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Everything posted by DMC65

  1. Many thanks. I'm off to send a SAR to Lombard.
  2. Has that worked ? I'm useless with attachments on websites.
  3. I'll try with a PDF this time. Arden are acting on behalf of Idem Servicing.
  4. Not sure if that file is very readable. so I'll post an image. [ATTACH=CONFIG]50112[/ATTACH]
  5. Any help with where to go from here would be greatly appreciated. Arden contacted me a few months back regarding a loan which I informed them was statute barred. After letters and phone calls pestering me, I decided to ask them for a copy of my original agreement hoping they wouldn't be able to obtain this and if they did it would let me perhaps claim the PPI on it as I remembered Lombard making this a condition of the loan. Arden produced a copy of the agreement and I have since informed them to stop calling me as the loan is statute barred, which they have so f
  6. Thanks for the reply dx. I don't have any statements, would this prevent me from claiming and how would the overall thing affect the statute barred status of the loan? Am i correct in thinking then, that I could only claim a percentage of it back as the whole loan wasn't paid but sold on ?
  7. Bit of a mixed bag this one but hopefully I've posted in the correct sub forum. I received a phone call last year from Arden Credit Management from a loan taken out in August 1998 which They say I still owe around £6000. As I hadn't made a payment to this since 2004 I informed them this was statute barred and never heard anything more until this year apart from some statements through the post. This year the began getting a bit more aggressive in demanding the money, to which I informed them the load was statute barred and there was nothing they could do. The advisor on the phone agreed
  8. Yes sweetjane, it was a second charge loan. Off the top of my head, I think it was for around 9,000 over 5 years which we paid minus the arrears (which was just about 3 months ) for just about the whole 5 years. Then the settlement which was still about 8,000. Every time we were in arrears, we always made it back up. So without the paperwork, we roughly paid back 23,000. It might be worse, I'll have to look out the paperwork.
  9. Last year I sold my house paid a ridiculous settlement to Swift and rid myself of any debt I had. While this has been a great weight off our shoulders and left us with some money behind us to buy again in a couple of years, I can't get rid of that feeling of injustice. We fell into arrears and the charges being applied were exhorbitant, to say the least. As a secured loan ( initial mortgage with NR ) what are the chances of realistically getting anything back from this bunch of crooks. I seriously don't know whether to just draw a line under it and move on with the rest of my
  10. Thanks for the reply 42man. I will be trying to get my charges back, if they are secured against the property, but as my sale will hopefully be going through within a matter of weeks I really need to know what to do now. I imagine any secured money owed will be paid straight from my solicitor to my first mortgage and swift. If possible I would like to get some of it now by means of redemption but I'm not sure how this would work.
  11. I would appreciate a bit of advice if anyone has the time. We took a secured loan with swift in Aug 2006 for £10,750 to be repaid at £253.04 PM over 60 months. Total repayable was just over £15,182.40 We've had our share of troubles and had a lot of missed payments but to date have paid back £12,500 and with the repayments we have agreed we will be clear of any arrears by August. This is where it all goes a bit swift. To date we have paid £12,131.96 our outstanding balance is £10,789.37. Which equates to £7738.93 of charges. The sum of £10,789.37 has (this is not a settleme
  12. From the Halifax Website: Overdraft bank charges court case update Customer Q&A waiver lifted Summary of Supreme Court Judgment On 25 November 2009 the Supreme Court said that the level of unarranged overdraft charges is not assessable for fairness under the Unfair Terms in Consumer Contracts Regulations. This means the banks have won their appeal and the test case has concluded. This is a final judgment from the Supreme Court as they have decided it is not necessary and/or not in the public interest to make any reference to the European Court of Justice. Q: What does thi
  13. Every ruling seems to be about unauthorised overdraughts, but what about unpaid DD's, surely we can still go to court over these as no service has been supplied and they are penalties.
  14. I Recieved my standard letter from the halifax this morning, the new one they are sending out. What is really bugging me and it has been since the beginning is, the OFT and banks keep mentioning "unauthorised overdraught". They seem to always miss out on unpaid DD's. I have a considerable claim on hold and have no overdraught facility, nor have I been overdrawn or my DD's been paid. Surely if I was allowed to proceed to court with my claim, I could argue that no service has been provided therefore how can they possibly charge.
  15. Thanks for your reply. I bit the bullet today and they may consider a repayment arrangement.
  16. I'm in serious trouble here. This all ties together so bear with me. Most importantly I owe income tax amounting to nearly £10,000. They have a decree against me at the moment and they are about to raise a determination. I'm devestated at the thought of losing my home, is there anything I can do to prevent this? I could probably pay about £500 per month. Would they accept that amount? Because of debt the bank would not let me open a business account so I just had to use an basic account. I have never lied about my income to the IR. Because of charges to my 2 accounts
  17. As soon as this claim is finished watch out for DMC 2 - The HBOS PPI story
  18. It's great to get encouragement from you lot on here, since I called the FOS my wife is now 100% on getting the full amount as well. Things are starting to look up a bit.
  19. Thanks Moneyhelp, will do. They've really p***ed me off now.
  20. I have taken the money out of my accounts and if they want it back they can get Howard to sing for it. (or take me to court for it, now wouldn't that be ironic) I'm sending a letter accepting it as an interim payment as advised by the FOS, and I'm letting the FOS deal with the remainder including the lost year and a bit as they said they'll get the lot for me. Just got to wait for the FOS form to come in.
  21. I phoned the FOS to complain officially and then asked them about the money and she said, take the money and tell them in writing that you have accepted it as an interim payment and she then went on to say the money is now mine no matter what it says on the bank's letter.
  22. Is it safe for me to take these two sums out of my account and then continue with my claim ? They are now refusing to give me a final offer because they cant find over a year in statements. They also won't take the money back and told me just to leave it there but I don't want to do that in case it gets used for DD's. They've left me in limbo:mad:
  23. I can assure you Moneyhelp, as soon as I do she'll have it spent. Well after I get my new LCD TV
  24. Tell me about it Sanand, I've now retreated up to the spare room with a couple of beers. All I'm getting is "£6200" and, "we'll not get anything, you should have taken it"
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