Hi sidewinder Thanks for reply. I'm concerned about how it's affecting my credit rating.

Hi I defaulted on an overdraft with Halifax about 4 years ago, the account kept going round in circles with Halifax charging me for going overdrawn which was putting me back to be being overdrawn or no access to funds. I tried to fight them on it, but they were not budging and i got tired. I stopped using that account and got a new current account and have never looked back. However, Halifax have never contacted me about the debt, I have moved twice since and looking at my credit file it seems they have sold the debt to Cabot and has my current address. Cabot have never contacted me either, no emails or letters. I was thinking of sending a SAR to halifax to see what charges have been added on, what correspondence they think they have sent and the balance when it was sold to Cabot. Before I do that though, i wanted to ask if anyone else had any better ideas of what my stance should be. Thank you in advance

Oh how long winded! Its taken them ages to send what they have lol. Will see what I have at dads and if I have thrown everything away then will send a failed SAR

hmmm...I used to save everything, will hunt through things at my dads this weekend and see what I can dig up

The Loan was from LloydsTSB, I recently got all ,my data from them I have all my statements from Lloyds TSB which is where I have got all the dates and amounts from, I also have all my credit card statements. Going through the documents they have not provided my loan agreements from 2001, only the one from 2003 and 2006. My Credit card application in 2000 I have ticked I do not wish to protect my payments, can't see any transcripts that say I asked for it to be added...although just checking and they have only sent me credit card statements from end of 2011. I've had my LloydsTSB account since 1996, surely they should have sent everything since then?

I am finally starting with my PPI claims, starting with Lloyds TSB, its not a huge amount, but every penny counts right. The payments are from as far back as 2001, on my bank statements there are payments to Pinnacle Insurance but I can't remember what this is for, I am sure its for a loan, does anyone recognise what this might be for? On my credit card I was paying Cardholder Protection Plan, the amount that was paid varied according to the balance, so I am not sure how I calculate the interest, can anyone help on this? I have attached my spreadsheet V LloydsTSB PPI.xls

Ok Will do

Brilliant Thank you. Will get this process going as soon as possible and keep you posted

WellI think I had PPi with every loan or credit card I had.I had a graduate loan with Natwest and LLoysdTSB and don't remember even being told what a PPI is.Same with my credit cards with LloydsTSB, Natwest, Egg and Barclaycard.Do I need to write to all these companies and I suppose I have to find all my account numbers too?

Hi AllI think I maybe eligible to claim back PPI, but how many years back can we claim for?Where do I start, I can't seem to find my way around to get a definetive 'this is what you need to do' page Vaishali

haven't updated this post for a while, had a lot of problems so not been able to get on to it. I received my credit agreeement from Egg, will get it scanned in for review. Its really long though. Has anyone been successful doing this?

Well I sent the letter to Egg on 29/12/2009 and still no response and I have been getting my post as usual. I also wrote to Natwest and started a new thread in Natwest http://www.consumeractiongroup.co.uk/forum/natwest-bank/241603-natwest-requst-cca.html#post2694456 If you could please have a look and let me know any advise you may have on that issue

Not sure what I am supposed to do now? Any advise from anyone?

Hello I recently wrote to Natwest to request my CCA for Loan I had taken out a while back. But I got a letter back from them saying that are unable to action it at present and want me to send the letter back to them SIGNED, and also to take my passport or driving license into a Natwest branch and get them to fax it to the office to verifiy the signature!!! This can't be right!? The thing is they have all documents in my maiden and I am now married.

In that case I should sign it as a test, since I am married now and my signature has changed... Ok i won't sign it ;}

Thank you, just out of curosity, why shouldn't I sign it?

Hello all I am going to start seeing if my Egg credit card and natwest Loan are legal since I tool them out before April 2004. Am I write in saying that my first step would be to request a copy of my agreement using the letter below? The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Date Dear Sir/Madam Re:− Account/Reference Number 1234567890 With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned. I understand a copy of our credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you. Yours faithfully Mr A N Other

Oh yeah I forgot to mention all that. Would be great if we could get some guidance on claiming ourselves. All the letters etc on here helped me loads when I claimed my bank charges. Also gives you a little confidence that you won't end up blacklisted somewhere or get laughed at...

Hello I was just wondering if anyone had any solid information on this new phenomen of credit card debt taken before 2007 being challenged and refunded or cancelled. A firm in Manchester called Cartel Client seem to have it sussed but you have to pay them £500 up front. Was wondering if we could do it ourselves Any factual info would be great Vaishali

I went through put my claim through the small claims court, on which they acknowledged and offered me half the money. I wrote back to them and accpeted the half but made it clear that I would continue with court action for the full amount. They then offered me the full amount. Stick with it and stick with the time scales too, they will pay up!

HI I have successfully claimed against FD, recieved a cheque for £3,249.71, back in Oct, now helping my brother do his claims!! Thank you to everyone for all their help

I also have a debt management plan and FD offered that the money would go towards my debt, but i have written back to them sayin that I will only acknowledge any payment if it is made via cheque to myself. They are basically just giving the money back to themselves if they put it towards your debt, and its partly their fault your in debt!

Thank you for your reply. i was thinking back to the LBA letter i sent at the begining of all this. FD have put a default on my credit rating, so I can also put a condition on that being removed has anyone been successful in doing that? Also how do i refuse the confidentiality agreement?

Thank you for your reply. i was thinking back to the LBA letter i sent at the begining of all this. FD have put a default on my credit rating, so I can also put a condition on that being removed has anyone been successful in doing that? Also how do i refuse the confidentiality agreement?

:-| Hi Guys After the first letter of settlement from FD offering me half the money, I wrote back to them saying that I would accept half but persue the rest, and that i would only acknowldge any payment if it was made by cheque to me (they were offerign to put it towards clearing my debt). Got 2nd letter of settlement from FD offering me the full amount. But they have cheekly said that if i accept they will credit my account. I don't have an account with them anymore!!! So just need some quick advise on my response. I have put so far the following: I respectfully accept your offer of settlement of £3249.71 on the condition that the payment is made to myself via cheque I will accept the sum offered as full settlement and on the clear understanding that full amount is paid via a cheque made out to Vaishali Patel otherwise I will pursue recovery with the County Court claim as issued. I will not acknowledge any payment unless is made as stated via a cheque. I trust this clarifies my position. Is this ok?? Thank you