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About iklt

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  1. hi yes when i spoke to the bailiff this morning he was very negative because it was a bank and a PO box address different story if it was a flat or terraced house with a struggling couple or old lady who has fell behind with payments on a overpriced piece of furniture or television like all bullies they meet there match his seems to be a bank
  2. sorry brigadier i made mistake it is bank of scotland not rbs just googled there head office BANK OF SCOTLAND,THE MOUND,EDINBURGH,EH1 1YZ will contact bailiff and give him this thanks ian
  3. Last year i recieved SAR from AA loan i had it was with RBS i sent off letter asking for ppi payments back and recieved rejection letter i pointed out my pre existing medical conditions and the fact i was not asked if i had any and got letter back stating i was affected to some extent by the exclusions of my ppi policy however the extent of the affect means that there was no impact on the suitability of the ppi policy so they would not uphold my complaint. As this was there final response i decided to file a court action on MCOL i filled in brief description of claim and was surprised to get
  4. hi martin sorry for late reply the account first started out as a normal current account with overdraft that is when the charges where added and then in 2005 it was changed to a additions current account then in 2007 it was changed to a additions plus where you pay a monthly fee for overdraft, breakdown cover,mobile phone insurance ect thanks for your reply i will do plenty of reading you have given me some great inspiration thanks ian
  5. hi martin yes do you think i should ask them to give me a breakdown of the twenty pound charge even though the oft considerd it unfair is this my strongest point as i gather no bank has explained there pre 2006 charges regards ian
  6. Three years ago it all went wrong work dried up i defaulted on personal loans, credit cards, overdraft, the options where bankruptcy or dmp as i am a home owner i went for the dmp option with no fees playplan plus i make monthly payments from my now reduced wages. roughly it is 60k to about six creditors the biggest being hfc and barclays.at the rate i pay after essentials it will be cleared in 2045 if i dont croak i will be 81 i have had great success claiming ppi with the help of the template letters on cag (MBNA being the most difficult with there you ticked the box so it was non
  7. hi need some advice have rented a indoor market stall from wrexham council for over ten years.have had really bad time last three months and fell behind with my rent there is a new lady in charge of the debtors section for the council who is quiet aggressive with me and other traders if we fall into arrears. i owe roughly £950 pounds rent and have had two reminders for this.yesterday a bailiff from rossendales turned up showed me his badge and came in the stall he gave me a bill with £300 pound charges on top of the £950 and wanted all the money straight away and started to do an inventory
  8. yes i gave them my full name and address where i was when i took the loans out and yes they were probably paid off by 2004 so does that mean i cant get that information because it is so old thanks ian
  9. Hi had two loans with the AA about 2000 to 2004 and i am 99% sure they had PPI on them so sent SAR template letter. plus the £10 fee explained in the letter that i had no statements or account numbers for the two loans. they replied straight away saying i provided insufficient details to locate any AA accounts. we wiil be unable to process your request until we have these alternatively you can contact us to arrange the return of your fee. I wrote back telling them again i do not have any account numbers or statement of accounts but they dont read what i am telling them and another
  10. thanks dx100 will get on to it today and let you know the outcome cheers ian
  11. First a big thanks to the cag site team in advance when everything went wrong in my finances this is the site that has helped me claim money back sort out a dmp and see light at the end of the tunnel.# I have sent black horse a sar and it has come back with a result On the 28/04/03 i purchased a car from the now defunct james edwards car dealership in chester the sales person was insistant i take out the ppi implying i would have a better chance of getting the finance if i had the insurance the loan was over 48 monthly payments and went like this
  12. barclaycard account taken over by MKKR recovery still owe £700 so claimed ppi on account and settled with them for £607.31 BARCLAYCARD send me letter stateing they will offset refund against any arears on account so thought the whole lot would be swallowed up by MKKR BUT THEY HAVE PAID FULL REFUND AMOUNT INTO MY ACCOUNT RESULT cant understand why but not complaining has this happend to anyone else
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