Hi everyone, sorry I am late getting back to you as I thought I would i got lost within the site but have now discovered it is not so difficult once you click on things a few times all becomes so much clearer any just to update you on what I have done, between the 2 of us hubby and I we have sent in 2 seperate claimes for our information 1 to cover all my single accounts and contersigned at the botterm by my husband to cover our joint account and 1 for my husbands single accounts. I will keep you informed when we get a reply from them and in the mean time I will search this forum so that I am better informed to help myself with your help.

Thanks once again

Pen

Hi everyone, thanks for your replys but I am now confused. The bank, althrough they have closed all bar 1 of our accounts, they have not as yet issued proccedings to reclaime the loan it is all still in the hands of the bank as it is them I get the calls off. I think I am right in believing what your saying is that I am to write to the TSB encloseing a fee requesting all my statements then take it from there. I have down loaded the template for this from here and I will post this today. I am sure my statements with the bank will back up the need for the refinancing because I complained to their customer care department at the time due to the excessive chargers and that was their solution to the problem they informed me that I had to refinance the loan. I still have all my letters regarding the complaint.

As to the credit card company, I have had no contact with them since 1999/2000 and as far as I am awere it was all payed in full. The credit agency informed me that they have bought the loan from the credit card company and they have been looking for me for quite a few years, we moved address in 2001 and this is the frist I have heard from them. Anyway I will do as adviced, thank you all for your help and if its ok I will keep you posted.

Thanks again. I am not very good at finding my way around these pagers so if I get lost you know the reason

Pen

edited thred to much info