Hi All. I have a bunch of debts that have been hanging around for years under a free debt management plan. I want to clear these up now. Firstly, my main concern is that the totals currently 'outstanding' exceed the original borrowed in the first place by quite a while. Also, the debts have been passed between a number of agencies and in some cases I don't even know what the original debt is anymore. I'd also like to note that these collection companies have added plenty of money on the totals too so maybe I need to request a statement from them AND one from the original lender if I can work out how they are? In short, HELP! So here is my plan / questions: Can I / should I contact all the companies listed on my credit file and ask for a breakdown / statement? Is this a subject access request? Can I even send them one if they are not the original loan company? I've attached a screenshot of the debts I am aware of / with my management plan in case there is any specific action I should take based upon the info / people. // I removed the screenshot - realised I had account numbers in there. Whoops! Many thanks in advance.

They have had a payment within that time frame. One of these however is an old littlewoods account from years back. Who do I contact to get a breakdown as I suspect I can get charges removed from that one?

Hi there. Have done a credit check today and found 4 accounts listed as defaulted on my file with various values ranging from 40 - 500 ish pounds. I've called them (on a witheld number) and gone through. They all sounds like that are indeed accounts I have had in the past and may have owed some money on, but the values appear to be far greater than even the original credit amount. I've talked through getting a 22% discount if I settle them in full and they are going to let me know tomorrow if approved. My main question is, if the debts are older than say 2005 (in this case a credit card) then can they even legally request I pay or should I be fighting to get this struck off without paying? Or is it better to just pay off at these discounts and be done with it for good. I confirmed that paying will close the accounts and remove the defaults. I was told that I will get email confirmation of this while on the phone making the payment, though i wanted to get the offer in writing first before I will pay anything to be safe. The person I spoke to was very friendly and the call went well. They seem to be ok on first impressions and I'm happy to just get my credit file cleared off with a loan from the parents instead. But before I do anything too hastily I thought I would come and get valuable CAG advice For reference the amounts and settlement offers (still to be approved) no discount option of the £45 one capital one - 238 (clear at £185) - (2003 - 2005) 514.98 (clear at £400) three £100 - (clear at £78)

Just seen this pop up BRIEF-Cattles makes subordination document available BRIEF-Cattles makes subordination document available - Forbes.com Looks light on details but there are contact numbers and hints of new info. Anyone fancy picking up a phone? Oh and for those interested, don't forget you can make yourself some nice alerts http://www.google.co.uk/alerts?um=1&ned=uk&hl=en-GB&q=Cattles&t=1

242.85 i believe.

Thanks Any moment you get to look at http://www.consumeractiongroup.co.uk/forum/show-post/post-2052366.html would be great. PM or reply to thread, whatever is easiest Just desperate to know.

Hey all. Andie, or someone, would you mind having a look at this document and letting me know if it is enforceable or if I should go after welcome to claim EVERYTHING back from them? I am a bit confused http://s5.tinypic.com/2saj9j5.jpg I have blanked out my info. THANKS!

Well done everyone.! Still not exactly sure if that means my loan is going to be null and void or not... perhaps a nice clear post soon on what is effected and what it means Obviously only once you are allowed to do so Well done again... what an exciting day!

I think you will have more luck with this TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

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Andie, don't suppose you could have a quick peek at http://www.consumeractiongroup.co.uk/forum/show-post/post-2035938.html ?

What an exciting day this is going to be and it's Friday the 13th Unlucky for some

Hey, I just sent the below to Andie but maybe someone else is about that can help me on this...? I have an agreement from way back in 2005 for my car. I don't currently have a statement as they have not replied to SAR. However there are 2 things that make me think they have charged interest on the Acceptance fee based on my agreement document and I wondered if you might give me your thoughts? 1) The have the acceptance fee listed as a value of "s". They then have "charge of credit for goods" as S+t+v. They then roll those into a total charge for credit and finish by saying that there is interest applied to that total... thus they must be charging interest on the fee? Secondly at the bottom of the paper they have actually written "Interest, calculated on the amount of credit and Acceptance Fee outstanding from time to time throughout the duration of this agreement...." So unless I am mad, they have essentially put in writing that they are charging interest on the acceptance fee? If this is the case I assume I can use your fantastic letter to put the account into dispute and then cancel my payments to them? My agreement is due to end at the end of this year anyway. Finally, if I do this I assume they are not going to be able to take the car, and indeed will actually have to pay back monies owed or write off the debt? Any help that anyone can offer is really appreciated THANKS!!!!! P.s as a bit of a funny one, the person who printed this agreement kept the headers and footers on so at the bottom it has the word document name of "Elite Brokers Tier 3 (Volume Bonus) 10.10.05 which I find amusing.

Well fingers crossed. I just printed and signed and am posting first thing in the morning. I wondered if it is worth saying that I would accept closure of the loan instead of a refund? I only have until the end of the year left and have paid WAYYYYY more than the cost of the car. Anywho, lets see what they say.

THANK YOU! Reading now

Guess not then sniff

One last cry for help before I give up on this Anyone?

No one? I am really worried about making a mistake

Can anyone offer me any advice on this as I want to send it tomorrow as I have to reply within 1 week. Thank you!

Hi again all, I have put together my reply to their letter. I wonder if someone may be able to have a read and pull me up on anything that I might be better off not saying, or indeed if I have neglected to included something.... ------- I refer to my letter dated 15th February 2009 in which I wrote asking for justification that the insurance sold with my loan was sold fairly, reasonably and within my best interests. I am writing in response to your letter dated 23rd February 2009, with regards the insurance sold with my car loan / HP. Your reference is COMP/XXXXX I have included answers to some of your questions as requested, however as you have not provided me with a transcript copy of the recordings, the script in place at the time or documents from the time that the loan was taken out that you mention, I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again alongside the additional information I have provided as requested by you. The replies to your questions are as follows: When did I become aware that I had a complaint? I have only become aware of the issue of PPI mis-selling due to the massive media coverage in recent months and therefore have decided to proceed with a claim for mis-selling. Exact reasons for the complaint: To the best of my recollection, at the time of sale / loan provision I was informed that I was required to take out PPI insurance on the loan amount. I have since discovered this is not a requirement. Additionally the form that was sent had those options pre-ticked and as such was not an option that I made while filling in the form. I have also since found that no documentation was sent to me that detailed the PPI or what it covered / would cover. On re-reading my agreement it makes mention of ‘leaflets’ that would be provided, however no such documentation / ‘leaflets’ were provided. I have kept all original documentation along with separate photo copies within my files during the duration of this HP agreement alongside all the documentation from the car sales office which has allowed me to confirm that this was the case. What do I remember from the time the policy was taken out? All the communication aside from forms was done over the telephone. As far as I can recollect this was done with an agent on behalf of Welcome Finance in conjunction / as a result of referral from an online car search website. Although the agent I communicated with was polite and helpful, it does appear that the loan itself was miss sold as a result of my above stated reasons and those I included within my initial letter to you on the 15th of February 2009. As stated in my original letter, unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. If I do not receive a more favorable response within 14 days I shall be taking my complaint to the Financial Ombudsman which is a step you have also put forward as a recommendation within your letter dated 23rd of February. Yours faithfully,

Thank you. I am going to try and digest this now.

Hi All. Sent off my original claim / complaint letter a couple of weeks back to Welcome. Have had a letter back today stating they are keen to handle my complaint and that they will get the following from their files - The recording of the phone call during which the insurance was first mentioned to you - Copies of the documents we would have sent to you at the time - The script that was in place at the time - Records relating to the individual who spoke to you It then yammers on and says they dont feel they can accept my complaint. Then it says to fill out an included question form that asks about when I first became aware I had a complaint, my exact reasons for the complaint, what i remember from when i took out the policy, what documents was I given, details of my job at the time etc. What do I have to do now? Do I need to fill this in? Can I just move to continue the complaint? Are they actually likely to have recordings? I doubt it as I am sure I spoke with a 3rd party guy from netcars or similar. Would appreciate any advice or help, especially from those that are aware of this reply from them. If needed I can copy in / scan in the letter but I have pretty much covered it above. Many thanks in advance! Dave

didn't know what other forum to put this in. I have a pension with Scottish Widows with my current employer. I wish to know if its possible to withdraw a pension before the age of 50? I am not after the pros and cons of doing so I just wish to know in simple terms if it is possible and how? I know I can move it to another provider but that is not what I wish to do. Any help is really appreciated. Kind Regards, David

Just had my court order through the post... Estimated the hearing will take 10 mins Parties encourages to settle by negotiation etc etc Following Directions for Claim: Disclousure of documents as follows.. Both parties shall give to each other standard disclousure by list Any request for a copy shall be complied with The original documents must be brought to the hearing The judge may refuse documents etc The documents to be sent to the parties and the court must include the statements of all witnesses Witness statements must start with the name of the case and claim number, state the full name and address of witness, set out the witnesses evidence clearly in numbered paragraphs, end with the paragraph "I believe that the facts stated in this witness statement are true" and must be signed by the witness. Because this order has been made by the court without considering representations from the parties, the parties have the right to apply to have the order set aside, caried, or stayed. A party wishing to make an application must send or deliver the application to the court (together with any fees) to arrive within seven days of service of this order. ---- The rest is pages of info on the small claims track. Hope someone can help me with what to do next Dave

Ok. Allocation Questionnaire was sent back to the court a week or two ago. Not heard anything yet. Emptied my accounts weeks ago. Got a letter yesterday from Nationwide saying they have no closed the account and attached a cheque for 11p! I guess this must be outstanding interest? Anywho, they have only closed one of my flex accounts, not the other one I am claiming on. Also, they have left my savings account open. I am a little worried that although i have been claiming for both accounts, they have been ignoring one and will then play dumb in the coming weeks? I have sent repeated copies of the charges sheet and letters to court and nationwide that clearly state both account numbers in bold together so there is no missing it. Thus far I have had no offer of settlement, no part payments on this remaining account etc though i got my lesser charges back from the second account which is now closed. Any advice from anyone in the know or with similar experience would be very much appreciated. Dave