ok guys have dug out ppi repayment figures I got £3187.07 back for miss selling of ppi and £454.78 back representing interest at 8% making a total of £3641.85, if some one can take a look and advise it would be much apreciated all so do I have any grounds left to dispute on ? thanks guys Mikey

ok 3rd attempt with pdf file think its ok this time, dx will find exact ammount i got back and post up I have all the relevent paper work. thans mikey all.pdf

ok will make attempt to clean up tomorrow and repost dx can you give me an idea where i stand then, i thougt i'd reclaimed all there was, should this be in dispute ? and what are my grounds ? sorry not that experianced at this. mikey

ok Guys update on my situation, I received a copy credit agreement from Arden credit management on the 19th May having put my account in to dispute on the 1st May, but no follow up letters or calls, untill 3-4 weeks a go when a very nice man from RESOLVE A CALL came knocking at my door, I very calmly told him that I had revoked the right of Moorgate loan serviceng and Arden Credit Mangement to visit me at home and that he was there fore tresspassing and that I would only communicate in writeing and that if he didn't go i'd call the police and have him removed, he just appologised and imediately left ! having not heard any thing since I have this morning received a letter from Fredrickson international, tellin me that they now act as DCA for Moorgate loan serviceing so a change of DCA any one any idea's why this may have happend ? are they part of Paragon or have Moorgate given up on Arden credit management, any help/ sheding some light on this would be very much apreciated. Mikey130

Haven't heard any thing from Arden credit Management, for 2 months now and I notice there are no new threads about them and no updates from any one else, are they still tradeing, are they in difficulty, any body know?

Thanks Fred sorry about the rant, it just annoys me these people are happy to/ even encourage you to borrow when times are good, you hit unexpected bad times and they won't even consider any offers of reduced payment MBNA totally refused every offer I made them, prefering to default me and then sell the problem on and ARDEN look to be exactly the same. cheers Mikey

don't get me wrong i'm not saying the agreement is unenforceable, the ppi I had back was on 3 loans and 2 credit cards, so a lot of ppi and a lot of interest, what anoys me was when my circumstances changed I tried to claim on the ppi and was told I wasn't covered in the exact circumstances they had assured me I would be covered for when they sold it to me, and then when I tried claiming it back as "it must surely have been mis sold" there investigation concluded that it wasn't mis sold ! remember this was all pre oft hearing, as soon as a solicitor wrote to reclaim ppi they refunded it. at the moment I can only afford token payments and if they don't wish to accept this fact then i'm happy for them to take me to court and let a judge decide what I can afford to pay I know i owe them some thing but I need to know exactly how they arrive at the figures, a nd as I had to pay considerable fees to get the ppi back I personally think that should come of my balance. mikey

thanks m, will do hope to scan every thing in at weekend am out working all day, sometimes till quite late so jump on here to reply to people when ever I have 5 mins. signed 18th jan 2007 mikey

Hi M, no its ticks done on the internet, they are recognised as signatures these days, try,ing to sort all my paperwork out to scan in for dx to look at, not to bothered if its genuine will stick to my guns and offer token £1.00 payments all the way to the court room if I have to and rely on the good old british justice system not to make me pay more than i can afford, after all the debt is unsecured and only in my name the hause is in joint names, and why should my family suffer I was fine till the credit crunch hit.

thanx dx will do may take a while though mikey

Hi guys right this morning have received what looks like a completely true copy of a loan agreement with mbna, electronic signautures, and a full statement from loan being taken out up to and includeing £1.00 nominal payment sent by my self in aprill, any advise on what my next mave should be ? mikey

if they send some one to door just say " I only communicate with them in writing" and then shut the door end off. Mikey

Hi m, I recorded delivery door step letter and they wrote acknowledgeing, that communication was written only from then on, your dispute letter can go on 28th which is 12 plus 3 days its days not working days that you count, recorded dely the indispute letter use rhe 1 in the cag library they then can not harrass you in any way untill they sort out your dispute, remember you can print off proof of dely from the post office web site the day after posting do that and keep as evidence you need the reference num from post office slip to do this. mikey

They've only phoned me a few times in all, but I sent Door step letter same day as CCA letter door step letter makes clear communication in writing only, I also don't think they were sure they had my num its ex directory and all though they have my mobile I never answered the calls which means they can't be sure its my number ( thats my logic any way)

Hi m, as far as i'm aware the SAR is for every thing they have on you no matter how many accounts so yes 1 request and1 £10.00 fee DH will put you right if thats the wrong info , as for the phone calls just wait the 12 plus 2 days and then dispute and watch ARDEN'S attitude change phone calls stop letters stop and you just wait whiole they try to sort out an enforceable CCA you must be half way to your 12 days now. mikey.