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rascal

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About rascal

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  1. I've been away so haven't been checking this. I have now sent them updated address details (of a week ago) but haven't heard anything back. have checked my credit reference files and there is nothing on there either - I had updated my credit reference files when I moved anyway regardless of the tickets. Wright Hassall are the solicitors (from memory) that were writing to me. I haven't kept a single thing in terms of any paperwork to do with the tickets - stupid yes but I was so angry that they kept on writing to me that I just binned the lot.
  2. I know i've been ridiculously stupid before anyone points it out - Im not here to be judged but feel free to judge away... I have numerous outstanding parking tickets. I was paying for a carpark close to my local train station and for around 18 months was genuinely buying tickets one day I forgot to buy a ticket, then they went over to that auto ticketing thing that you can do online or over the phone I just genuinely kept forgetting to buy tickets - so much so that I decided as I hadnt been fined within the now 4-5 months of parking there for free I was going to t
  3. I've had no response to my LBA although I know it was received as it was sent recorded etc. Was 14 days as of today.
  4. Yep can email what is the address to use? And I used the standard FOS ppi form.
  5. I submitted my ppi form to Santander 4 weeks ago and they have just written with more forms saying they do not believe my complaint should be upheld based on the information that I provided. I know that ppi was applied to the accounts. I worked for Debenhams at the time and we were told to encourage customers to select the ppi box in order that their credit application was successful. I've sent the forms back today saying that I worked for them at the time (albeit I was 18 and worked one evening a week and Saturdays). Although I had no savings of my own and
  6. oh fantastic its worked thank you so much. It appears to have automatically updated the values as well. If I reattach can someone look at it for me please?
  7. Ive just noticed that my Excel spreadsheet from before is attached within this thread is there any way to extract it I have tried - Im not sure if my work are blocking it? Obviously the PPI amounts will be exactly the same so may not need to wait for the statements in this case.
  8. Hi Im still waiting for Beneficial or HFC to send me my statements. In the meantime HSBC wrote via the Revolver website to say they could not find anything that suggested I had ppi. The account was in my married name (ive been divorced 10 years) so I have sent via recorded delivery some ID and my decree absolute. My question now is because the FOS ruled in HFCs favour - well they said that although they agreed the PPi had been missold they didn't believe I should be refunded (this is from memory again was 5/6 years ago) - when I have the statements and I know all the totals etc. can I proce
  9. Yes thanks I have read the guide. There are a couple of things that stood out with me - for Payday UK and Wonga from what I can ascertain from my records - no score was given for subsequent loans to the 1st. i.e. just because I had successfully repaid one they did not rescore me on any of the CRAs to ascertain my credit history, they lent according to their own sense of affordability. Im genuinely not expecting a miracle from this. If anything it has been an extremely tough lesson for me and one that I most definitely will not repeat. In an absolute
  10. I just saw that there was a Resolver function where you can enter your details and log the complaint. I just called HSBC myself though and have submitted another SAR and the form from the FOS. I tend not to post anything on MSE as I find the contributors to be really judgmental rather than factual.
  11. No these loans are no longer outstanding. I read somewhere that one of the CRAs works on a real time basis so other lenders can invariably see information from one to another is this not the case?
  12. Thank you I went on the MSE website yesterday and started a claim and today I received an email from someone at HSBC saying they were looking in to it. I never knew that HFC had sold everything on to HSBC. Will HSBC now have a record of the Ombudsman's decision with HFC? On reading through various forums it seems that HSBC tend to get matters moving and resolved a lot quicker than HFC.
  13. This is from my CRAs although I do not think they are necessarily conclusive. The information recorded is obviously proof that I had the loans but it would take a collaboration with my bank accounts to see how they caused me financial hardship. I recently fell into rent arrears due to being completely overstretched, a relative lent me this money and I have paid it back. I fell behind with council tax for which I had bailiffs attend my property. I fell into arrears with my car which I have only just cleared. All the while these people just kept lending and lending me money. The d
  14. I gave up on this claim back in 2012. Why? - because the FOS adjudicator didn't agree with my claim - I was then left with the small claims route. Looking back my baby was only a month old and having 3 young kids under the age of 5 I literally just gave up with the claim. Is this something that can be potentially relooked at? Yes I know I've left it 5 years and I'm aware of the potential answer being no but was just curious as to thoughts? I haven't kept any old spread sheets or anything so would literally have to start from scratch.
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