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ccridersuz

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About ccridersuz

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  1. He started off just looking to find the plan, then paperwork was sent giving the figure of £13,000 and a form to accept this as a lump sum, we are battling to get further information in writing and so far telephone calls have stated that is it, no weekly or yearly pension, just a lump sum, basically plucked out of thin air?? no figures to back it up, no other correspondence and we requested the CETV just out of speculation and so far it has taken over a month to give us this. Was advised by tel phone call to await the CETV as it was being worked out. But, surely some figures should have been
  2. All he has received is a PCLS, to sign and send back. Nothing else. The last statement we have is dated 1999 (we moved in the October of that year). But they are saying the pension is from 1980 to 1995 (company taken over by Hanson in 1995 and closed down in 2003 and no pension was taken out for these 8 years apparently). Telephone this morning to Capita, resulting in them saying that's it, that's all he's getting!! However, after the telephone call hubby received a letter confirming CETV was being actioned and would be forthcoming. So, if it's not a pension how can they put a CETV
  3. Hi all, been a while since I've posted on here, but we need help. Just traced an old Pension of hubbies and it amount's to just over £13,000, but having phoned to find out further details, have been informed that it's just that a lump sum!!, nothing else. No income, no pension nothing! just a Lump Sum of £13,069. Seem's like someone gave him bad information over 40 years ago. We are waiting on a CETV, but our plan's on buying a little holiday retreat have gone. However, we would like advise as to whether this minimal sum is worth doing anything with Pension wise, as hubby is 62 this
  4. Just had a very worrying phone call started with me querying the fact that they where still under the impression I was self employed (a job I did for 18 months) got put through to tax credits department who said that we still owed £12000 and this sum was now in the hands of a debt collection agency. And that their last letter to us was March this year which is an absolute lie. they refuse to send copies of any correspondence. Not had any correspondence on this issue for years. This debt goes back to when tax credit's first came out and was based on estimates from my local tax
  5. :???::???::???: Sent my fine and paper licence in pre addressed envelope, but according to DVLA was never received. Consequence was that I ended up with a court date, went and pleaded guilty. 35 in a 30!! Duty solicitor dealt with it in court and I was there about ten mins. Fine arrives in the post and includes a "Victim" charge, are they really allowed to get away with this?? Can somebody please explain "who the victim is?" as it was a flipping fixed speed camera. What sort of government con is this????
  6. I also went from Classic to Select, thinking that the classic account was being done away with. I believe that the Select began in 2006, has anyone got Select statement's going back further? I have yet to receive a response form my SAR. Thanks What a shame that the good old day's of being on first name term's and believing that your local bank manager knew you well enough guide you around the bank account that suited your finances and your ambition's.
  7. My lad received in the post an advise and information booklet on keeping his motorcycle safe and secure, sent by the local police. He had recently just brought the scooter, and had only ridden it a half dozen times and had not been stopped as it was Taxed, MOT'd and Insured. I was told that the local police force buy the information from the DVLA and wondered if this was true? As that being a Council Tax Payer, a proportion of the Tax goes to my local force. Having waited 8 days for them (the police) to come out after having a brick through my window, I find myself wonder
  8. Hi peeps, I wondered if anyone knows what year the classic account with Lloyds began? I have already claimed my PPI and up until a text yesterday, had no idea that I had been miss sold my bank account upgrade. We were told that to stop getting an overdraft charge and improve our credit score it was the correct account for us. The packaged benefit's were sold to us as a free service. Thanks
  9. Success for two current loans with Lloyds, amounting to just over £1700, Success with three old Lloyds loan's dating back to 2002 over £3000. Now I just wish I had not destroyed the paperwork to a Welcome Finance loan I struggled with for years. My advise don't give up if you know you are in the right.
  10. I would like to respond to the post's on here by my own recent experience. I had a letter asking me to contact the company in respect of a debt for £490. Which I had no idea about and as far as I was concerned was not mine. I wrote to the company concerned and a second letter arrived. This letter stated that the debt was from 1995!! now this happened about six weeks ago. Anyway, as they had obviously not responded to my letter, I phoned them to find out what was going on. It turned out that a debt had been incurred in my name at an address I was supposed to have lived at, I pointed out th
  11. Hi, I have read this thread with interest and the most interesting point that hasn't been mentioned is:- we were then introduced to a new accountant who Quote "would change our business to a multi national" he advised us to change to lloyds where his mate is business manager. Maybe it's the way my mind works, but this bit may be worth investigating! These two guy's are the cause of this problem, would they have had some private agreement between themselves? a bit of a backhander misdealing's???? Just wondered where they are now? and if prehap's these two have conned anyone else? a
  12. I didn't really think about this, I did find out the hard way. Also found out that if you bring account back into credit before 3.30pm no charges happen. But why 3.30?? this is not close of business.
  13. I think CCS is the Customer Collection Service, Lloydstsb's Naughty person corner, for us peep's who won't be good. Have been in and out of their hands, over the past few years. Can I also suggest you sign on with the job centre, ok I know you won't get any money, because of your self employment. but if you sign on fortnightly, as unemployed you will get your stamp paid and you can tell them that you are unemployed and can make a silly £1.00 a week offer for payback if they do take you to court.
  14. I've rewritten to lloyds, as my reply from them covered various point's which were inaccruate or incorrect according to my original letter. Have you read your refusal letter word for word? I wrote a response just restating the fact that I did not realise my PPI was in actual fact a Loan Itself, which incurred interest. I reiterated this fact by saying that I was not aware at the time that I was in fact taking out two loans? one for the purchase and one for PPI. I am awaiting a response, but the reason I have done this is because I wrote and asked for the return of PPI for an old and new loan
  15. I have just dealt with an old supposed debt, asked for more information and a copy of original document signed by yours truely. As this could not be found, they apologised and told me that they could not pursue it further. Thank god!!
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