Hi, thank you for the reply, yes he knows where he lives as they all still live together just in another property. The one owing the debt won't pay he just keeps saying yeah I'll get my dad to pay but then does nothing about it leaving my son with a debt he can't pay, he's back in university now and can't work anywhere near what he did over Christmas to pay his own rent arrears. I just don't know what to advise him to do as he can't pay, he'll starve if he even tries as he has nothing left after his normal bills.

Thank you Andy, I really did look but struggled to find where to put it. Thanks again.

Hi I hope some folks could give offer me some advice for my son who is a student at university. During his second year he house shared with three other students, the tenancy was a group one i.e. any problems and all were held responsible. They left the house in July 2013, my son and one other owed a couple of thousand in rent arrears between them to which they agreed to pay once their new student loans came in the September. In September they moved to a new property and tried to arrange a payment plan which they could afford. In December my son was alone at the new property (they others lads had gone home for Christmas) when letters arrived threatening court action this prompted my son to contact them and apparently they (the solicitors) had been sending these letters to my son's first year address at student halls so they didn't receive them. My son paid his arrears because he'd managed to work all over Christmas/New Year and raise the money but the solicitors wouldn't let up because the other student still owed £1500. The solicitors sent a payment agreement which my son signed electronically, which also included the other three boys names but they didn't sign it because they were all at home still for the holidays. So anyway to come to my question because my son signed this stupid agreement in a panic he's now being hounded, told he'll be made bankrupt and have all his stuff taken unless he pays what the other student owes i.e. the £1500 plus another £1000 in added solicitors fees, they actually came to his new digs and handed him the letter that has given him 18 days to pay up in full all they will take him to court and file bankruptcy against him. Where does he stand, he has paid every penny he owed personally but this other boy won't pay and now my son is being made responsible, he doesn't have this kind of money and neither do we? Sorry if I've put this in the wrong place.

Thanks for all your comments, it looks likely that I'd have to claim a mis-sold policy if I'm ever going to see any of the payments I've made but being a full time carer I'm struggling to find the time to come and check back on this thread never mind take on a bank as big as Santander. Lots to think about. I'm going to ring them again tomorrow and I'll let you all know what they say. Thank everyone.

Thanks for the help, it's much appreciated. I had not really considered trying to get the PPI back and would have been very happy with the partial refund that was mentioned by the worker on the Santander loan helpline. I will though go and look at link you've given. I'm unsure if the policy was mis-sold though so I have no proof. As for refusing to let them take the new rate of £120 a month I don't really have much choice as my bank account the DB comes out of is with Santander too. If I have not received a phone call back by tomorrow I'll call them myself again. Again thanks for help, Tehya Mai

Hi all, I'm new here although I've lurked in the corner for quite a while. I'm normally found on the disability board over on MSE but have ventured over here to ask a question or two, hope that's okay? I'll try to keep it brief as possible. I have a loan with Santander (was Abbey) the re-payment period is 8 years. I've been paying it back for just over 2 years. The re-payments were £140 a month (£100 for the loan and £40 was for PPI). I had to give up my job last year to care full time for my hubby. I was going to claim on the PPI but the bank sent out the wrong form at first then my husband took a turn for the worst and it got forgotten so I've been paying PPI for this extra time too. now we're starting to struggle and because the PPI would have only paid out for 12 months but my husband's illness is permanent I decided to just cancel the PPI altogether saving myself £40 a month or so I thought. Today I received confirmation of the cancellation but the loan re-payments are now £120 which almost makes cancelling the PPI a waste of time. I was also led to believe that I would receive a partial refund of the PPI I've already paid but they are now saying (this was a young man on phone who sounded like he knew nothing of loans or about anything else for that matter) that is not correct and will refund nothing. I have been told I'll receive a phone call in the next 72 hours though. Can anyone offer some advice on why the loan re-payments have gone up by £20 and will I be entitled to some of the PPI payments back? Sorry for the lengthy post and thank you for getting this far, Tehya Mai PS: Sorry if I've put this post is in the wrong place.