will be using most of this to settle my accounts with them and so will only be actually returning 7K back to me. What I would like to do is use this 7K wisely to make offers to my creditors to see if I can get any more of this debt written off. Im not trying to get out of paying it - I do owe it to them at the end of the day, I just want to reduce it as quickly as I can. Details of the debt are Barclaycard - 4K (Settled through PPI) Barclaycard - 6K (Settled through PPI) Barclaycard (Sold from Egg) - 6K Barclayloan - 9K Barclayloan - 3K Barclays Overdraft - 1K Cahoot - 7K Drydens (Egg), Charging Order - 16K RBS Credit Card - 4K RMA (American Express) - 5K Transcom (Shell Visa), CCJ - 2K RBS Credit Card - 7K What is the best way to procede? Should I make them all an offer based on the balance? Should I just forget the offer and just put the cash into the DMP? I dont want to do anything that is going to get them to all start chasing me again. They have been very quiet for the last 5 years and seem happy to accept payments via the DMP. There is no equity in the house (10K negative equity) so I was thinking about offering the whole 7K to Drydens to see if they would accept and remove the charging order. Is this sensible/likely? I dont think there is any PPI (or other charges) I can claim back from anyone else. I do have an application form from Natwest that showed a tick box to say I would take it, but I (and they) have no records of any payments actually being made. Any help would be greatly appreciated.
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