hi all, although did not get a reply from this post i just hope someone could give me an advice ,i've been to court today for my application for re determination give my defence I&E and list of creditor on arrangement in place,explained to judge that i could only afford t pay 103/mon as part of my available funds distributed to each creditors, i also emphasize that whilst NatWest is not accepting my payment offer i still continue to pay even prior&after CCJ and perhaps at higher rate in future, also its unfair to put a CO whilst other creditors is accepted my offer without any unnecessary condition. shoosmith rep acting on behalf of natwesr emphasize that the amount i am paying does not even cover the interest of 170/mon in this ccj and will increase my debt more, anyway the judge said it will take me 20 years to pay therfore forthwith payment granted. i said i could only afford what my offer is ,he said i just continue to pay the amount i could afford but NatWest has the right to apply for CO in my property.after the hearing the shootsmith rep told me that if they apply for co it does not mean that they wiil force me to sell the house ,told him that they can not get money eventhough i sell my house because of negative equity, he said if co granted it will be better for me coz i could request to freeze int and it will save me money . is that true? any idea what will happen next? iam thinking of going bunkrupt(total debt over 80thou) but my heart is breaking when my 9 year old daugther crying thinking that we will lose our house. thanks for any advice

another thing as far as i remember i just telphone natwest to add my husbands name in my account and make it a joint account. can he cca/sar natwest.is it possible that if there is no sign agreement of him in this bank account can he dispute this acct. thanks

hi to all, would like to get some advice ,already posted this but with my ppi thread. sorry for this long history of my NatWest problem. i took a 25k loan in NatWest in 2005 in my name , went into dmp nov last year, acquired 2k o/d in our joint a/c as NatWest use this to pay my loan.shhotsmith on behalf of NatWest applied for ccj and added my loan and o/d ,court ask me to pay NatWest 26,110k or 55o/month otherwise CO in my property. i Apply for re determination and i am due for a hearing on june24. i continue to make a small payment since my dmp started and as i previously offered amount that i could really afford now there is anoter DCA called intrum justicia who are pestering/yhreatening home visit then court to my husband ask him to pay our 2k o/d where in fact this amount is already a court case but in my name.is there anything i can do with this? any help and advice on what defence i could present to court ,i already fill in my expenditure/priority debt as well as the small payment made to other creditor which they alredy accept.. i dont have equity in my house and as i read this site somebody said that it is also unfair for other creditor to put a co in a property. i am getting more anxious everyday thinking about my hearing is coming near, i should also cca NatWest first before this ccj since i took this loan to pay the old with large ppi. thank you all ,any advice is very much appreciated.

hello to all, i would like to get some advise does any one know if it is possible to claim for a refund of ppi in a secured loan.i had 2 secured loan in halifax with ppi i thought it is a part of a loan that i have to take ,the loan has been repaid early but i never get a settlement figure/letters for it.:o my other question is: i dont have anymore details of 1 of those loans ,i believe if you request for SAR you have to put the accoutn number/details of the account .what will i do? thank you very much.

thank you ,i will prepare all necessary docs for my reclaim;)

hello to all, thanks again as i read this site many question came out into my mind although many was answered by great advise but as i learned a lot of info at the same time further more question was added as well. i already received my lovely CAG sticker and started to prepare my letter and as i dig into my bank statement i noticed that i have a few unlawful charges in my bank account and this particular loan was originally taken with ppi i pay 460/month then i cancelled it after a few months and then i pay 360/m since.beacuse my hearing is very near i just wait then reclaim .i have a few more questions/clarification regarding reclaiming: 1. if you request for S.A.R - (Subject Access Request) is that automatically give you the statement/info on all the accounts that you have with them including credit card ,loans,ppi,secured loans etc? 2. i should'nt put my signature on the request on both SAR &CCA or just on CCA? 3. when i get SAR DO i have to speciy to the bank all the particulars/amount that i am reclaiming? 4.i had 2 secured loan with ppi that i settled early can i reclaim?i did not get a settlement figures. 5.since i am on dmp many of my debt has been tranferred to dca ,who will i contact for CCA and SAr. thanks again

thank you very weary. i started with kensinton because i realy dont know how to start and how to handle the situation i feel that i need full assistance in this matter, but as im reading this site i feel much confidence in dealing my dmp i am going to transfer my dmp to cccs i'm just waiting for this hearing to finish because i am not sure how easy or difficult to transfer my dmp and i dont want further stress at this time.thanks very much to you and slick 132.

ccj was made on the 18th of april and the court was asking us to pay nearly 600/month starting may 18th if not enforcement proceedings may be taken and a charging order may be applied. i applied for application for suspension of a warrant and/or variation of an order(n245) together with my expenditures and disposable money left also attached a letter to shhotsmith of our payment offer .but we actually continuosly made a monthly payment of 120 pounds eventhough they rejected our offer.receive a letter from the court that they are transferring our case in our local court and further into that we received a letter of hearing dated 31st of may that a hearing was set on 24th of june regarding my application for redetermination..

hi , i 'm very greatful for all the advise in this site,i am so worried about my hearing it's just i dont know what else i can .do i've been reading this site to get some enlightening advise for the last couple of days and to see where i can start.my dmp is with kensington they assisted me and advise me on what to do but i feel that i could still do more after reading this site.to start with your questions regarding my situation. my original personal loan with ppi in NatWest was taken sometime in 2004 i could not realy remember amounting to 15,000 and i repaid that loan and took 25,000 loan without ppi last 2006 to help my father hospital bill in the country where he live. before i went into dmp i dont have any arrears in any of my debt even in this loan but i've been robbing peter to pay paul and use credit card to live so me and my husband decided to go into dmp and that is the only time we started to have arrears in all our debt NatWest obtained a ccj for this loan and they added my overdraft totalling 25,600 and the court was asking us 600 pounds monthly payment which we could'nt afford i applied for redetermination and submitted a copy of all our debts and expeditures and make an offer of 120 pound that we could only afford to pay ,our case was transferred into our local court and we have a hearing on the 24th of june because of that i really have a sleepless night but in reading this site i was a little bit ease in my burden and having a little hope that somehow the court will grant my application. i could'nt also remember if our joint account has had an unlawful charges since im always within my aggreed o/d and i makesure that i have enough money for d/d. the only thing i could think is to reclaim for ppi. i am a homeowner but i dont have equity in my house because of secured loan (my mortgage is only in my name). shootsmith is acting on behalf of NatWest they add my loan(only in my name) and o/d in our joint account and applied ccj but only in my name on the otherhand intrum justicia was claiming the o/d in our joint account but only in my husband name so me and my husband are dealing with different dca but for the same account (our joint bank account).thank you all for great advise.

hi all, i would like to ask some advise, i'm on dmp and some of my creditors already accepted minimum payment what will be the impact if i request for S.A.R - (Subject Access Request) and cca to reclaim charges and ppi? another question is : i have a loan in NatWest and they already applied fro ccj and charging order my hearing was set on june 24 this particular loan (without ppi )i took to repaid the old loan with ppi can i still claim? even to pay the refund to the amount i owed. any help and advise is very much appreciated.thank you

sorry for this mistake but you sound a bit sarcastic in your rply anyway i've been reading this site for a long time and stopped for a while but just started to post as carried away on the posted thread so i reply instead. than ks and i will post my own

i would love to but i dont have anymore time to do it as my hearing is on the 24thh of june that is for a chrging order i dont know if i will do this what will happen? but i am sure on my initial loan there is a ppi added and i reloan to pay the old loan and to get an extra but without ppi.thanks

but majority of my creditors already accepted my offer except natwest who are demanding full payment and giving a lot of stress i just wait until my hearing and see where will i go.any advise is very much appreciated.thank you

yes ,fixed monthly charge . but i am planning to transfer to cccs or payplan but since i've been receiving left and right letters and phone call i decided to stay as i dont want to go into more trouble of transferring my dmp at this time although kensington is very helpful. but we are getting a hardtime with my natwest loan as they already applied for ccj and charging order we have a hearing set on june24 .

hi, i have the same problem with gass im on dmp with kensington for 7 mos now but still some of the creditors is continously putting charges in my account but before my dmp i cant remember if ihave charges in my account as i tried to be up to date with my payments but some of my loans and credit card has a ppi on the initial year it was opened and i am not sure if there is a valid cca.do i have to informkensington of my plan to reclaim?does it affect the arrangement payment made with my creditors. i been reading this site for a while but still dont know where to start.thanks and more power.

thanks a lot this is a great help.keep you updated

hi all, hi sorry !posted this already as a reply on one of the thread anyway my friend asking some help. my friend took a loan from halifax with ppi after a couple of months she decided to cancel the ppi as she got a cheap one but haliofax refused to cancel it and advise her tha if they will cancel it they have to cancel the loan as well and apply for another one but they can not give the same int rate and her monthly payment might be higher than previous any help and advise is very much appreciated. thank you .

hi all, my friend took a loan from halifax with ppi after a couple of months she decided to cancel as she got a cheap one but haliofax refused to cancel it and advise her tha if they will cancel it they have to cancel the loan as well and apply another one but they can not give the same rate and her monthly payment might be higher than previous any help and advise is very much appreciated. thank you .

yes, and i am due for a hearing on charging order into my property. many thanks

yes ccj from natwest on that particular loan. thanks again

hi, sorry ! what sec77 means? as i started reading the thread again after a long time i am now in a lot of trouble regarding my debt i am on dmp, one of this is my natwest loan and overdraft they already applied for a ccj and a charging order i am due for a hearing on june 24. i took a loan in natwest can't remember when with ppi and took another loan sometime in 2006 to repay the old but i refused the ppi can i still claim for that ppi of the original loan? what will happen if i apply for a claim and i am already on ccj? many thanks for any advice.