Hi dx... Sadly, it's not as easy as just cancelling the policy. The insurance for 24 months was paid as a lump sum, and added to the mortgage amount, so £550 of my mortgage balance is just a short-term insurance policy. (I.E. The house price was agreed at 45,000.00 (ish) but First Union actually arranged me a Mortgage for £47,500.00(ish) which included their fees, and this £550 policy) Basically, it's already cancelled because it expired two years after I took out the mortgage, but I'm still going to be paying interest on it for the remaining term, which is really pi**ing me off, tbh. I had no idea that I had this policy, and I would have never agreed to having such a short-living policy added to the damn mortgage balance. First Union said that they believed that I could have only knowingly agreed to having the PPI added, and that I would have been made completely aware of the terms of it, including that it was to be paid for by adding it to the overall mortgage balance. The fees would have been made 100% transparent, and that their salesman would have never duped me in to signing a contract in TWO places, without a full explanation. Well, I disagree, purley because I had no idea that I had this policy, and the terms of it are absolutely insane! 23 years to pay for a two-year policy??? mental! Can't think of anyone who would agree to that, unless they were seriously confused.

Hi Guys, I've got a bit of a mind-bending PPI situation, and I need someone to advise me on my next step. In early 2005 I took out a mortgage with Gmac RFC, Through First Union brokerage. I had been paying the mortgage for a good 6 years, before I realised that I had an insurance policy! my daughter was about to be born when I mortgaged, for the extra cash to make the house child-friendly... I should have looked through the final paperwork when it was delivered, but I just didn't (Idiot!) I find a document amongst the other mortgage paperwork that says I have Payment insurance policy. The policy cost £550.00 and was added to the overall loan balance but, get this, it was only valid for the first 24 months of the mortgage!!!??? I contacted Gmac (Now Paratus amc) who had no record of any policy. I contacted First Union, who also claimed that they had no knowledge of it, at first.. It took three days before someone found a footnote in the notes that said I had a policy. The trouble is that the mortgage broker had used an insurance broker (based out in Ireland) for the policy. I went to the FOS who checked that the insurance broker was under the FSA, and they sent a letter to First Union; needless to say, First Union wrote back saying that I was wrong. Their salesmen are too highly trained to make such a mistake as PPI misselling. Now, unfortunately, I was in consultation for redundancy, as all of this was happening, so I didn't respond fast enough to their reply. Recap: I have about 15 years left on a 23 year mortgage, and am paying interest for the life of the mortgage on a PPI policy that I didn't know I had, that would never have been any bloody use to me anyway. Can anyone tell me if there is a way of getting it all sorted? If it's all too complicated, I understand... That certainly seems to be the view of the 'professionals' at the PPI reclaiming companies. Thanks in advance.

Thanks, Andy. I'll get on the hunt and keep you all informed as to the progress of Me vs BW Legal.

LMAO!! It's gold, isn't it! I really hope that I can find a decent solicitor who can help me take them to the dam cleaners! In fact, that's probably useful advice to seek on here; does anyone know I any no win no fee DPA/ malpractice solicitors, who would be interested in a case like this?

Hi guys! Thought you might be interested in the latest update on this farcical case. Obviously I made the SAR when you advised me to, BWL ignored my request, until I informed them that I ha been recording the calls. Three days ago I received a letter regarding the request that I made on the 8th of August 2013??? Well, I was way before that, but I'll overlook it. Nearly 1 calendar year later, and they have sent me a credit agreement that has a signature on behalf of JD Williams, but no date, and no signature or date from me at all! The insist that this is the 'true' copy of the credit agreement. They have also sent me a statement of accounts... Where do I start with this? Many pairs of size 5 women's shoes, perfume, ten years younger makeup kits, agent provocateur stuff... Oh, and cat litter, LOTS OF CAT LITTER??? Why would someone buy cat litter at 39.9% apr? If indeed that is the APR; on one page it claims 39.9%, and I another it claims 37.6%. It seems I me that someone has knocked up some paperwork in a desperate attempt to not lose the debt, and as there is not date on any of the contracts, it's impossible to say when that was? I have emailed BW Legal to say that I have had no such contracts, which is proven with the lack of signature etc. .. And that as a tall man with big feet, I do fun the majority of the statement o transactions to be incredibly suspicious. However, I have had a thorough read through this contract and believe it is wholly unenforceable, therefore I am not going accept responsibility for any of the debt. If they had turned up t court, armed with that credit agreement, I believe emit would have been laughed out! Now I'm ready to pursue them for the way I've been treated, and the way my data was handled. Interestingly, in this time, the outstanding debt appears to have grown by a further £500, give-or-take? Shame they won't be getting it.

And by that, I mean, I have been asking BWL for 7 months.. But I had disputed the overall amount, with Lowell, 2-years ago! so, really, they shouldn't have passed it to BWL in the first place, as it was already in dispute..

I'm going to fill it out and make it clear that the debt has been taken to them whilst disputed as-well-as being investigated. I have still have no evdience of the debt, at all. I know I owe something, but the total that they claim is at least £770 too much.... AT LEAST... It doesn't make sense, and I've been asking Lowell and BWL for a statement of accounts and CA for nearly two years.

Hi CtizenB, long time no speak! Tbh, I really thought that BWL had learned their lesson and stopped playing silly-buggers.. How wrong was I?? I have now passed everything over to the finanacial Ombudsman, who are taking the case pretty seriously. Hi Octian, Yeah, it was just over two weeks. But the summons is for a CCJ and NOT bankruptcy proceedings... They gave up on that stupidity after I informed them that I had recorded all of the phone calls, threats, bad advice, lies etc... and advised them that they were using the whole process inappropriately! They knew full well that the debt is in dispute. I have informed them by post, and by phone, and requested a statement of accounts and credit agreement on several ocassions. BWL's response to that is "We are not obliged to share any information with you".. Well, I beg to differ! I've handed over recordings, copies of correspondence and transcripts to the FO, after recieving this summons from Northampton County Court (Interestingly does not have a hearing date on it) I will push for a financial compensation for everything they've put me through since January, and I'd suggest that ANYONE who has the misfortune of dealing with these idiots also goes to the FO. I've also contacted Lowell and told them that their 'legal firm' of choice is in breach of so many laws and codes, that they're going to end up in debt to me if they don't take the case back and start furnishing me with the information that I've requested. They got worried when I gave them the FO ref number for the complaint.

LOL! Well, after proving that they had given my details to a complete stranger, they continued to threaten for a while then sent me a letter saying that they were no longer persuing Bankruptcy, so were going to persue a CCJ instead! I made sure that there was a record with the Credit Ref Agencies that the debt is still disputed, just so they had absolutely no excuse for proceeding. This morning, I recieved a County Court Summons. I have patiently allowed them to create a watertight case of victmisation and malpractice, since the begining of the year. They have aggressively threatened me with unintended actions, given my details to a stranger (if indeed a demand was REALLY issued at all) Altered a copy of the demand by removing all descriptions of the person to whom it was served, AFTER I had ascertained that it had certainly not been me, then they have proceeded with a County Court case regardless of a dispute that is even recorded with the Credit Reference Agencies. They need striking off!

I agree! I know that, if Ofsted thought I had doctored paperwork, I would be severely told off; but, ultimately, it would be my employer held responsible for neglegence.

I do, absolutely, trust you. So, a transctipt will be sent.. Any other suggestions?

I'm sending a photocopy of what's been sent to me with a copy of the voice file, time-stamped, and notification that I have also sent copies to be added to the case with the OFT, and TS. Not sure if I should contact the Financial Ombudsmans' office too? I will include a letter that I've lifted from the OFT website about breach of the DPA 1998, giveing them 14 days to resolve/settle. I will also forward it to BBC Watchdog and BBC Panorama, as proof of the practices. Just not sure what kind of damages I should persue. They have definitely been left wide open!

Hi DonkeyB. Good idea! How do I remove text? Or do I need to delete the whole posts?

Hi DonkeyB, No I didn't but, even if I had, I've got the conversation recorded; during which he attempted to discribe me and failed miserably by the second point. If he's altered anything, I'll be able to highlight it, immediately!

Hi Guys, I'm a little confused. I've got the CCA and the SAR, ready to go. I will send both by recorded delivery, after work, today. But I'm not sure whether I still need to apply to have this Statutory Demand set aside? I've never actually recieved one, contrary to whatever BWL claim, so do I need to go to the County Court? if so, what forms to I need to prepare? Or, should I just wait until they've sent me a copy of this process servers' account of the 'serving', and dispute the obviously inaccurate evidence on there?

Hi quails. I only phoned them back because A) I realised that I didn't even know my own account ref: and B) Because I really needed to get some of the account-handlers claims on tape. Everything from now on, goes through the post. The guy I spoke to was called Adilam (I'm not sure how to spell that) I obviously have his surname, but I won't be putting it on here...

That is sad. However, I have found various forums where people have given detailed accounts of judges tossing out BW Legals cases, on the day, because BWL themselves have "No right to be persuing debts, of this nature, in this way".. Particularly from November 2012 through to present. It also seems that BWL's interpersonal skills are the subject of many complaints, even to the extent of people being intimidated in the court lobby!! Just awful!

Hi quails. I completely agree. I want every ounce of ppwk that they have on this account, and I want to know how ligitimate it is for them to chase at all! however, i also want to cause them a longer-term problem. Toda i have logged a complaint with the OFT and Trading Standards. I have a recording of my latest phone conversation, where the account-handler told me that they "Use the SD as a warning that they intend to exercise their right to make you bankrupt". I believe that I have managed, over the past couple of days, to gather enough evidence to prove that they are abusing the system. The Statutory demand is supposed to be a 'last resort' and put in to action AFTER a court ruling has been made in favour of the creditor, but not obeyed by the debtor. It is NOT meant to be used as a 'tool' to intimidate the debtor, or enforce payment. If a creditor, or debt collector, intends to use a SD then they must start proceedings within 21 days of the serving of the SD. (As I didn't actually call them back until over a month AFTER they claim the SD was issued, and they still hadn't done anything but make further threats, I'd say that they've aided in discrediting themselves) Given the sheer quantity and vulgar nature of some of the accounts of the use of SD's issued by BW Legal that I have found, since January alone, I have also approached BBC Watchdog. Although the OFT made it clear that they do not advise individuals, as such, they did recoil when I told them about how the SD had been used; particularly when I told them that the person that was assigned to my account had told me it had been "issued as a warning" and that I had been informed that I am to be "made bankrupt". Also the fact that I had been told that a solicitor is now presenting the petition, but I was not allowed to know who this solicitor is, seemed to interest them. Luckily, this phone call was recorded. His tone was moderately agressive and he was certainley aggravated by my questions. Basically, my intention is to force them to rethink their stratagies, in general. Oh, and I'll be damned if I'm going to let Lowell leave my account with BW Legal...

lmao! I read your reply on my phone. It's taken me ages to work out what you meant! :lol::lol::lol::lol:

Oh dear!... Do you know of any reliable templates that I might be able to use?

That's fair enough. I honestly thought that was a pretty standard letter. Got it off another site.

THAT good, eh? Do you have any suggestions. I'm quite new to this whole dispute, thing?

Please don't misunderstand me; I accept that I must pay the debt, so I don't expect it to be wiped out. I just don't want these yahoos dealing with it. I don't dispute that I do owe money, but I do dispute how much, and I take exception to the way it is being persued. They obviously abuse processes and misquote legislations, with a view to bullying vulnerable people. I'm shocked at some of the cases that I've read about on here.

Certainly DonkeyB. I had an online account wit JD Williams Trading as 'Fashion world' in 2008. In 2009 the account defaulted after several massive leaps in credit limit. I applied for the account online and, as I recall, never 'signed' anything, in the traditional sense... But I don't know whether that makes a difference. In 2011, I started getting letters from Lowell Portfolio, saying that I has an account balance of around £1400.00 give-or-take. I phoned Lowell and explained that I didn't understand how the balance was so high. I believe I asked for a copy of accounts, back then; I recieved nothing apart from the ocassional, standard, demand through the post. Suddenly, I recieve a letter saying that a Statutory demand has been issued, In January 2013, on behalf of a client of BW Legal to the sum of £1400.00. I had no idea what a statutory demand was and, with everything that was going on at the time, I didn't pay too much attention to it. I had hundreds of missed phone calls from 01133570529 and eventually called them in March. The chap I spoke to claimed that I had been 'personally' issued a Statutory demand in February (So not January) and he went on to explain that I was in a process of being made bankrupt. I immediately disputed that I had been in receipt of any such document. The case-worker said he would send me a copy of the process servers' account, and could I fill in an income and expendature form?. On the basis that I believed I would recieve an account of the servicing of the demand, I agreed to complete an I&E form. However, I recieved no such copy fot he account, so didn't complete the I&E form. Last week, I started missing phone calls from them again.

No, I have to say that I haven't. I thought that would be included as part of the SAR?