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dipsylewis

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About dipsylewis

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  1. sounds promising, thank you for the information, I am trying to help a friend that has a joint loan with their ex wife but despite a court order saying they both have to pay, they won't split it, which I fully understand, however, trying to get a copy of the original loan documentation and the statements is a night mare
  2. thank you, I know it is long I am just struggling to work it all out, my brain doesn't function so well after my accident and the ton of paperwork they sent doesn't make any sense thanks
  3. Please be gentle I have been directed to here from another link so these are notes I had made whilst on that forum. ENTRY 1 I had an accident in May 2013, which resulted in my having to cease payments for some time with MBNA, they put me on 0% for the time, I then started to make payments as agreed and remain on 0% due to ill health I noted that they sent me a letter stating PPC had been cancelled dated after my accident, I didn't even know I had it, but started asking for further information, they initially said they could't tell me the date it was cancelled. months and months of going backwards and forwards, they have sent me all the communications associated with my account. they say the the PPC was cancelled on the 30/12/04 last payment for PPC was taken 22/12/04 I have looked at the system sheets for that date, no mention of a cancellation there are no more PPC payments taken though after 22/12/04 Surely they can't just cancel it and have no evidence? also the forms you sign to say you agree to T&C when taking out the Credit Card, (2003), is it a tick box to say I decline or a tick box to say I accept PPC? Does anyone have a form for this year and could tell me it would be helpful. Can MBNA just cancel this with no proof, why would they write to me after my accident in May 2013 to say it was cancelled if it was cancelled in December 2004? I am so confused did I even sign up for PPC, the wording on the T& C is all blurred, I have asked them the question, but they have not answered that particular question ([NOW SEEMS I DIDN'T EVEN SIGN FOR IT, BUT AWAITING THEIR RESPONSE) ENTRY 2 I am trying to work out if I had said "yes" on the application form - they took payments. B) why it stopped, and proof of how it was cancelled reason for this is I have an accident in on 1/05/13 and then I received a letter dated 17/05/13 to say the PPC had been cancelled Obviously if it had been wrongly cancelled and should have still been in force my payments would have been covered at time of my accident. If I had never agreed to PPC then the payments should never have been taken ENTRY 3 sorry if I am being confusing, the accident I had was a head injury and I know I am not clear at times so my apologies. I don't know if I signed to say yes or no to PPC, I can't make out the wording on the box of the application. They took the PPC but only for approx 15 months (2009/2010) I only started questioning it when I got a letter in May 2013 as the letter said PPC was cancelled and the account frozen because I was off work and therefore unable to pay, 0% fees/interesticon. They eventually told me after sending me all the statements, system data etc (FOCicon), that the PPC was cancelled on 30/12/10, however the system data doesn't show this. I know I can claim for the 18 months PPC (I doubt this will be much), however, what I am trying to find out is, a) did I actually apply for PPC (cant see the wording on the application - have asked them to clairfy) b) if I didn't what can be done about them taking the money c) if I did, surely they need to prove I made the request to cancel it I am trying to find out if a proportion of my balance should be written off due to ill health/no salary if the PPC was not cancelled correctly. I really don't know what I am doing, I did notice several £25 charges on my account also for late payments, about 9 I think, back to 2010/11, can I claim these ? are they worth chasing? The PPC payments are not big, so I am guessing I wouldn't get much back from them Any advise would be a great help thank you in advance ENTRY 4 update and even more confused finally got a blank form off them, as I couldn't read the wording on my own form as it was all blurred. Anyway as I haven't ticked the box that says "we strongly recommend.... blah blah blah", it would appear that PPC should never have been in force, yet there letters say it was for 21 months March 03 to Dec 04 I really don't know where I am going with this, but it does seem that some less than honest things have been going on.... any ideas on what to do? thanks in advance RESPONSE FROM USER you need to reclaim the PPC you need to reclaim the PENALTY charges. CISheet v101.xls using the above spreadsheet [twice] put their APR in cell d15 then ONE for PPC and one for PENALTY charges enter EVERY PPIicon payment individually on its date and the same for the charges on the second copy dx ENTRY 5 I have done two form one for the PPC charges and have done the Late payments bit I remember the 6.9% life of balance when I did a balance transfer, the seem to have then converted the interest to read Finance charge and not interest on the statements is that normal? I will need to ask them the APR prior to this, but have put in 18% for now - I have no idea what the APR was prior to the 6.9% of balance in 2009 after the balance transfer there were no charges apart from the "finance charge" If I didn't sign for PPC, which looks probably looking at the almost unreadable copy of my signature block they have sent, apart from the PPC charges + interest on this, should they be pay any compensation? the amount of the PPC and late charges + interest comes out just short of £700 Should I claim now, I have a 0% no fee arrangement to pay with them currently, or should I leave well alone, don't want them removing the 0% etc. A friend states that the rates fee charges etc were not published on the sign off sheets in 2003, but it appears to be on the rear of my signature block,they think because of the poor quality of the copy they sent, that my signature might have been scanned into the document - does anyone know if in 2003 they did or didn't include rates/fees etc on this form. Should they provide me with any more information? It was an internet application - not sure if that makes any difference. RESPONSE FROM USER WHICH LEAD ME TO NOW they'd still need a signed agreement me thinks. can I suggest you joint/read (This link was to here) sorry for all the questions.
  4. I have done one for the PPC charges and have done the Late payments bit I remember the 6.9% life of balance when I did a balance transfer, the seem to have then converted the interest to Finance charge and not interest. I will need to ask them the APR prior to this, but have put in 18% for now after it was a balance transfer there were no charges apart from the "finance charge" If I didn't sign for PPC, which looks probably, apart from the PPC charges + interest on this, should they be pay any compensation? the amount of the PPC and late charges + interest comes out just short of £700 Should I claim now, I have a 0% no fee arrangement to pay with them currently, or should I leave well alone, don't want them removing the 0% etc. A friend states that the rates fee charges etc were not published on the sign off sheets in 2003, but it appears to be on the rear of my signature block, they think because of the poor quality of the copy they sent, that my signature might have been scanned into the document - does anyone know if in 2003 they did or didn't include rates/fees etc on this form. Should they provide me with anymore information? It was an internet application - not sure if that makes any difference. sorry for all the questions.
  5. Hi sorry for being thick, but can you tell me what you mean by penalty charges? does this mean Late Payments? I don't know the APR that was in place prior to 2009, which it then went to 6.9% for life of balance, I guess I could ask them directly, good/bad idea? thanks
  6. update and even more confused finally got a blank form off them, as I couldn't read the wording on my own form as it was all blurred. Anyway as I haven't ticked the box that says "we strongly recommend.... blah blah blah", it would appear that PPC should never have been in force, yet there letters say it was for 21 months March 03 to Dec 04 I really don't know where I am going with this, but it does seem that some less than honest things have been going on.... any ideas on what to do? thanks in advance
  7. I agree they didn't force me to use it I applied on the telephone, they called me as were concerned with my o/d being so high and in use all the time I wasn't redundant when I applied, I had got in a mess due to having been redundant for 5 months with 2 kids and a house to run with no other income. I was back working when the loan was applied for.
  8. can anyone explain the process for proving irresponsible lending basically I have found myself in a mess I applied for a loan to clear some debt from when I was made redundant - which I did use it for but I also said I would clear my "big" overdraft, same bank same branch anyway they left the O/D there and I used it, and it remained, then I had an accident and couldn't pay, so I pay a token payment 0% interest are Natwest irresponsible for not having cleared the o/d as I had requested at the point of applying for the loan or is it a total long shot? thanks
  9. sorry if I am being confusing, the accident I had was a head injury and I know I am not clear at times so my apologies. I don't know if I signed to say yes or no to PPC, I can't make out the wording on the box of the application. They took the PPC but only for approx 15 months (2009/2010) I only started questioning it when I got a letter in May 2013 as the letter said PPC was cancelled and the account frozen because I was off work and therefore unable to pay, 0% fees/interest. They eventually told me after sending me all the statements, system data etc (FOC), that the PPC was cancelled on 30/12/10, however the system data doesn't show this. I know I can claim for the 18 months PPC (I doubt this will be much), however, what I am trying to find out is, a) did I actually apply for PPC (cant see the wording on the application - have asked them to clairfy) b) if I didn't what can be done about them taking the money c) if I did, surely they need to prove I made the request to cancel it I am trying to find out if a proportion of my balance should be written off due to ill health/no salary if the PPC was not cancelled correctly. I really don't know what I am doing, I did notice several £25 charges on my account also for late payments, about 9 I think, back to 2010/11, can I claim these ? are they worth chasing? The PPC payments are not big, so I am guessing I wouldn't get much back from them Any advise would be a great help thank you in advance
  10. Hi, please be gentle with me, if I am asking stupid questions. I had an accident in May 2013, which resulted in my having to cease payments for some time with MBNA, they put me on 0% for the time, I then started to make payments as agreed and remain on 0% due to ill health I noted that they sent me a letter stating PPC had been cancelled dated after my accident, I didn't even know I had it, but started asking for further information, they initially said they could't tell me the date months and months of going backwards and forwards, they have sent me all the communications associated with my account. the PPC was cancelled on the 30/12/04 last payment taken 22/12/04 I have looked at the system sheets for that date, no mention of a cancellation there are no more PPC payments taken though after 22/12/04 Surely they can't just cancel it and have no evidence? also the forms you sign to say you agree to T&C when taking out the Credit Card, (2003), is it a tick box to say I decline or a tick box to say I accept PPC? Does anyone have a form for this year and could tell me it would be helpful. Can MBNA just cancel this with no proof, why would they write to me after my accident in May 2013 to say it was cancelled if it was cancelled in December 2004? I am so confused did i sign up for PPC, the wording on the T& C is all blurred , I have asked them the question, but they have not answered that particular question thanks in advance
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