ive got a loan last week from hfc to pay off their other loans because we could nt shift the last two loans off fom them intrest kept overtaking the paments would that count but the intrest is 22.9% so they say but i am beginning to doubt this will print the figures on here if someone can work it out i trullyi have no idea how to work out intrest

not yet need some more info from ms i particularly want the information as to why they defaulted me during the ppi insurance payments and from the first day of my illness they told me to cut the card up so i did and the bill was 2899.63 when ppi finnished the bill was 3778.70 work that one out cause i cant i have asked for everything in my sar all i got was statements this is when i found out they had defaulted me the insurance co was a week late with two payments plus when he told me to cut the card up he also informed me it was a recorded conversation,and during the conversation he stated that they would wipe the debt clean...to date no recording has been delivered i wonder why

sorry its im a bloody jinx anythin i touch goes wrong changing my name to jonah yes nelly can you explain your issue please

dont burst me buble yet rae may lol not often you get chance to get one over that lot lol

i followed rorys advice and some others it all went back to ms and they have nt been in touch since mind you hfo were the ninth one from ms ..ive already told ms go an whistle for it of put me in court not heard anything since

sorry welcome to cag nelly dont worry just listen to the experts on here your troubles will melt away day by day good luck

i must be one of the lucky one i sent them a stinging letter some three months ago concerning morgan stanley,they have never been in touch since ...?

you did nt get caught up in the floods did angry cat we had them in 1990 the goverment then promised it would not affect our insurance low and behold we can only get it at three times the normal rate and house prices have hardly moved on paper they moved but the buyers usually get a warning this place was flooded so the price plumets by usually 3 years prior i feel sorry for anyone to go through that but be particularly careful of insurance claims they send in their loss adjusters if this is the case they work for them get your own and be ready for an imediate court action against them...hope you have nt gone through that though your doing well as it is with your battles keep going patrickq1

it would be worth your time to contact the moderators concerning this as you are probably entitled to damages for possibly negligence but i would post to bakfodder or anyone of the mods they are best for advice and they are very knowledgeble go to the home section and try their possibly a PRIVATE MESSAGE WILL DO GOOD LUCK MATE

dont let it drive you mad mugsy lol keep calm ,I think the FSA and the Finance Buddies must have had a cosy little agreement amongst themselves long before the proposal came to all of us,whatever happened to the last investigation in may was it when they were supposed to be looking for calrity then..i need some help later when i come back from my hospital appointment to work out what intrest rate i am being charges on a loan i took out some 8 days agao,they say it is 22.9% we had to borrow this money to clear some floating loan debts where the intrest and the bill never seemed to go down ,,,HFC need i say anymore see ya later all

the insurance is a [problem] i even got defaulted when the insurance was being paid by the insurance co ?

i hope she can do something positive but at least i think the phone calls will stop good for you maggie

thanks tom i think you know i strenuously object to having to sign any contract with the passing or processing of data i think this should be a seperate contract.... whilst your on here tom and uni someone needs a bit of help on a new thread ,i cant help cause i aint that clever and probably get them locked up knowing me lolhttp://www.consumeractiongroup.co.uk/forum/natwest-bank/110801-natwest-bank-cpr18-request.html

have a question THE DATA PROTECTION ACT....Have you ever heard the term THE REPUGNANT RULE where if you sign the banks mandate to process your data it is in contracdition of your rights because the the mandate you sign is an implied term with regards to the DPA ,ive been yoying with this all last night and it is a contradiction against your rights not to disclose data unless processed fairly and acurately also under this i have printed below can this also be used to force the banks to comply with your right for them to prove their charges and how they account for these figures etc If the data are incorrect but accurately record the information given to the data controller by the data subject or a third party, the Court may consider the requirements set out in the interpretation of the Fourth Data Protection Principle contained in paragraph 7 of Part II of Schedule I to the Act namely: • • • whether the data controller took reasonable steps to ensure that the data were correct, having regard to the purpose or purposes the data were obtained and further processed; and if the data subject has already notified the data controller of his view that the data are inaccurate, and whether the data indicate that fact. If the Court considers that these requirements have been complied with the Court may, as an alternative, order that the data be supplemented by a Court approved statement of the true facts. If the Court considers that any or all of the above requirements have not been complied with, the Court may make such order as it sees fit. If the data subject has suffered damage or damage and distress as a result of the data controller’s processing of inaccurate data, compensation may be awarded.

good morning uni your on the ball this morn

so that means without words spoken you could be on hundreds of points indicating a bad or troublesome payer etc: surely experium and the like cannot have access to any of this whilst you have not ever bounced or missed any type of payment ...

good result over there lol

well my credit score must be worth a couple of mil lol what about experiun and the likes do they have this info as well

im being ignorant here what is a payment mark is it like a points type of system kept for internal records or do experium and the likes have access to this mmm i wonder if they do would be really intrested to find out

do you expect the truth from lloyds read this http://website.lineone.net/~stufflloydstsb/bad.htm

just found this i did not realise just how bad lloyds were http://website.lineone.net/~stufflloydstsb/bad.htm

hi kenny is it pronounced kelt or tim ?

we all need a lf every now an then talk about endownments thats another story would nt even know where to begin with that one so i wont what a bunch of mugs we were in the 80s what a con mine is up next year has nt even made a third ggrrrr glad you had a lf moon at least you got a sense of humor lol nice to cheer someone up i deserve a medal for being so brave lol

sorry to disagree with you on this statement uni the reason for this is i would nt like to see politics being entered into the forum and would say 99,9% are doing their best whatever there political persuasion ,but what we need to do is insure that the OFT FSA (WELL NO NOT FSA)ICO TS and all other bodies of goverment to have a complete and thorough investigation into the finance industry and its associations..and force them to act with what we all want with TRANSPARENCY FAIRNESS AND HONESTY,but i think you would have to have someone like george galloway in the chair ,can you imagine him being in the chair ,i think he would jail the bankers lol

where can all this data be accessed mac any idea