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Everything posted by nicho1120

  1. Mine was sold to Acenden. What de we have to do to see if we have charges to claim back ?? I haven't received a letter.
  2. received list of charges which are mostly £25 charges for letters sent. what should i send them now ???
  3. any chance you could me an idea of the letters that you sent
  4. when did you re-claim your charges?? i still have 1 1/2 years left to pay.
  5. cheers for that guys. Jake44 was you charges through Capital bank. Also I am still making repayments to Capital bank so dont want them to start being funny.
  6. I wonder if somebody can help me. I purchased a car on finance through Capital bank. I am 3 years into the repayments. I have had a couple of difficulties along the way with keeping up with the repayments. I have received charges some month of over £50. Do you think that I have a case for claiming back the charges. ????
  7. i am currently with Birmingham Midshires. I have received very similar charges to yourself. They calculate to about £550. I have a few concerns with claiming from my mortgage supplier. Will they close the account if it goes into arrears and what is the worst they can do ????
  8. Sorry Tonycee. Meant to ask how Libra007 was going on. Apoligises for that.
  9. whats the implications of still being with them and claiming? Are they likely to be funny again if you ever fall into arrears. Any news anyway Tonycee ???
  10. shouldnt you be sending the SAR to your broker then ???
  11. sterling gave me a breakdown on how they had arrived to the 40% figure. I am not sure whether it is worth going to the fos and complaining about the amount received.
  12. it was stated on the original agreement from london mortgage
  13. i am in a similar situation to yourself. I wrote to sterling to ask them to cancel the single premium policy that was taken out with my initial loan. they sent me a cheque for 40% of the single premium. I wrote a letter to them to ask how they had arrived at the figure and they sent me a breakdown of what costs were incurred e.t.c. I don't believe that 40 % is a fair amount considering that I will be paying this ppi for the duration of the loan with interest added. I am not sure really what to do now. I have written to the broker that set the loan up and asked for DPA. I don't believe that i w
  14. Can anybody please help me. I recently purchased a fridge/freezer for my mother from Currys. I paid for the item on my debit card and as far as that was concerned that was the end of the transaction. Since then I have had 3 payments taken via direct debit for £1.99 per month for there coverplan scheme. I have not agreed to this and have not signed anything to say that I would like it. Now at the end of the day it is only £1.99 but that isnt the point. My problem is that they have taken the coverplan scheme without me authorising the payments. What should be my next step. I have spoke to the ba
  15. I sent the CCA request as I had CL finance constantly on my back to pay the whole amount back. I wanted to see if they had the credit agreement. I didnt move address at all.
  16. I didnt receive any court papers whatsoever. They have said that the judgement was entered on the 31st October 2007. I didnt obviously reply as I didnt get anything to reply to. I sent the CCA request on the 6th November 2007 and didn't hear a thing from them.The debt is for £600 but I have calculated that with the statements that they have sent (quite a few missing) I have penalty charges of £210.
  17. Can somebody help me. I missed payments on my Debenhams card who then sold the debt onto CL Finance. I have made a couple of payments to them but was a little hit and miss (my fault) with payments. Tehy have no passed tis onto Howard Cohen solicitors who have took this to court for judgement. At this point I have written to CL Finance to request my CCA. I wrote this recorded delivery and have proof of delivery. I gave them the full course to give me this information but with no reply. I then got a letter from the solicitors to say that i needed to make a payment on the account. I wrote back to
  18. what about if this has gone to a DCA. Do I still write to GE money for my charges back?
  19. Just received my SAR from GE Money. About to write my first letter asking for my charges back. Firstly I have only received some of the statements and am missing a large chunck of them, what should i do about that. Do I assume I was charged in those months as well or just claim for the statements I do have? Also I havent seen many recent sucesses against GE money, has there been any and is it staright forward with them or do they go all the way to court?? Any info appreciated.
  20. Hi notty I read your thread with interest. I currently have loan with LMC. The ppi amount was £2528 with interest on the term of the loan at £2036. I am 2 years into the 10 year loan. I have wrote to Sterling to cancel the ppi. They have written back to say that the insurance is now cancelled and have sent a cheque for £755. They dont state anything in there terms with regards to what % will be given back as a refund. Do you think this is a fair amount. They have not reduced the loan repayments in anyway. What do you think ???
  21. o.k I have written to them and asked for a breakdown of the refund. I will return when i get a reply.
  22. i have cashed the cheque. was going to write back and to say that i accepted this as a partial refund and that i would like to see the workings out and how they have come to that figure. I am still waiting on the SAR information from the agent to press ahead with the misselling.
  23. anyone please help ,need to write back to Sterling but not sure what to put
  24. I wonder if anybody can help. I am 2 years into a 10 year loan with London Mortgage company. I got the loan through Loans.co.uk and am currently waiting for my SAR information with regards to mis selling. The loan was for £15,000 and had a single premium PPi. The ppi was for £2528 and interest of £2036. I have written to Sterling insurance with who the PPI is with and asked for the ppi to be cancelled. They have written back to say that the insurance is now cancelled and have included a cheque for £756. Therefore they have given me a refund of 29.9% of the total premium without interest.
  25. just wrote a letter basically saying that i wish to cancel the insurance policy with immediate effect and according to the recent report by the FSA i am entitled to a fair refund. I have asked for this to be either knocked off the outstanding balance or give me a cheque. I will not be accepting a new loan. is this o.k ????
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