Hello All, I have recently started "clearing up" all my financial arrangements and am slowly receiving my CCA and SAR requests that I had sent after reading the threads on here. I have received a CCA today from The Capital Bank after duly sending them my £1 fee. The response is clearly marked "No PPI", so I presume that they were able to "find" my agreement, I wonder if they would have if it did have PPI on there!!! The agreement is dated April 1999 and shows an "Administration Fee" of £55. I have long since paid the loan off but is this something that was legimately and legally charged?

Hello Will try and summarise.. . if I miss anything please let me know but would be so very grateful of any advice on what to do now. Capital Bank Joint Personal Loan £5,481.20 outstanding taken out in 1997 It got transferred to Wescot Credit years ago and we had no communication with Capital Bank Direct at all. It went to Legal & Trade Collections before Wescot and also a solicitors but we adamantly paid the minimum and had been paying £40 a month to Wescot for a long time but not paid anything since beginning of 2009. April 2009: received a letter with 'Your Annual Personal Loan Statement Agreement No: xxxxxxxxxxx for the period 01/10/2008 to 23/02/2009. It shows a statement opening balance as at 1/10/2008 and then 3 payments october, november and december 2008 with a statement closing balance. Had never received a statement before that at all. Nothing shows even to this day on Experian 2nd May 2009: Sent a CCA 17th May 2009: Sent a failed to respond letter account in dispute 22nd May 2009: Received a reply from Capital Bank dated 20th May 2009 thank you for your statutory request for information in respect of the above Loan Agreement. Please find enclosed a signed copy of the executed Agreement. Thats it and then a 2 page agreement which can be viewed here Page 1 http://i39.tinypic.com/jayh3p.jpg Page 2 http://i42.tinypic.com/20ubd04.jpg At the beginning of the year 2010 got a statement and then another one in February 2010 which is just a general statement showing what we owe and what was paid. There are no charges on the account and no interest been applied. 13th August 2012 My husband got a letter dated 13th August 2012 (my name not on although a joint account): "We are writing to notify you that Bank of Scotland PLC has assigned all of its respective rights, title and interest in respect of the above referenced accouint (including the outstanding balance) to 1st Credit (FINANCE) 5 LIMITED, effective 31st July 2012." .... plus more just stating that they are managing the account and we have to contact them to organise payment on the account as a matter of urgency. There was also an 'Account Assignment' attached stating balance now due and to contact them to agree repayment options etc. etc. etc. 28th September 2012: Today my husband received a Statutory Demand under section 268(1)(a) of the Insolvency Act 1986, Debt Liquidated Sum Payable Immediately - Form 6.1 Any advise would be much appreciated as read on a number of forums that Connaught always send these out and not worth anything then some forums saying that houses could be possessed ! if over £2,000 so take it seriously. Also my name is not on anything it is always my husband although the original loan was a joint personal loan. Many thanks in advance