Hi all Mate just paid the last instalment to her 5 year unsecured personal loan with Clydesdale Bank and was a happy chappy...until she received her first ever statement for the loan which showed almost £2K allocated for PPI. Being completely computer illiterate (yes we point and laugh at her at times lol), she knew for a fact she refused it and came to me as she has heard me bang on about the CAG Basically, her and her husband (joint loan) consolidated a card and loan with this loan and the advisor did try the PPI sales pitch. Friend flatly refused as she was self employed and husband (first named on policy) worked for local government which gave more than enough cover for sickness/accident/death as a benefit - they also operate a no redundancies policy. They remember going through all this, getting the agreement slid across the desk, they signed and that was that. Now she is fuming, but fighting it. Full SAR sent and they supplied only 2 and a half years statements for the loan...but here's the strange thing, and input appreciated! For the first 34 payment on the loan the full monthly instalment of £234 was deducted from their bank a/c....but only approx £175 (rises slightly month to month)was being paid to the loan a/c Then on the 35th month, the full £234 leaves the bank a/c every month and goes straight to the laon a/c until it hits zero. My guess is that the missing amount from the first 34 payments will add up to the full PPI cost, meaning that they only paid the PPI over 34 months but were charged interest over the full 60? Until she gets the rest of that statement we have no idea but: does this mean anything to anyone, or am I barking up the totally wrong tree? (I will also add that between their scanned copy of the CCA and her original - the signatures are VERY different...and her copy is down as unsecured and their copy has the secured box ticked?! Something is going on!) Thanks again

Hiya Baba484 My first guesss is that you got some untrained monkey that told you a big fib! Just started a fight for my mate who found out she had insurance that she specifically refused, and only discovered this when her first ever statement came after paying the last instalment. The insurance was added to the cost of the loan and interest charged over the full term - most are done that way, you are right...so if you cancel now you are entitled to a partial rebate of the premium and that extra interest. I note you said you had to go and ask if you had insurance - were you not aware already, or was it just one of those things you cannot remember lol? Other thing is to ensure that you are actually able to claim on the policy - ie, have you been paying for something useless anyway? I would start by sending a CCA request, get a copy of your agreement and see how much you paid, what the figures are etc

I laughed when I seen the length of that list until I started to check off the ones I have dealt with also, more than I realised! I currently have the pleasure of Cabot, Droyds, Lewis, reliable & Cohens. The OFT should take a random cross section of a/c's and follow their journey from DCA to DCA and see just how often their 'guidelines' are followed and ridiculous and widespread this is.

I know lol! Dying to know if they even turned up

Hi Postggj I have a cold beer on no-one turning up today. Still here, and fighting (quietly ). Life has been a bit 'radio rental' for a while now so cannot get n too much, and am researching as much as poss for my fight. Also got goings on with RBS, along the same lines as a certain Paul Walton (eager for his update also!) Avoiding the essentials today, doign some cagging, get my fix lol. Just wondering, 6 months till their times up again...I wonder just how many dodgy records/proof can be lost in that time, alledgedly! (accusation? don't know what you're on about 'gov, no paperwork here about that )

Nope, Finlander is taking a very brave first step for the benefit of all of us. He posted blow by blow at first but did warn that when things reached a certain stage (litigation) he would have to stay off the public forum and just let us know what the outcome is. It was getting to that stage, we just have to bite our nails and wait for word! Can't wait, I think he had a great case

Glad to have you back! Done the splitting up thing myself too recently....is it a full moon or something? Hope you're ok Cagger rrfcfan is in court with them today, asked for a disclosure of full PPI docs ages ago and they still haven't supplied them (shock lol), so bets are on they don't turn up today My signature also seems to have disappeared!

Hi Sol They're a laugh ain't they. I asked Cohens if Lewis Group actually instructed them to prepare court papers or if they just used a template letter to threaten me and apparently they have now closed their file....tut, is that all the fight I'm gonna get lol Lewis Group tell me they are closing their file also. Oh really? I ain't letting them off that easy.

Judge has been more than patient sor far with them, what kind of possible excuse could they give for not being able to supply the docs this time?! Best of luck for tomorrow rrfcfan, fingers crossed things go well for you. Dipply

Subbing

Postggj, how about starting another thread explaining the situation now and getting as many folk as poss to submit official complaints to the OFT and the FSA....keep piling the pressure? The regulators will not be able to ignore the amount and the seriousness of the issues we could get logged for long. Every single one needs to be logged and deserves to be.

I think a concerted effort now to make as many of the dodgy ppi, agreements and scams public and tied up in complaints/litigation as poss - for as long as poss.

lol, of course.If Welcome go under the first round is on me I've had a special bottle sitting for years now and this occasion is well worth popping it for! Dipply

Unsure, I think if they are only collecting on behalf of WF, ie not bought the debt then no, but am checking that for myself also...but WF should have informed you they were passing the account on (didn't tell me either lol) If you would like their general e-mail addresses to bombard them, just leme know, judging by the sniffy responses I got they really don't like that Have Cohens done the whole 'we are preparing court papers' malarkey?

evening all, busy tonight lol! At the moment I am picking a fight with Lewis Group and Howard Cohen Solicitors...am doing my utmost to pee them off Had an e-mail from Howard Cohen, then after 4 weeks of constantly asking, I received an e-mail from the Lewis Group, the same person who e-mailed me from cohens? How thick to they think we are? Lewis Group actually refusing to lodge my formal complaint about them or send me their complaints procedure! We'll see about that, I am gonna HOUND them now hehe As for an announcement...the champers I danced a jig round the kitchen with once before when I thought they had sunk is now back out chilling, cannot wait to see them crumble :D:D Post, Andie, everyone, I hope their demise is spread very publicly over a few days, let you savour it

That will keep me amused tonight lol, thankyou for that RBS have issued me with a Dn that was part my a/c and part someone elses. They then issued another - aparently correct one - which I still think is wrong. All this without a CCA. I have a recorded phone call with me telling them it is still wrong and their exact words were - it'll just be a typo, we will still proceed....so need to learn all about this now! Thanks again Dipply

Hi 42 man, this is gold dust and exactly what I need right now. Did this come from a caggers thread that I can read up on? Many Thanks!

I didn't think they would be this stupid but I am an optimist lol. Letter received this morning, dated 13th July, stating that I have failed to comply with the recent default notice and they are now demanding the full loan by 21st July or my a/c's will close and go to debt collectors etc, default me. I call and the recorded conversation goes: Me: You have sent this letter but you are still working on the dates of the original wrong default RBS: Nope, its probably just a typo, you have until the 23rd July, please lets arrange a payment to this. Me: Not making payments as you could not supply credit agreement, are you still going to default me on these dates? RBS: I know we cannot supply the agreement, that is a seperate matter (), if you want to look into that best of luck to you, but as far as this dept is concerned, you need to arrange a payment or we will continue the default procedure. Me: So RBS being unable to provide the CCA make absolutely no difference to this situation? RBS: I am not saying that, I am just saying its a shame to be defaulted and have your credit file affected for 6 years for this. Thats not a threat, just pointing out the facts. If you are not making an arrangment today I am ending this call. Me: Ok, bye So, I know have me recorded telling them AGAIN that their paperwork is wrong and they are doing things too early. If they are determined to continue and default me even though they've done it all wrongly, fine. I have warned them. And the lack of CCA is a seperate issue? Hmmm, that phone call going to the OFT, FOS etc. So as far as RBS are concerned, the Consumer Credit Act doesn't apply to them. Letter going off today. If I post up the latest default notice, can someone look it over please, I think the dates are wrong again, should there not be 2 days allowed for service? Thanks all

Hi all Well, after phoning thr FOS to tell them they are trying to default me for aomeone elses account (dodgy DN), Customer Relations phoned me, all apologies, refunded 2 charges applied wrongly and paid my phone call costs and some compensation. Apologised no end and blamed it on human error - glossed over the vindictive staff I have recorded threatening me, but I will bring that up again for my overall complaint about them. She then went into a big discussion about me starting to pay this loan again, time is a factor as a new default notice was issued, my accounts might go to their Credit Management Services (she implied this would be bad for me ). Next day I receive a letter about my claim for charges under the OFT test case and my claim for Hardship (eh?)..wanting me to fill in a full I&E and they would have to reduce my a/c, cancel my maestro card etc. Apparently as I am not paing my loan I am claiming hardship lol. Aha...with the behaviour of their staff (they are making it virtually impossible to discuss normal daily banking with them) and now trying to push me a/c down, canx my switch...they are trying to make me go away. (silly silly niaive RBS ) Everytime I ask why the bank considers the non compliance with my CCA requets to make no difference to anything they ignore me. Ask why they are just carrying on as normal, defaulting etc, does the lack of agreement make any difference to them? Ignored me. Basically I am gathering proof they are trying to make it difficult to continue my account with them for exercising a legal right. The lack of CCA make NO difference to them at all except that they cannot take court action. But is a DN not a pre-cursor to court action? So I was thinking of paying them £1 per month (for now ), as they keep saying they can prove I have had the funds, yes, but I keep saying there is no legal agreement stating payment terms, amounts, agreeing to be defaulted for non payment etc. And I think the new DN is wrong also lol

Sorry for not posting to you sooner, been up to my eyeballs lately! Will read your post and see if theres any advice I can offer, but you seem to be doing fine

Hi Nosila Before thinking about entering into any bankruptcy, please find out what the EXACT financial position is...not what the untrained monkeys at Welcome are telling you. We can help you get a handle on this and take if from there. If there are ohter debts yu are worried about on top and you think a Trust Deed will help, I used to work with them so let me know if I can help, but please find out what the real story is before taking a serious action like that just for those scumbags.

Hi Guys They are still at it...friend just started receiving phone calls - no letters - from a cheeky get demanding payment for a credit card she doesn't remember and he told her the last 'movement' on the account was 2001. Still tried to bully payment from her, will do up the right letters for her but everyone please continue to report them. Their consumer credit licence is due to expire in about 6 months - time for us to complain to the OFT big time! Current Applicant / Licensee: Business NameCompany Registration Number Capquest Debt Recovery Limited03772278 Issued Date: 30-Oct-1999 Expiry Date: 06-Jan-2010

Best of luck Paul, you have earned this...enjoy making them squirm. Hope you are able to divulge some of the discussion later

Well I do not think it gives us special privileges, but I do think we are now even more entitled to our basic rights and we should not still be having to fight tooth and nail for them. Not now the Cag is here! I believe there are many ways they could help without defaulting me, marking my credit file for 6 years etc, when all I asked for was to be a bit late with 2 months payments - as I have a job lined up (god willing!) I agree there are procedures to be followed, that is my problem - they aint! They are making it up as they go along and the fate of your accounts and your credit file is entirely up to the 'mood' and level of training of the advisor you get. And I will also point out to everyone I have never once refused to pay. I will be paying this again once I actually can, but as far as I am concerned no CCA just now - no agreed payments. They are all big and mighty when they are quoting rules and laws at you to charge you, make you pay, make demands. Well shoes on the other foot, I am quoting the rules and laws - lets see if they behave Thanks for the reply btw rickyd, the debates throw up lots of good info usually. And they hit me with the same crap Spartathisis, before they realised I was recording

Very simply...you want a copy of that document...and lets see what vague and completely useless bit of paper they send....it wont cover their obligations