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mattinexeter

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About mattinexeter

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  1. hi thanks for speedy reply I can't remember the mortgage lenders name from 1999- 2003!! any other ideas?
  2. Hi sorry i think i posted a thread on this subject prior but cant find it!! I have looked at my credit file and it show 6 years worth but to try and gain back PPI i need info going back further to gain info on cards/ mortgages i had. How can i gain this?? Thanks
  3. SORRY TO HIJACK THREAD but how do i start a new one?? love this site but why make it so difficult to start?? i would love to know how to get credit info pre 2005? my credit report only goes back to 2005, thanks and sorry again
  4. the mortgage was settled in 2006. Soi did ask for the right thing though? credit agreement? thankyou
  5. hi after requesting the credit agreements on an old mortgage from northern rock i have received them back( including the £1.00 cheque i sent as they say i dont need to pay pay for it!Bonus!) I have read through the agreements and cannot see any mention of ppi. does this mean there is no ppi on here? or could it be hidden? or have i requested the wrong info??? Thanks
  6. Hi, I have had to go to court and a charge has been put on my property for a £1500 debt owed to a solicitor. I cannot afford to pay a monthly amount although initially i said i would be able to. they are now chasing me for monthly payments and threatening to involve DCA's. As this is a solicitor i owe the debt to they obviously know the in the outs! There is no equity in the property and wont be for a long time so do i need to pay them a monthly amount or can i say no i cant afford it you'll have to wait until there is equity in the property? Thanks
  7. great thanks! so i take it the SAR includes the credit agreement? and it will cost me £10.00? As , so far, the only thing they have mishandled is the fact they put the HPI marker on the vehicle shall i keep the paragraph 'As it is your wrongdoing and mishandling of my account which has created the necessity for this request fee.'? Also,finally, its not a bank, as stated in your letter, its creation finance so do i send it direct to the address on their letters? Thanks
  8. Hi sorry if posted in wrong area( fantastic site but bit confusing as to where to post?) I have recently got creation finance to remove the (illegal) HPI marker off my car and will now sell it but before i give the proceeds to creation and arrange to pay back the arrears(approx £2000) is there any info advice anyone can give me on how to proceed? I want to see if there were any unfair charges etc over the course of the loan so i can possibly lessen the final outlay..! if creation had played ball along the way and had been polite anfd corteous on the phone then perhaps i would just settle but im sure they have conned me somewhere!!! Do i send a SAR or CCA request?
  9. Hi sorry if this in the wrong place!!! not sure where to start on reclaiming charges and PPI, is there a time from when you can claim? i havent got all of my old credit card details as got rid of them all but i did have a Captial one, mbna and amex card about 6 years ago, how can i find out if i had ppi and unfair charges if i havent got any details? can i still try and claim?
  10. Hi sorry if this in the wrong place!!! not sure where to start on reclaiming charges and PPI, is there a time from when you can claim? i havent got all of my old credit card details as got rid of them all but i did have a Captial one, mbna and amex card about 6 years ago, how can i find out if i had ppi and unfair charges if i havent got any details?
  11. Hello I have a car agreement with creation finance(yes i know) and i t hasn't been signed by creation although i have signed it. does this matter?is the greement still enforceable?? i am trying to Voluntery Terminate the agreement but have been told i cant because its a fixed sum loan agreement.. can someone please confirm this? i need to get out of this agreement because i simply cant afford it after loosing my job. please help!
  12. hi sorry if i apear daft but i have been looking at the statements welcome send and notice the 'capitailsation' fee which ranges from £129 -£146.00 approx, where has this figure come from? what if any can i claim back from it?it gets added to my balance every time! also i have charges of £25.00 unpaid d/d, default sum interest fees and letter fees of £10.00
  13. Hi im just looking through all of statements/junk sent to me by welcome, im probably being thick but im geting tired but what do they mean by capitalisation? every month approx £135-£ 140 is added to my debt! is this interest?
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