Bryan carter solicitors have got a ccj on me by default for an old shop direct account. I hold my hands up and say I ignored all letters from them and automated calls. The latest letter I have had says ccj was entered against me on 20th April and I've been ordered by the court to pay £50 a month,, or pay it in full within 30 days of the 20th of April to avoid it going on my credit file. I want to pay it in full to avoid the ccj, I have 10 days left. Has anyone does this and how can I guarantee that Bryan carter will close my case and inform the court ive paid? So I avoid the ccj being registered?

Hi not been on here for a while but had great success in the past thanks to all the caggers. I'm posting for my other half he has finance with mallard and has fallen into difficulty making payments. Starting a new job next week but they aren't interested. Lady on phone yest said if he doesn't pay £900 by Fri they'll come and take the car. I'm trying to find the default notice but can't locate so may have to add to this post after work this eve. Def have had one but it didn't say £900 by this Friday. Payments are £500 per month we can pay one on fri and then the next one will be due end of may which we can prob meet as well with this new job. Can they take the car with less than one month outstanding? I think the arrears may actually be more as payments started at £400 then hubby struggled in September/October so payments went up to cover. arrears. If they take the car he can't get to his new job and from what I've read we will end up owing a fortune and having no car. There's No Speaking To Them On The Phone They Are So aggressive and just state pay by Fri or were coming for it Can any one help? I will hopefully find the default today and be able to add clarity after tea time thanks in advance. gilly5001 Oh Yeh total cost for credit £15569 Think we've paid £4000 so not a third ��

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Hi, My girlfriend and I pay for a service each month and by an oversight, we paid last month's bill a week late. This month we have had a late payment fee added to the bill. The late payment fee is calculated at 1% interest per day on the sum owed after 7 days. (Sorry for not giving more detail about the service but the company is a bit vindictive and we need the service) Having spoken to the CAB we know that it all depends on the contract we have with them (we've been there for a long time so can't find the original contract right now) but wondering what others think about this in terms of 'fairness'.....1% interest per day after just 7 days.

Hi each and all, not a happy bunny with this one I will be as brief as I can and hope for some good advice Took out Van Insurance through one of those price comparison sites, got a fair price of £350 ish pound for the year Paid it in full via my credit card, today I get a letter stating " CLAIM DISCLOSURE PROBLEM - PLEAESE CALL URGENTLY I did just that, I thought I had got the claim date wrong or something ( I did inform them of an accident in 2013 which is still pending ), and put it down as not my fault, as it wasnt, they said I should have put it was my fault ( THIS WOULD HAVE BEEN A LIE ) long story short they said they can continue my Insurance but there will be an increase of £500 ish, ( YEA RIGHT ) if I wish to cancel the broker will want there £35.00 admin fee, then the underwriter will want there cancelation fee, plus insurance tax of£26 ish, plus pro rata something or other which I assume is the 8 days I had the van, my breakdown equates to about £7.00 off the 12 month policy I got another quote, from a diferent company, all the same details, and stated that the accident was my fault ( WHICH IS A LIE ) and they quoted me £359 for the year, obviously sensible to go with the new company, my problem is how can they charge me so much to cancel after only 8 days? or I can pay £500 ish more to stay with them, or probably over £100 to leave, is there any way round this? could I cancel the credit card payment? it doesnt seem fair to me :/

I was employed with a 6 month probationary period. 10 days after the expiration of this 6 month period, I was sent a letter to notify me that due to performance issues this period had been extended for a further 3 months. At the time I agreed to the extension and carried on with my job. One month later I was called to a meeting with my line manager and HR Manager and told that y probationary period had been unsuccessful and was asked to leave my position with immediate effect and they would pay me the one week notice period as outlined in my contract. As my probationary period had expired when they informed me that they were extending it, am I entitled to the month long notice period pay that is outlined in my contract as I had been with the company for more than the 27 weeks it states is needed for a 1 month notice period? I know that I agreed to the extension, but the letter I have notifying me of it is dated after the 6 months was up.

Hi Everyone, In November I have bought a car for my wife, but she said she wants something smaller to drive, so I decided to sell it. I was a legal owner of the car, V5 was on mine name and address. I'm not a car dealer, it was a private sale. This is a copy of my ad on AutoTrader: "Features & Description: 85k Miles with Full Ford Main Dealer Service History, Long MOT, Low Insurance, Cheap to drive, HPI Clear, 2 Keys, Excellent Overall Condition, Clean Inside and Out, Some Little Age Related Scratches but Nothing Serious, No timewasters, tyre kickers or business offers, please., Full service history, Next MOT due on 21/09/2015, Electric windows, Air conditioning, CD player, Height adjustable driver's seat, Folding rear seats, Metallic paint, Spare wheel (Space-saver), Power steering, Steering wheel rake adjustment, Steering wheel reach adjustment, Traction control, Central locking, Alarm, Immobiliser, Driver's airbags, Passenger airbags." Guy came last Tuesday, before, he asked me on the phone about any issues, I told him about scratches, high clutch( which worked ok, with no slips etc.) He was happy and came to see it. On my driveway he was examing the car very deeply, he checked everything, car itself and all documents. I was trying to be as honest as I could, told him everything about the car, I showed him all scratches, scuffs etc. We have been on a test drive, we did about 10miles using town roads and motorway. The car worked as it should, to only issue was a hardly noticable something like a "whizz" on the 5 gear. We both agree that is nothing serious, everything worked properly. (When I bought a car my mechanic also checked the car and he didnt find any faults) After that buyer was very happy with my Ford and we made a deal. We have signed a Car Purchase Contract, where one of the point is: - "The seller undertakes to carry out work on the car" - He ticked NO and also - "The buyer accepts the car with specified faults" - He ticked YES Then he took the car and drove it home (about 200miles!). Five days later (last Saturday) he phoned me and said, that I sold him a damaged car! He had big difficulties on his way home, then he went to Ford garage where been told that there is a leek and some fault with the gearbox and it will cost 1200 Pounds to fix it! And he already spoke with lawyer and if I not cover that bill he will meet me at court because: a) I sold him unroadworthy car. I found on Citizen advice bureau website that: "A vehicle is unroadworthy if using it would cause danger to the driver, passengers, other road users or pedestrians. Common signs that a car may be unroadworthy include: headlights that don’t work faulty brakes cracked wing mirrors worn out tyres seatbelts that don’t work properly a faulty exhaust system." So I cant agree with him, all these where work perfect and the car was safe to drive, he also checked the car very carefuly and was really hapy with it b) He sais the that ma car didnt match the description from Ad, because i stated that "car is in excellent overall condition" which I in my opinion was on Tuesday. It wasnt perfect ( I said to this guy many times that car is not perfect, there are some scratches, high clutch, cause its 6 years old, and 85k miles, but still looks and drives very well,he was ok with that) c) He said that I wanted to sell it after a month, because I knew was faulty, what is completely not true. Do I need to worry? When I was selling car everything worked as it should. I didnt force him to buy it! I am also wondering why he didnt call me on Tuesday, when like he said: "Had big problems with driving this car home" ? Or even next day? Its weird for me, and I dont want any problems, pay any money, or going to any courts. If You could give me any advices I will be very grateful, cause I didnt sleep last night because of that. Thanks. Jack.

I have a mortgage with GE Capital and have had this for 8 months now. Last month my husband went from being paid weekly to monthly which falls on the last friday of the month. My pay day is the 28th of the month. I contacted GE to advise them of the change and asked them if we could move the day our mortgage is due from the 20th of the month to the 28th of the month. They wrote back and advised us that yes we can move it but it will cost us £188.00 in interest to do so. I couldn't believe they could charge us so much. They tell us it is due to the loss of interest. Our previous mortgage company charged us £25 for administration charges, which at the time we thought was scandalous, but this it takes the biscuit. We habe no choice other than to pay this, otherwise we will incurr charges for not having the money available on the 20th of the month.

List of events Received claim from Northampton CC Acknowledged service Sent CCA request to Lowell and CPR 31/14 to BW Legal Reminder sent to both after 14 days Embarrassed defence submitted as could not reply to particulars without agreement, DN and NOA. Directions sent out for witness statements no later than 14 days before hearing I filed my witness statement to court with 15 days to go 2 days before the hearing I now get claimant witness statement with copy of agreement and NOA attached but no DN What can I do from here? I am surely prejudiced by this as I am unable to defend it now, plus also the directions stated if docs and statement were not filed outside of 14 days then they would be disregarded. Also the agreement looks very dodgy and looks reconstituted, it was taken out in May 2006 so it must be the original surely? Plus also some particulars are missing from it such as their signature and also a credit limit? How do I proceed from here as the hearing is this Wednesday.

I want to book a hot air balloon flight voucher for 2 for my partner for a Christmas present. I looked around for the best prices and found that red letter days had a special where you get a £30 gift voucher for £18 http://www.redletterdeals.co.uk/deal.php?reference=GCWXA I found this through their weekly deals link on their website and assumed it was a £30 gift voucher you can use towards anything and could use more than one at a time. the page states 'Total flexibility means the gift card can be used to book any experience' so I figured that it could be used for a balloon flight and there seemed to be nothing in the terms about only using one voucher per experience, only that you couldn't use a discount code with it. I was going to get 10 vouchers to total the cost of the balloon flight and have purchased 5 and was going to get the other 5 on Friday when I get paid to then book the balloon flight, I started to register the vouchers to my account today so I didn't have to sit and do all 10 at once and I have done 2, they seem to have separate redeem buttons so cant be used together to go towards a bigger experience and when looking through what they can be used towards there is nothing in the hot air ballooning option. The customer service is closed now so I will need to call tomorrow, but any advice before will be really handy.

Hi everyone I'm having problems with vodafone at the moment trying to Bill me £190.86 for getting a replacement of a brand new iPhone 6 plus that didn't work straight out of the box! I ordered the phone online on the pre order date on the 12th September and I got an email on the 19th September to say it was going to be delivered that day. I was on holiday in America when the package arrived but my parents were there to accept the delivery and just put it in my bedroom for when I got home on the 29th September onlyl or me to find it didn't work! I contacted vodafone customer service imidietly who informed me that they would get a new one sent out to me next day but never mentioned anything about charges or a 7 day returns policy so I presumed eventing would be fine and I would just be charged the £220 for the phone upfront and my usual Monthly bill, but Instead I got a bill through for £547! Cut a long story short Ive made 3 calls to Vodafone about this and everytime someone just says you didn't return it within 7 days so you have to pay the repair bill!? Surely that would be covered under apples warranty! The advisors I've spoken to just say I need to wait for a text within 48 hours confirming if the extra charge will be dropped and it doesn't happen! Reading vodafones returns policy online it says "How do I return a faulty product? We’ll help you sort out any faulty product as long as: You bought it from us It has a genuine fault If the fault’s covered by a manufacturer's warranty, fixing it will be free." Never mentions anything about 7 days and neither does any other section in there returns policy! They all say 14 days! Many Thanks in advance!

Hello, I have been suffering since I moved to Vodafone on 5th November, I just ported my number from Three to Vodafone, and its still not ported, spoken to 25 different people almost 30 minutes everyday since then, walked into vodafone store no resolution, infact, the most irritating thing they do a cold transfer, and I have to repeat my self so many times. Also raised an official complaint to Mark to askmark@vodafone....., just get a confirmation with a complaint number 8574855 but no resolution yet, i keep getting emails with a different complaint number 8576541, saying me to verify security checks and need to chat with customer services, when I chat with customer services they say they have no information about the email. I think it was the worst decision of my life to move to Vodafone, my number is not working, loosing business, affecting me mentally, so many people trying to reach me and dont know what else, Will Vodafone compensate? Customer service now says my number is showing as a Vodafone number but is not active on Vodafone(One of the agent also said, its showing up as a Pay Monthly number which is not but a number coming from Three), I have just spent almost 1.5 hour with chat representative and got my call transferred and spoke to 2 agents for 15 minutes, no resolution, 1st one said they only handle pay monthly and second one said systems are down, don't know how a company of such a scale afford have systems down during a weekday! Any suggestions/guidance/similar experiences/someone who can help? Would be greatly appreciated. Thanks

We parked in Asda car-park in Brighton Marina from 19:05 hours until 23:09 on 17/11/2014 as clearly shown in the PCN photos of our number plate. We have we received a PCN from Smart Parking dated 02/12/2014. I understand that the PCN has to be sent by the 12th day in order to be valid. My question is, is this 12 working days or 12 days? And .. where do I find that information please? Incidentally, neither of us saw any signs indicating that parking was time-limited. I have looked at Google Earth, and you can drive in without seeing any signs. You successfully helped me get a PCN from Parking Eye cancelled, so I am willing to try again!

Lloyds recently blocked my account for 7 days, first saying this was due to fraud investigation, but then formally confessing that was due to bank's "processing error". The block caused enourmous problems for me, resulted in declined direct debits, canceled meetings (I just did not have cash (!) as this is my primary bank account), simply ruined my plans and caused unnecessary stress. All this time they kept saying we do not know when your account will be opened. I beleive the Bank should be accountable for the damage it caused me and my family. They offered ridiculous compensation for this which is not worth the emotional stress that I had to go through. Does anyone have any suggestions on how should I take the matter forward? Thanks Charlie

Today my wife received a package from Drydens with a copy of an application to remove a stay and proceed in court. It was stayed on the 28th Dec 2013 after they never came back to court following sending our defence. Brief outline wife got cancer credit card unhelpful when couldn't pay so didn't pay. Sygma bank wouldn't supply information asked for and issued default. drydens also wouldn't supply info but eventually supplied copy of agreement which we noticed although signed by my wife it was unsigned by the bank. I am defending the case under POA as my wife is still having treatment and is suffering from depression. We were defending on the agreement unsigned by the bank and not being supplied with evidence of the debt. Today I noticed the copy of the default notice drydens enclosed is different to the actual default notice we received. They are even dated 2 days apart. Also does a default notice have to tell you the outstanding balance?. I have attached both notices.

Hi. I know this type of question has been asked a million times, and much of the advice given is to read 'stickys' and other people posts. Truth is I haven't time to do this. My case is a simple one: I received a PCN from JAS Parking in May this year. I was the driver (though I have not told them this). I ignored it. 92 days later I received a 'Notice to Keeper' from 'Parking Debt Recovery'. Again, I ignored it. I then received another a couple of weeks later saying the same thing. In the last two weeks I have received three 'Demand for Payment' letters from 'Dara Debt Recovery'. I must stress I have not written to or contacted any of these cowboys so far. I understand the NTK must be received after 56 days of the PCN. So am I in the clear seeing as I didn't get one until 92 days after the 'offence'? If this is the case, should I just ignore these idiots?

I recently wrote of to akinika to settle a debt I have with them, I was a little cheeky and asked if they could reduce my debt by 70% (previous debt companies have done this with me in order to settle my account quickly ) instead of paying £212.21 I would pay £65, they sent me a letter back saying this is "not acceptable, however our client would accept £180.37" They have also asked for a breakdown of my income & expenditure which I have typed up for them, after I have paid everything out (rent, council tax, gas electric) I am left with £0 a month. I am currently a full time carer for a parent which I have stated in the letter so for now (due to being made redundant) I am not working and my income is all accounted for. What action can they take now ? I physically have no money to set up monthly payments to them, I am only able to pay the £65 as a family member is willing to pay this for me, but due to them being retired and on state pension they can not afford to give me £180. Can they take me to court ? If so, does the fact that I offered to make a settlement payment count in my favor ? How much should I have offered to pay them ? Any key information that I should add in my income & expenditure letter ? ** This account is for JD Williams for a catalog** Thank you

I previously wrote post titled ‘housingbenefit overpayment due to rent free weeks being paid’ 7 days ago. I receivednumber of responses and also tried to clarify a few points. ID6052 may have hitthe nail on the head but the landlord say the arrears refer only to the currentproperty! My last contact with landlord was 2 daysago, Monday, when landlord employee said she would post out to me a printout ofMothers rent account and a few paragraphs as to how they see the rent arrearshave arisen. At least with this it would be something tangible and in writing.The only way the landlord has dealt with this is via 2 calls and 1 visit frommyself to their offices (when I spoke to different member of staff). Haven’treceived this information in writing yet-at time of posting. I did yesterday, speak with my Mother,again 7 days after she, and then I, were made aware of the rent arrears accruedaccording to landlord, as explained in earlier post. Mother told me she had received letterfrom landlord head office demanding that she pay rent account arrears (of over£500) within 3 days or further action will be taken. This is the 1stletter that has been received regarding this problem. No explanation in writingas to how arrears accrued, just a straight forward demand for payment within 3days. How can landlord be allowed to send aletter of demand when they have not even explained fully how they arrears havearisen? Don’t know of each of other 40 affectedtenants have been treated similarly but find the landlords practicedisgraceful. Surely there is protocol which they must follow before sending outdemand for payment? So enraged that a pensioner with health problems and dementia is allowed to be treated this way. Comments welcome.

We own a small business that has ISDN lines installed for a number of years - our account is a business account. We use ISDN for clarity because standard PSTN line quality is extremely poor where we are and we often struggle to hear people on the other end. Our ISDN lines are essential for us. 36 days ago our ISDN lines went down. We've had several dates given to us when work will take place only for the work not to happen. We've been given excuse after excuse, promised things will "be escalated", but nothing makes any difference. We've been "looked after" by their so-called "Distressed Customer Team" for 3 weeks now but they are generally ineffective as they have no real power to make things happen. An email to the Chairman of BT on day 21 asking him to please help get our lines back up was just as useless as it elicited a response but no repair so far. We're told there is a major issue with the fibre between our local exchange and that in a larger town where the ISDN service is ultimately supplied from. We're several miles on the other side of our local exchange from the mail fibre line, yet 1 mile down the road from us - still on "this side" of the exchange - another company with ISDN supplied by BT have lines that are still working. Since our lines went down we haven't had a single order, but last year our turnover increased by over £350,000. Almost all our orders come on the back of customer recommendations, and incoming telephone enquiries from these recommendations are usually converted to customers. Our telephone lines being down are affecting us badly, and on a day-by-day growth comparison it has lost us over £34K of potential additional turnover this year so far. Redirecting our lines to standard telephone lines won't work because of quality issues, and redirecting to mobiles won't work due to poor reception where we are (we're in the countryside). We're pretty much at the end of our rope with this problem. We have no idea where to turn to, or what we can do to fix or problem. We hear lots of platitudes and "we agree this isn't acceptable" but no actual action. Is anyone aware of anything we can do to accelerate the repair, or any action we can take against BT for their appalling service and the affect it is having on our small business?

It has been the case in Law that a letter posted via Royal Mail is deemed delivered two days later if sent 1st class. However these days several million letters go undelivered and there are more companies than just Royal Mail that deliver these letters. Under the Control of Goods Regulations 2014, alleged debtors must be allowed 7 clear days notice before EAs are permitted to visit the debtor and thus to avoid being charged an extra £235 for that doubtful privilege. Bailiff Companies being Bailiff Companies, it is not surprising that some of them, in order to be able to claim that extortionate £235, appear not to be waiting for the seven days to elapse. One of the ways they are doing this is when they write the Notice of Enforcement, they do not appear to post it until several days later, or their postmen are even slower than Royal Mail at delivering anywhere near on time. In view of the huge possible revenue that could accrue to Bailiff Companies as there is no proof of delivery required, is it not time that this mail should be signed for in order to eliminate this loophole that allows EAs to flaunt the Regulations. I don't know if the authorities are aware that this is happening, but unless it is firmly nipped in the bud soon the practice will steadily grow. Obviously, the cry from the bailiff will be that those who are expecting a letter from an EA will deny that the person lives there and it will take them longer to get the money. Well yes that might be the case but whose fault is it that the system is being abused. Of course there will be occasions when the debtor will no longer be at that address which should speed up the bailiff companies information of the debtors' whereabouts and prevent them wasting their time calling round quite a few times before they learn the true situation. Is this a way forward or is there another way to prevent EAs from flouting the 7 day statutory Regulation?

I received a NOTICE OF ENFORCEMENT on Saturday 31/5 from Shergroup Enforcement It says an HCEO is BEING instructed to take legal control of my goods by issuing a "writ of Control" against me & my goods. The original amount of the debt, which originated from a Financial Consent Order as a result of my divorce 7 years ago, when I was given 5 years to pay 10K I didn't pay - mainly as I didn't have the money at any point. They now want the 10k + £10310.10 interest plus their £90 fee. My questions are .. Can I now "just" pay my ex 10k - the original amount plus pay them their £90 for action so far ? ARE they allowed to add the interest ? Who gets the interest ? What is the likely timescale for events IF I dont get things sorted by the 5pm Friday deadline ? Thanks in anticipation!

PART 2 PROCEDURE FOR TAKING CONTROL OF GOODS Notice of enforcement prior to taking control of goods Minimum period of notice 6. (1) Subject to paragraph (3), notice of enforcement must be given to the debtor not less than 7 clear days before the enforcement agent takes control of the debtor’s goods. (2) Where the period referred to in paragraph (1) includes a Sunday, bank holiday, Good Friday or Christmas Day that day does not count in calculating the period. (3) The court may order that a specified shorter period of notice may be given to the debtor. (4) The court may only make an order under paragraph (3) where it is satisfied that, if the order is not made, it is likely that goods of the debtor will be moved to premises other than relevant premises, or otherwise disposed of, in order to avoid the goods being taken control of by the enforcement agent. Form and contents of notice 7. Notice of enforcement must be given in writing, and must contain the following information— (a)the name and address of the debtor; (b)the reference number or numbers; ©the date of notice; (d)details of the court judgment or order or enforcement power by virtue of which the debt is enforceable against the debtor; (e)the following information about the debt— (i)sufficient details of the debt to enable the debtor to identify the debt correctly; (ii)the amount of the debt including any interest due as at the date of the notice; (iii)the amount of any enforcement costs incurred up to the date of notice; and (iv)the possible additional costs of enforcement if the sum outstanding should remain unpaid as at the date mentioned in paragraph (h); (f)how and between which hours and on which days payment of the sum outstanding may be made; (g)a contact telephone number and address at which, and the days on which and the hours between which, the enforcement agent or the enforcement agent’s office may be contacted; and (h)the date and time by which the sum outstanding must be paid to prevent goods of the debtor being taken control of and sold and the debtor incurring additional costs. Method of giving notice and who must give it 8. (1) Notice of enforcement must be given— (a)by post addressed to the debtor at the place, or one of the places, where the debtor usually lives or carries on a trade or business; (b)by fax or other means of electronic communication; ©by delivery by hand through the letter box of the place, or one of the places, where the debtor usually lives or carries on a trade or business; (d)where there is no letterbox, by affixing the notice at or in a place where it is likely to come to the attention of the debtor; (e)where the debtor is an individual, to the debtor personally; or (f)where the debtor is not an individual (but is, for example, a company, corporation or partnership), by delivering the notice to— (i)the place, or one of the places, where the debtor carries on a trade or business; or (ii)the registered office of the company or partnership. (2) Notice must be given by the enforcement agent or the enforcement agent’s office. The above is taken from http://www.legislation.gov.uk/uksi/2013/1894/made?view=plain

I would be most grateful of some clarification from you great folks on CAG please. Background Had an original CC with MSDW long time back. This then followed the Goldfish to Barclaycard route. CCA made to Barclaycard who failed to satisfy my request. Upon the 6th alleged missed payment they assigned it to a DCA (will not name at this stage). DCA made usual threats. More interestingly, the DCA applied a Default to my credit reference file only 6 days after the date of assignment. Questions From my understanding a default notice must be provided prior to recording a default with any CRAs. This notice must provide the info prescribed in S88(1) of CCA74 and as such a way to remedy any alleged breach and must afford the debtor 14 days from service to carry out remedy before a default can be recorded with CRAs. Is this your understanding too? As Barclaycard never added a default (and if they did then the DCA would have needed to have recorded the same date with the CRAs in my credit reference file) and the DCA did not follow the correct procedure, where do I stand now with regards to a) the Default entry, b) the alleged debt (that I deny) and c) my chances of suing the DCA for stress and actual loss suffered from affecting my credit rating by applying Default? Does the alleged debt become unenforceable now? Many thanks in advance and any further questions do not hesitate to ask! Cheers Wormy

The best way to outsmart Ryanair's pricing policy is to book ten days before your flight departs, it was claimed today. Economics professor Claudio Piga said he has researched the low-cost airline’s flight costs - and found passengers booking their trip at least seven weeks in advance pay more. But the Keele University expert also found that fares are raised by between 50 and 75 per cent in the last few days before departure, meaning last-minute bargain hunting is not the best method. The professor described prices from low-cost airlines as being on a ‘U-shaped temporal profile’, with best value available ten days before take-off. He realised that the price of seats on flights went up by around 3 per cent every time one was sold. The airline however claimed that "Ryanair's lowest fares are sold on a first come, first served basis and rise only as quickly as the low fare class are sold in the six months prior to departure." Read more: http://www.dailymail.co.uk/news/article-2598168/Experts-crack-secret-buy-cheapest-fares-Ryanair-book-exactly-ten-days-departure.html#ixzz2yCq9zLYN

Hi friends, I had taken out a £15k loan with Lombard Direct back in 1997 (fully paid off). I have been saving all my bank (Barclays) statements. Wanted to know if PPI was charged on this loan and had sent an SAR on the 21st of January 2014. Its the 6th of March and the 40 days period has clearly expired. I also know that the £10/- cheque I sent with the SAR has not been en-cashed. I am planning to give them a couple more days before I post the LBA (DPA non-compliance letter found in the templates section of the forum). My questions : 1. I hope this was the right address to send the letter to : Lombard Direct Loans 1 Hardman Boulevard Manchester M3 3AQ 2. I also hope its still Lombard Direct Loans that we should write to and that its not been taken over by any other company. 3. I have moved 3 times since 1997, should I provide them proof of my new address together with my LBA so that they do not get a chance to breach the time limit? Thanks Autumn