Grapes can you please post their fax number i may well do the same with my next letter and court details

I'm claiming charges and PPi back from a car finance company. Will i be able to claim interest on this amount (around £3000)? or, as they haven't officially taken the money yet (its added onto my account) does that mean i cant claim interest?

I dont have statements and neither do they so i'm unlikely to get any money out of them. However i will be happy with the removal of the CCJ. I wrote to them giving them 14 days to reply, they have replied giving themselves 28 days to reply. Think thats a bit of a joke really. guess i just have to wait.

what did happen? just out of interest, could do with a cheque book myself!

Yes they did, it was sold to me on the no ppi no car basis. I believe i have a case for misselling - yet outside of the time limitation, although i think this act will help me?

the creditor is the original finance company and therefore do own the debt. They failed to provide the credit agreement and the PPi agreement under a SAR, i have today sent them a CCA request. i specifically asked them for copies of these agreements when i chased up the sar, only to be told they had furnished me with all necessary documents to fulfill the SAR. I agreed to the PPi originally as i was told no ppi no car. The remaining debt with them is about £1500 but i am trying to claim back charges, PPi etc which total around £3000. I dont want the debt to be unenforceable so that i can get out of paying it, i am trying to see a way by which i can reclaim my fees, i admit to having the goods and will pay for them, but not the excessive fees etc.

Well i got a letter from Mr S saying they are prepared to accept service of legal documentation, think they are trying to call my bluff but am going to put in a court claim anyway. Are you using moneyclaim? or going direct to the court?

having issued my creditor with a SAR they have admitted they cannot supply me with details of the credit agreement or for the PPi. Does this have the same consequences as not being able to supply for a CCA? Does this mean that their debt now becomes unenforcable?

its a claim for repayment of PPi which was originally sold to me in 2000, although i still have an account with the company and i am still paying the car finance. I found this: S.32(1) of the act says: © the action is for relief from the consequences of a mistake; the period of limititation shall not begin to run until the plantiff has discovered the fraud, concealment or mistake, or could with reasonable diligence have discovered it. I have only just discovered the PPi was not compulsary with the loan and that i did not have to take it (as ooposed to i was told by finance company) therefore do i have a case to still request a refund?

I'm making a claim for PPI and in their response they state "please note that any claim you make is likely to be statute-barred persuant to the limitation act 1980" What does this mean? Is it that i cant claim back further than 6 years? How do i know if it will or wont be covered?

Sandra - did you recieve a response from Welcome how is your claim coming along? Grapes - haven't heard off you since xmas, hows it going?

Hi Sandra, Happy new year to you too. I've seen some claiming for repayment on car finance, but i looked on the OFT's site and could find nothing that actually stated that HP agreements were not covered as Kieran claims, but then i could find nothing to say that they were! Anyway have sent my response back which was recieved by them on Weds, just waiting to see what they send back now.

Sandra - Is this correct this is not the case, as i cant find any details as to if they are covered by this or not?

hi sandra got exactly the same response as you, must be a standard letter. just plotting my response

natwest step account is good, they give you a solo card and allow dd's and standing orders

i sent a CCA request to Woolwich a few months ago, got back the answer that they couldn't provide me with the agreement/statement etc so after my response they agreed to remove the 2 defaults on my credit file. Have found out today that CCJ on credit file is relating to this account too, didn't realise this at the time. Is it reasonable for me to write to them and say look you have already admitted you have an unenforcable debt, remove the CCJ please? are they able to do this or do they have to go through the court? I am thinking of wording it in such a way that i would've claimed my bank charges back (which would be much higher than the £400 CCJ) but cant due to their inability to provide paperwork, and that seeing as it has been on there for 5 1/2 years they are lucky i'm not claiming compensation for damages. Is this the correct approach?

Hi everyone, Jude your a very brave lady facing this forum! jus to update everyone i never recieved all the information i requested for my SAR, so i have reported Welcome, and instead of waiting and waiting for the information i have sent my claim of for repayment of PPI, Charges and acceptance fees. We shall wait and see what their fob off is, i have already prepared my response to it, printed and in a envelope just waiting until i can post it! I am currently collecting the information i need to challenge the APR's too may i take this opportunity to wish all Welcome fighters a very happy christmas

he wants a part refund, or even for them just to stop taking payments from now on. His under alot of financial stress and recently tried to commit suicide due to various debts, hence i am helping him sort them out! I'm not sure of their terms & conditions either. I'm wondering if i should go down the route of the mis sell, as he says their web site clearly states "work as and when in your own time" yet he was pressurised for his work, which lead to him not completing the course. his not asking for the refund personally, he wants computeach to pay out Barclays so he no longer has this loan over his head

I am doing this on behalf of a friend.. he started a Computeach course, which was funded by a career developement loan from Barclays. Decided after 2 months course was not for him, informs computeach by letter. Computeach have failed to reimburse barclays for the loan, therefore he is still paying Barclays back weekly. the original loan is for £4000. Barclays say they cannot stop taking money until Computeach refund them, How do we force Computeach to reimburse Barclays?

Questioning the 6 year marker.... I had an account with Barclays which was closed around 2000, it would have been overdrawn due to charges and they closed it. I dont remember clearly i was 18 and fianancially unstable and didn't care who knew! now i have come to cleaning up my credit file and notice i have not only a ccj from this but the details of the account ie it was opened 01/99 and settled on 06/02 are showing a fit fat ugly and rather red 4!! oh dear... At what point after the 6 years does it come off? Is it after the settlement date. I have recently wrote to Barclays who have removed the default, should i insist they remove the details of the account to? Can i only claim charges back to december 00? Should i SAR them?

get a copy of the office of fair tradings guidelines for non status lenders these clearly state that if the amount your paying back is almost solely taken up in chartges then the lender is acting wrongly - cant remember the exact wording, but def recommend you get a copy. Then write to Welcome stating the paragraph number and tell them to do something about it else you will report them also to everyone else - GET A COPY OF THE GUIDELINES! these clearly state that the office of fair trading recommend that lenders do not repossess borrowers house - also loads of information in there about phone calls, home visits and what is right and wrong. Strongly suggest to every to GET A COPY!!

have a look at the thread in this forum titled "welcome finance any dealings..." I suggest you SAR them straight away, then write to tell them your account is officailly in dispute at which point they cannot hassell you for any money until they sort out your dispute. Then claim off them PPI, charges, acceptance fees and anything else they have stuck onto your account without your knowledge.

I had no intention of patronising you either, and i am sure you are more than capable of looking after the dog. I was simply making a point that if you dont have the money to pay for the animal in the first place then you certainly dont have it to pay for an almighty vets bill which this particularly prone puppy is more than capable of picking up. I only suggested that insurance was a good idea for you. Why not try looking at breeders insurance then? Have a good christmas and i'm glad you have sorted everything payments wise for the pup.

just a few points - I thought that when you bought a pedigree pup it came with free insurance through the kennel club which should have covered your vet fees? My puppy certainly did. - Also if i bought a puppy for £1000 i would have insured it myself straight away, if i got given a puppy for nothing i would have insured it right away. Insurance is the key to vets fees. Surely if it was to be a show dog of value you would have insured it? - I fail to see why you have not yet paid for the puppy? or why they released it without payment? If you had bought it off any other dealer you would have paid for the puppy there and then? I dont think you have any right to claim the vets fees back off of the "breeders" however i do think you should feel proud of yourself for rescuing your dog from them! Please do report them to the RSPCA and remind them that dogs are not money making machines. As for putting your name as a behavioural adviser - use this opportunity to inform the new owners of how badly their puppy was brought into this world and make sure they let everyone around them know, eventualy there will come a point where no body will want to buy their puppies. Good luck

is anyone challenging the APR's ?