posted on your thread, what the sam hill are they playing at?!!

Zaidey, just seen your post on the main Welcome thread. OMG! Whats happening? As far as I'm concerned you should be calling the police, will report your post for some help.....

Aaah, got you. Is the solicitors Howard Cohens by any chance? Very interesting, so what happened to the 1st loan in their system then, hmm. Can you remember, or have a bank statement showing how much in actual cash you did receive from the secured loan?

OK, fair enough to agree to it being secured to get the loan but they still have to give you 7 days cooling off period by law, Daft question but when you paid off the original car loan, was it HP did you then keep the car? (ie not have to hand it back or anything?) Not trying to be nosey, just to see exactly what they've done to you

Oh, good point. It was tax credits and they are paid BACS...thank you

Hey guys....secured loan...should this not have had the 7 day cooling off period?

They charged you 6K interest on a 7K loan?! WTF! A few things need answering...why they required to secure a 7K loan, why it is listed as full cash advance when it obviously wasn't, and the figures don't seem to add up for me (but I ain't great at that lol) You really need a bank statement showing how much cash advance you actually received then... also THEIR statement showing the starting balances etc as this will show what the £7k really did and their 'Statement of Price' which will shwo you their breakdown of your payments. You also need a statement showing the original car loan being cleared. Also request a copy of the security to prove they HAD a legal charge on your home (then) and see if they had any claim to money from the sale of the property....

Don't you do that!!!!! I nearly jumped off my chair in shock there! Maybe they're having to organise a whip round for the postage?

Well their arrogance knows no bounds. After them trying to hold my benefits to ransom and them eventaully agreeing this encashment, I called Thursday morning as instructed only to be told I could not get any money until Friday! Oh, its our systems, we have to be sure the payment has 'cleared' so there is an extra delay. I explained I was told to phone Thurs, I have 3 children and now no money. Phone monkey says it's not his problem and nothing he can do....refuses to let me speak to a manager and tries to stone wall me. I tell him I am recording the call and he gets upset (awwww) and sniffy. Called Customer Relations and advised her that their staff have left my 3 children with no money and demanded money from me before they would allow me my benefits to live on...which is blackmail....and I recorded every word. Huge sigh from the other end and within 10 mins I had access to my money. She could see that the accounts were closed early and could not understand why they wouldn't fix that. She also said that as i am disputing the account due to no cca their solicitors would be writing to me? Okly...bring it on.

Seems like they are trying to use the money laundering regs as an excuse for needing to 'verify' your signature. You should send them your letter again with the CAG's new anti tamper signature strip on it

No problem, and welcome to CAG I think the first thing will be to find out if you had insurance on that first loan that they 're-calculated' for you that you could have claimed on instead....and see what your agreements say

Hope you're not holding your breath, unless blue suits you lol tick tock tick tock....

I will get the info and post it on my thread and let everyone judge for themselves if they are happy, gave permission or even knew their data was being sold like this.........and if they consider it to be in the public domain. Think this needs more opinions and research but feel it could go somewhere

Exactly....but they do! They advertise this publicly as services they offer to any paying company, using info they got for free and info they have NEVER asked permission to use in this way. They make a huge chunk of their revenue this way...if money is all they care about, lets hit them there

Hi blondmusic, just adding support also - I fought EON for a friend and won bt OMG they are useless! Get straight onto the regulator and lodge a complaint. They should approach EON on your behalf initially and force them to deal with the complaint. And they DO have a compensation policy (I have that in an e-mail from them ) and my friend got £30 for the costs involved in her fighting with them and £75 compensation. Best of luck to you

different angle but can we also cause them some grief this way? When the CRA's take all the data they hold on me and process it, chop it up and package it and sell it as mailing lists, direct marketing tool, use it for reports, analysis etc all for a fee..........where did they get my permission for that? Surely without my permission for such activities they should not be using or selling my data for profit? So the CRA uses an assumed right to your data from the creditors - then assumes another right to profit in anyway they like from the data they hold for their CRA activities, but when did they ask me if they could do that? SO!......... The Information Commissioner put out a leaflet about our details on the electoral register being sold for marketing etc for a fee and how this was unfair as we pretty much don't have a choice to be on the register - it listed a high court ruling, 'The Robertson Case', in support of this. From this ruling we are now allowed to 'opt out' of the direct marketing side of the electoral register so why can't we use the same logic with the CRA's and stop a major source of their revenue? We don't have much of a choice about being in their files, but can we follow the electoral register lead and force them to provide an 'opt out' of letting them package up our info and sell it too? The Information Commissioners Office leaflet reads: The ‘Robertson Case’ A ruling by the High Court in November 2001 (following a case brought by a member of the public, Mr Robertson) changed the law governing the use of personal information on the electoral register. The High Court ruling confirmed that it was unlawful to sell copies of the electoral register to private businesses without giving people a choice not to have their information used in this way. The Commissioner’s view The Commissioner believed that because individuals are required by law to supply personal information for the electoral register, and they commit a criminal offence if they do not, any non-electoral uses of the information should be kept to a minimum. The previous arrangements allowed the sale of the entire register to anyone prepared to pay a fee, and the Commissioner thought this was inconsistent with the Data Protection Act 1998, particularly the requirement to treat people’s information fairly. The High Court ruled that, by not allowing people to opt out of being included in the register that was for sale, the previous arrangements were in breach of UK human rights legislation. Will be looking up this Robertson Case but any comments? - good or bad :p

I had pretty much the same response when I started digging at them. The next stage (to really annoy them ) is to ask - if your client signing up to strict T&C's satisfies the ICO's needs then please confirm what action you take against a client who breaches these strict T&C's, are sanctions imposed and if so how many breaches are required before this happens". Ask along those lines, as they are using "strict T&C's" as a cover but we have mountains of proof, there have been endless complaints and they KNOW their clients are commiting these breaches - so what do they do about it? (Nothing....as they won't dump a PAYING client lol, but cannot say that outloud) I just got the 'commercial sensitivity' crap thrown at me. Can we not start mass complaining to the ICO that the CRA is allowing clients to continually breach these 'strict T&C's'

LOL....place your bets

The financial director at Cattles, who was suspended then sacked for these serious irregularities is now working as......a Financial Director! WTF?! Re the FSA kidding? James J. Corr, CA serves as Financial Director of IR Newport Limited. Mr. Corr served as a Director of Finance at Cattles plc until February 2009. Prior to Cattles Plc, he served as Finance Director of Polypipe plc. Previously, he held senior finance positions in a variety of listed and private companies. He served as a Director of Cattles plc from 2001 to February 2009. And the Ex cheif operating officer, Ian Cummine is still oerating in other companies with a consumer credit licence,I mean come ON!

VERY interesting titbts from the AGM: "Most interestingly the Audit Committee noticed that the money in the bank did not appear to match what there "should have been" in 2007 so they asked questions. They got answers. they instructed an external review in Q4 of 2007" and even better: "The FSA and others can waffle for years about it but Mr Plod can work out what has become of something over £1billion of CTT monies out of WCF. Clearly there are in being documents made for aco****ing purposes which, from what has been gleaned today, are false and the persons who made them knew it and they gained ( by their bonusses in 07) from it." Oh, and I've got better yet ....gimme a mo

I am trying to find out as much as possible so I know I am posting accurately but could this just be an indication of the bank being aware they will be paying out but showing their intent to drag this out even further and confident of another 2/3 year delay (despite their assurances they are not )

Oh to be a fly on the wall Wish I could book me one of those cheap flights down for the show

Strange, I had a pending friend request from this person and I checked their recent posts - all about this business of RBS in the Netherlands........but I have just checked again and all posts removed

No! We are here to help! The basic template letter just states that you think it was mis-sold and you list your reasons. If you can give a bit more info we can give you a much better one to start with and save you some time with them. ie: was the PPI pre 2005 or after are you claiming missold for unable to claim on the policy for employemnt, health etc reasons or were you just forced to take it? Term of the loan (as your PPI term may be much shorter than your loan) Just things like that.....c'mon, you ain't giving up now surely!

Yes, I have too.Hmmmmmm