Hi I was wondering if anyone on here could give me some advice. I had a car accident this morning whilst driving into my local villiage carpark i skid on black ice and went into the kerb causing a large amount of damage so much i think my car may get written off . I am just wondering if the council are to blame for this as this is a dangerous spot and surely the council should have gritted the road or put up a sign. I spoke to highways and they told me they would send an inspector out stright away, as i was waiting another car done exactly the same. i waited for 2 hours but only a road gritter come out and now it has rained so there is no ice on the road anyway. I am gutted because i will have to claim off my insurance which i have 3 years unprotected no claims so this means i will loose them. Any advice is greatley appreciated. Many thanks Hayley

Thanks curlyben, they have already failed to comply in the timeframe anyway as it was over 2 months ago they received the request from us. What should we do now stop making payments until they provide us with the CCA?

Hi My husband sent a CCA request off to Caabot Financil who is acting on behalf of Bank of scotland for a credit card account. We have received a letter today saying Further to your recent communications, regarding the above credit agreement. We apologise for the delay, we have now received copy statements for the above account, and these are enclosed for your attention. Can they still enter things (late payments, defaults etc) on his credit report or take us to court for this debt without the CCA even though they have coipies of statements. Thanks Hayley

Thank you everyone for all the help and advice, postggi i wish you all the luck with your case and will be subscribing to your thread. Thanks again!!!

No dont have any problems at the moment just was curious to see if my agreement was all correct, i just wanted to see if the workings out were correct really because i keep thinking that they have charged me interest on £7000 not £5000 because it's so confusing (well for me anyway lol).

What does this mean? i also had a loan with Welcome in 2005 which is now settled should i post that agreement on here too because i had insurances with that also?

Thank you for being so helpful postggi

I was wrong about the date apparantly it is brought into effect in stages there's still hope lol

March 30th 2006 i think, just had a look on google

Ok thanks, i have read through your post thats what made me wonder. Good luck with it:)

Here you go!!! [/img]

Hi postggi We took out the agreement in September 2006, how do i show a copy of the agreement? Hayley

Hi all After reading all the terrible stories about Welcome Finance on here i had a look at my credit agreement but cant get my head around all the figures not too good at maths. I was wondering if someone could have a look over them for me please. I bought a BMW for £7000, but put a £2000 deposit down so had £5000 on HP, I also purchased shortfall extra insurance which was £295. This is what the agreement says: Amount of Credit for the goods £5000.00 (A) Amount of credit for the insurances £295.00 (B) Total amount of credit £5295.00 © Total amount payable for the goods (A + R + V) £10,619.52 (D) Total amount payable for the insurances (N + W) £483.84 (E) Total amount payable (D + E) £11,102.38 (F) Cash price for goods £7000.00 (M) Total cash price for insurances £295.00(N) Total Cash Price £7295.00 (0) Deposit cash £2000.00 (P) Deposit P/X £0.00 (Q) Total Deposit (P + Q) £2000.00 ® Acceptance fee £195.00 (S) Finance Charges for Goods £3324.52 (T) Option fee £100.00 (U) Charge for credit for goods (S + T + U) £3619.52 (V) Charge for credit for insurances £188.84 (W) Total Charge for credit (V + W) £3808.36 (X) Rate of interest on credit per annum 16% Duration of agreement 48 months payable by monthly payments of £187.57 APR 33.6% Thanks in advance:) Hayley

Hi My husband has been paying Lewis Debt Recovery for the past two years for a debt he had with Bank of Scotland. After looking at the list it is listed as Dormant, what does this actually mean, can they chase him for the debt and should they have been allowed to receive monies paid off the debt. Hayley

Hi Craigten I will be keeping an eye on this post as i have been trying to get some compensation off First Choice since June following my holiday to Turkey. Good Luck take them all the way!!!! Hayley

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Great thanks, i know how to do the SAR as i done this with the bank charges, i did stop paying for the car as sson as it became faulty and in the end i gave it back to them, i will send an SAR to them though and keep you updated. Thanks for all your advice:)

Thank you conar686, i may try sending that and she what reply i get. Citi Finance are really hard work to deal with though, they never get back to you and send you something different to what you ask for but its worth a go. Thanks again:)

Hi Gizmo I just felt that i paid back alot considering i only had the loan for a short period, and it makes me mad that i didn't read things before i signed. I just wanted someone else to have a look at the figures. Cheers Hayley

Yes no problem, what do you need to know?

Thanks for your advice, i did send the £10 fee and after the 40 days sent a non compliance letter but they still ignored me.

Hi gizmo111 Yes, i am saying that we were misold the ppi but i cannot prove it, basically what happened was we had the loan to clear some debts so Citi wrote all the cheques out to our creditors. On the day we went down to the office and sign the paperwork and collect the cheques, we looked and the cheques and there was one missing for £4700 for a debt we owed to Lloyds TSB so we asked why the cheque wasn't there and the man told us that because we were only allowed a certain amount for the loan they could not pay Lloyds TSB because we had to have the insurance which took us up to the maximum we could borrow. We said that we would rather pay Lloyds TSB than have the insurance but we were told we had to have the insurance. The problem we have is being young and stupid at the time we did not read things before signing and looking at the paperwork now in the small print it does say that the insurance is optional and not a condition or requirement of the loan agreement, so i dont think we would have a leg to stand on as it is their word against ours. Thanks Hayley:)

Thanks for your response debtsurvivor. I dont think there were any redemtion penalties and as far as asking for i statement of account i have i dont know how many times, i sent an SAR in December and they fobbed me off for months and in July i got a solicitor to write to ask them to send my statement of account and this is what i got. The interest rate says A.P.R 15.7% (Rate of interest 1.21% per month) Thanks Hayley

Thanks for answering my question patrickq1:) I am sorry for not being more clear, i gave the car back to Family Finance (finance company) i am assuming they did sell it. I am sorry i a a bit vague because this happened a few years ago now and i dont have any of the paperwork, it is not until i started using this wonderful site it made me think about a few things. I am positive that they never told me how much it was sold for. I didn't actually go to court but they did put a CCJ on my credit file, i am not sure about the PPI either. Do you think i can do anything about it now?

Hi Before i start you may need a piece of paper:) . I had a secured loan with Citi Financial a few years ago and i only had the loan for 5 months and i settled it. I am questioning the amount i paid back to them, as the loan was for £3,0654.54 plus insurance that i did not really want which was £5,428.71 and £400 fees which totalled £36,483.25. We had the loan for 5 months and paid £1,400.61 in monthly payments. When we settled we had to pay back £35,183.79. I requested Citi to send me a breakdown of how they come to this figure and here is what they said: The total amount borrowed in September 2004 was £36,483.25. Your agreement was over a period of 240 months and your payments were £466.87per month. You settled your account in February 2005 when the account had been opened for 5 months The insurance sold on the account was £5,428.71 over a period of 60 months, as per your signed contract. After 5 months the rebate was calculated at £4,245.07, making the amount of insurance you paid during the time the account was open £1,183.64, this figure has been calculated correctly in line with the guidelines set out by the Finance and Leasing Association (FLA). The insurance rebate of £71,230.72 is also calculated in line with the FLA guidelines. The interest is worked out by 240 x £466.87 = £112,048.80 (total to be repaid) minus the total amount financed £36,483.25, which gives you the total interest amount due of £75,565.55. Any help with this one would be greatfully appreciated. Cheers Hayley