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bob 3456

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Everything posted by bob 3456

  1. HI Thanks all, ive done the online request and i`ll see what happens.
  2. Hi Thanks for the reply but we don`t intend sending a PPI questionaire until we have a SAR . She had forgotten all about this account opened in the late 1980`s and still active in £2.00 credit. according to a letter she received from Barclays recently . Is the address we sent to the correct address for a DSAR request??? Also is it worthwhile sending the SAR (if i dont can she get a PO refunded at the post office)as i dont think shes used the card since around 2000 but she doesnt know whether PPI was on it. I suspect there most likely was . Thanks
  3. Hi , Im helping my mother deal with an old Barclaycard. We sent a SAR request a week ago to this address: The data Controller , Barclays Bank Plc One Churchill Place London E14 5 HP. She today received the letter back, with a Royal Mail sticker on with `refused box ticked`. Is that the wrong address or are they being obstructive???? Any advice appreciated, Thanks
  4. You said you paid off the card in 2011 but you have lots of entries right up to april this year??
  5. Hi Regarding the interest rate ,i brought this up with a FOS adjudicator in regards to a different sub prime lender. Ours states 11% var. on our original agreement but it has never changed in 10 years . The FOS say it is 11% and will remain 11% , i don`t understand this at all and question if these adjudicators know what they are talking about? Our balance is the same as when we started the loan (capital repayment loan) and interest charged has barely changed over the years .
  6. Thanks Caro i read that earlier :-)but cant seem to find anything aimed at the consumers and what it means from our point of view.
  7. Thanks but what about the responsibility between SPML and SPPL as i see it they are the same compmapny even if SPPL are supposedly in adminsteration under Price Waterhouse Coopers.
  8. Hi Id like to keep this separate from my other threads, but i`ve been constantly told by Acenden acting on behalf of Eurosail that they cant do anything as regards charges (or anything else) on our account before Nov 2010 when they supposed took ownership of our loan from Southern Pacific mortgage limited (also known as London Mortgage company , Southern Pacific Personal Loans ,etc......). I was furious when also told this by an FOS adjudicator as well . How can this be ? Southern Pacific Personal Loans Limited are supposedly in insolvency with an address in Leeds, but Southern P
  9. Anyone help ,some one must be able to advise on the benefits of not of being under MCOB rules???
  10. today we received a letter from Eurosail saying that our second charge secured loan will from 21st March 2016 change from being regulated by the CCA1974 and the FCA Conc rules to the FCA MCOB rules . Is this a good or bad thing ?? It does say that they now have to apply any payments we make to any missed Contractual monthly payments NOT to anyway else. Thanks
  11. I specifically told her that if they ring to just tell them to contact me as i am the one dealing with it and then put the phone down. But shes too polite ! We have put in a formal complaint to Lloyds ,also telling them that we want anything that was discussed or said to be disregarded as she is not capable of answering the questions. We asked for this to be confirmed in writing. And they have also just sent a letter today still claiming that the card which is the subject of this thread doesnt appear to have had any PPI attached to it. and so they have closed the case. I g
  12. I put in a further questionaire concerning an earlier loan PPI to LLoyds on behalf of my mother . We filled in the form giving me permission to deal with the claim. Do LLoyds have any right to ring my mother and ask for loads of details , when she can hardly remember what she did yesterday. Surely if its put down on the form that i am complaining on her behalf then surely any correspondance should be made with me??? She is not capable of complaining on her own. She was on the phone for 1/2 hour and can`t hardly remember what she told them or what they a
  13. Hi DX, Im having an awful time with the FOS trying to get them to understand what i`m claiming here. One of their advisors has split the case into two different ones one for the card and one for the loan. They keep sending emails saying as there is no evidence of PPI on the loan we might not be able to help. Ive sent all the details about the situation, taking advantage of my mother , ,etc... Leaving her with no money... spreadsheets for the card PPI carried into the loan but they dont seem to understand what im talking about. I really dont want to mess this up. Thanks
  14. Hi Ell-enn anything yet?? Could anyone else please state whether or not if a loan has supposedly changed ownership , are the new owners liable for the whole agreement up to the present date . ie in regards to any actions on the account from the start ,fees /charges , legal fees/action ??? Or can they claim that anything that happened before they took over has nothing to do with them?? Thanks
  15. Hi Ell-enn thanks. What they are now doing is downright unlawful, they are intent on the raising arrears balance back up in any devious way they can(after removing over £2000 in fees shortly before the court action in Dec 2015) and the capital balance is the same as it was when we took out the loan in 2006. There is no way this can be paid off in the 5 years 8 months remaining on the loan.
  16. Hi Citizen B, Ive complained to them (FOS) and have a reference number ,but unsure if they are even taking the case on. ive sent them around 100 pages of stuff so far . Acenden are still doing stuff like adding (not deducting) our full monthly payment on to the arrears balance and the interest we should pay out of it adding that onto the capital balance probably in the hope that we havent noticed before the next statement is due . This is illegal as far as i`m aware. The court case was adjourned by them almost on the same day it was issued and they were granted liberty to resto
  17. Hi. Ell-enn are you around , we received a letter today from Acenden, i response to our on going complaint . As stated earlier in this thread , Acenden helped themselves to £120 of our monthly payment in November 2015 shortly before court action (their excuse was we paid 5 days early) ,they applied this amount to their so called default fee account. I was under assumption that according to the FCA monthly payments must be applied to any payment shortfall before addressing any arrears fees or charges??? In a complaint about this Acenden said they could retur
  18. Should a statute barred letter just be the standard letter template i found on here or should it include details of why it it statute barred i.e the earlier period from 2001 - 2008?? Thanks
  19. On a side note my mother was retired from 2005 onwards ,so for 5 years of the 8- 9years she had this card PPI ,she wasn`t even working!Before that she had generous sick pay from employers.
  20. Anyone?? I need to get this sent off. Is the Fos running sheet correct or not ? dates wise?? Thankyou
  21. Sorry now im totally lost ,there is no claim to date on the running sheet and i dont understand what im supposed to change? Thanks
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