we had a bad house fire 5 months ago which spread to next doors house , we were uninsured . our house cost us £16,000 to put right which we took out in loans yet next door who had less damage than us have been told by his insurance company it will cost £102,000 to put his house right , my problem being is that his insurance company have now sent me a letter asking for my insurance companys details so they can liase with them over the repair costs , as i have no insurance i have as yet not replied but a friend of mine thinks that as i have no insurance this company will probably take me to court to reimburse them , any advice would be helpful please

I would appreciate help iro submitting my defence which is due on 05/07/2014. AOS was submitted on 19/06/2014. I have attached relevant docs. The Credit Agreement was provided following a CCA request to Marlin. As it was too difficult to read they then provided the letter of 23/01/14 with a typed out version of the declaration. I believe that I had a default notice from Northern Rock in 2009 and have received the statutory notices each year. The loan was opened in 2001. The last full payment was made in October 2009 and token payments were made in Dec 2009 , Jan 2010 and Feb 2010. N Rock were aware of my financial difficulties at that time. I have not received an actual deed of assignment... just the attached letter and similar letter from N Rock.

Hi, I'm new to this group but really need some help I've fallen trap of the Payday loans and don't know which way to turn! I've taken out 3 in the space of 2 weeks but really can not afford to clear them, my husband knows nothing about them - problem no. 1!!! I'm going to contact each one to offer a repayment plan but judging from your threads this doesn't always work!! If I cancel my card at the bank will they still be able to take money out by other means?? I have every intention of paying them but just got myself in too deep at the moment, rolling the interest over isn't an option just genuinely can not afford to pay them this side of Xmas. The lenders are Peachy, Cash Genie and Swift Sterling. Any help would be greatly appreciated, I'm tearing my hair out and am virtually bald

I booked a holiday with onthebeach.co.uk in error due to the site not being user friendly. I did not know the booking had been made as the total cost (including credit card surcharge) was not included until I proceeded with the booking. It also initially showed the return flight being to Manchester and I had specified Liverpool Airport for travel. At no point did it say the booking had been confirmed, I therefore then booked the same holiday for a longer period, due to there not being much difference in price. I can cancel the hotel but as the flights are with Ryanair, they are non refundable (and they are the majority of the holiday cost). Please help. I only knew the booking had been made as I received a confirmation email, but I was not checking my emails whilst looking for holidays!

Hi all, I have been asked for some help from my auntie and i'm trying to find out any information that may help her course. I have searched the forum as best as I can but really cant find anything that exactly covers this. ...so here goes.... My uncle has just passed away and upon going through all his things she has found a boxful of unopened letters some addressed to her and some to him, most of them are request from various dca's saying she owes money for xyz accounts and threats of court action etc etc, there has also been a ccj issued as well, it all seems above board as in the initial claimant forms are there but obviously they have not been responded to as she knew nothing about them, and then the court has issued her with a ccj for £5000 saying payment forthwith, this was issued in January this year. little history on the debt is that it was for a bank account that they used for a business but it was in her name so that is not disputed but she thought it was all sorted when the business folded but obviously that was not the case. (He was in charge of the business and she had nothing to do with it as far as i'm aware) the account was originally with lloyds but it had been passed about to various dca and it is MKDP who have put the ccj in, It had been issued by Northampton court I really would like to know what our options are,and where we stand in all of this. Can we challenge the ccj or is it to late for that now? There doesn't seem to be any new letters from mkdp since the ccj was issued,is that normal? what can they do next? I appreciate this is a little complicated but any help would be greatly received many thanks

Hello Is there any direct representetive on here from EE ? I have a continuing issue with mthe billing and reception aspect with my contract AG

Hi I’d be very grateful for any help/advice with the following problem. Four years ago, I asked Goldfish if they could write-off my credit card debt due to my circumstances (which I’d explained to them). They wrote back saying that they couldn’t do this, however they stated, due to my circumstances, that they wouldn’t pursue me ever again for any further payments. However,the debt would still show on my credit file. Not so long after that was agreed, Barclays bought all the Goldfish accounts,including mine – and it wasn’t too long before they requested payments from me again. However, once they saw a copy of my letter from Goldfish they agreed that they shouldn’t be pursuing me for payments – and they haven’t done so. However, it still leaves my credit file in a bit of a mess (please see attached). It continually shows 6 payments in arrears, and I think it’s going to do that until I die or I somehow manage to clear the debt. If the account had had a default, then at least I’d know it would drop-off my credit file after 6 years, but it looks like this will never drop off. Does anyone know if there is there anything I can do to have these entries removed? Thanks in advance. Florish

I am a member of an organisation which is a Limited Company registered as a mutual society. We had a visit two weeks ago(26 March) from a Marstons employee, informing us that he had a High Court Writ to seize goods and collect payment for a Supplier. We have an ongoing dispute with the supplier regarding their breach of contract - and increase in fees after their takeover of a company we had previously dealt with.They said the Consumer Credit Agreement still stood! - they themselves terminated the contract, issued a default notice under the CCA 1974, in the sum of £395.11 obtained a default judgement in the sum of £2958 plus costs and then escalated via Marstons to the High Court. We had no paperwork at all from the Courts, suppliers or Marstons about this and had no knowledge until the HCEO arrived. (I have since obtained this from the Courts) We refused him entry to the premises (commercial) it was 7pm in the evening and I was brought down to the premises after a phone call saying someone was on the premises. I told him I was paying nothing until I had evidence from the courts ( he wouldn't show me the writ) but handed me a prescribed form 55 with two items listed saying he had seized the goods. He didn't execute his levy correctly as the WPA was not signed. The next morning I emailed Marstons, the supplier telling them that they were in breach because a debt cannot be enforced in the High Court if it originates from a Credit Agreement (I think I'm right here) We heard nothing until Monday last week, with a WPA attached to a letter from marstongroup saying we had 48 hours to sign and return, this was not done. Meanwhile, I compiled all the information with an N244 with a witness statement and supporting documentation, and obtained the procedures from both the High Court and County Court of what to do. Today another officer from Marstons arrived with the new set of Controlled goods forms and entered through an open door and took an inventory of the small amount of assets we had. This was scribble signed by me. He then wanted me to pay the full amount to stop him seizing goods. I said we would pay only the amount of the Default Notice, not the CCJ and had filed the forms with the courts and were awaiting them back. He rang his office who stated they wanted half of the now £3600 debt immediately in cash, or I could get friends to use their debit/credit cards!!!!!!I said no and after an hour or two stand off, he agreed to the £395 payment with a verbal agreement (recorded by him of course) to which I'm made clear a monthly payment would be made commencing 28 days later, on the understanding that it would be paid only pending the stay being granted by the court. I went to the court this afternoon, it was closed until 10am tomorrow! any advice on what to say or do next please! is it a case of waiting for the judge to decide on the stay! Apologies for the length of this.

anyone do a favour please... I have a return offer from MBNA obv some £400+ lighter than what i'd roughly done. they've not sent any breakdown yet, that will be asked for on Monday. 1, the neighbour in question needs the money if he accepts it as it stands , can he argue the rest later. 2. can someone do a better job with the way I calculated the redress [CIsheet then stat] have all the statements. dx siteteam

Hi guys, I joined Vodafone Friday last week and I have started to experience signal issues. This varies from receiving 'No Service' to trying to use the 3G service which is excruciatingly slow and then stops working altogether after a few minutes of use. Another phone I have which is on the 3 network works fine. I was wondering if it would be possible to have my contract cancelled as I am still in the cooling off period? Hopefully I can grab the attention of the VF forum team. Thanks in advance, Tom

I am posting this on behalf of a relative who has received two Claim Forms out of Northampton (CCBC) County Court. Both are for debts originally with HSBC a) Credit Card (1***.** and b) Bank Loan (1****.**). Both Particulars of Claim are basically the same except the Credit Card uses the wording 'a regulated agreement' whereas the Bank Loan uses the wording 'a loan agreement'. Both say that a Notice of Assignment has been provided to the defendant with a date on the Bank Loan one but on the Credit Card one there is no date. Also that a Default Notice has been served on the defendant (no dates given on either) Finishes with wording that The complainant has complied as far as is necessary with the Pre-Action Conduct Practice Direction. Claim Forms are both dated 29th April 2013. Both claim forms were acknowledged with intention to defend all the claim and asking for the extra 14 days. A letter has been sent for each claim asking under CPR 31.14 for the disclosure and the production of a verified and legible copy of the document(s) mentioned in your Particulars of Claim: 1. The agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The assignment 3. The default notice 4. A statement of account showing how the amount claimed has been reached. These letters were sent by Special Delivery and were received and signed for on 7th May by MKDP LLP. In addition to this a SAR was sent to HSBC again by Special Delivery and was received also on 7th May. My relative states that they have not received any notice of assignment or default notice for either of the debts. In addition they also believe that they have not made a payment or acknowledged the debt for the 6 years prior to the issue of the Claim forms (but is close) To date they have received no acknowledgement from MKDP LLP. What is our next step please? Do we now send N244 and also should we also have sent a SAR to MKDP LLP

My payslips went missing with my information on them, and I have exhausted the in house complaints system. My information is still floating around somewhere, and it lets people know, who I am, where I work, how much I earn, and I really need to keep where I work to very few people, whom I can trust. Do I have a complaint here for the ICO?

Hi, This one is a little different. In a nut shell. I bought a knowhow service 'Fix and Fault' for my desktop. Whilst in store employee stole items from the desktop and gave back to me saying 'irreparable' Sold me a memory stick and downloaded items from hard drive. I then put my desktop through to my insurance company to make a claim. Insurance company contests my claim as internal damage was 'malicious' and have verified missing items from desktop and damage with an engineers report. I've complained to PC world (this was difficult to say the least!) and supplied with evidence etc. PC have offered an amount compensation due to the theft and no provision of service bought (desktop was not sent externally for repair by employee). I believe the amount offered does not cover my outlay sufficiently (I have evidence this with PC World and actual financial cost to me is lower than what has been offered) nor my humiliation with my insurance company etc, so I have very politely requested a revision of their offer. I gave 14 days on 08/01/2014, received an automated response 09/01/2014 and a personally written response 20/01/201 acknowledging my email and forwarding onto the compliant handler. To date I've had no further response from PC world complaints department. This complaint dates back to Oct 2013. How do I progress from here? Should I send a deadlock letter or simply proceed to small claims, do I warn of my intention to go to small claims, or should I seek legal advice from a solicitor? Any help would be gratefully received , many thanks Hazel

Hi all hope you're ok. please bear with me but I'm in a bit of a pickle. I have just noticed in my credit file with experian that I have a default notice sent by Lowell after an account for next. This debt was about £383 or so which I have paid and says settled. Now I can't fully remember if I was sent a default notice or not to be honest and I wasn't working and buried my head in the sand with money. I know I shouldn't of. My problem is that the girlfriend is pregnant now and wants a home before she's due. She's only a month gone or so. Now with this default that is going to cause me no end of trouble I know. what is the best course of action for me in this matter. Any help would be greatly appreciated and is there someone who can carry out the ness steps for this if I pay them or is it straight forward enough? Thanks in advance.

Hi All, I hope you can help me with a letter I have received from Tesco Bank. I have defaulted on a Tesco Credit card and this debt was passed to MDRL. I requested proof that MDRL were legally allowed to claim on this debt and they passed on the CCA request to the original lender. After many months and as far as I am concerned a default on my CCA request, Tesco have replied. The letter is attached. Please answer these questions if possible. Are they right, should the CCA request be signed, bearing in mind it was sent to MDRL? If they have done nothing wrong and are not in default of my request, why offer compensation? What would be my best course of action to reply, is there a template or a quote I could use? Do I need to send off the signature request? Any advise will be appreciated. Many thanks. AS

Hi, I ve been searching the forums and used the templates etc. Basically, I have 4 PDL and its spiralled out of control. I've taken ownership and contacted them to offer repayment based on available funds. I have provided them with income and outcome figures, then divided the rest based on percentage amount. Wonga are just ingnoring me and Im getting no where, so I itend to send a letter instead of email. MEM gave accepted and Ive made 1st payment. However, P2P / QQ are demanding I fill out a complete income and expense form. This is after two weeks of counter offers to extend my loan with different amounts and time, with questions about my personal life each time. Im not sure what to do next. Do I have to fill out a complete I/E form they have sent me or do I just reply back with the two figures with an explanation. I'm just wary as it all seems to be game-play?

Hello, Sorry if this is the wrong place, but I'm new here and it's taken me 2 days to find out how to do this. I have spent a while going through the treads on this website which relate to the ET. I wondered if there was anyone who could give me some pointers on what I should be doing in order to represent my son at his ET at the beginning of October. Brief summary of case: ⦁ November 2011 son sent in a written qualifying protected disclosure about absence due to ill health, the state of his working environment, and the treatment he had been receiving from his new appointed line manager; ⦁ Guaranteed promotion by the PM, but was turned down because the PM said he lacked the ability to lead a team of people and because of his communication skills; although he had been carrying out the role of manager/team leader for at least 18 months; ⦁ Negative Treatment became a lot worse since handing in letter; ⦁ Being told a colleague could speak better English that my son; ⦁ Being told by a manager that a child could do my sons job with his eyes shut; ⦁ Being asked if my son was as stupid as he sounds; ⦁ That my son had no common sense; ⦁ A manager telling another co worker that he suspected my son of stealing; ⦁ The unlawful searching of my sons bag; ⦁ PM lying to OH in order to gain my sons medical records; ⦁ Two false allegations made against my son after he told the PM that he was going with a grievance and taking it to HO. ⦁ Being phoned at home and threatened with dismissal, relocation & further suspension if my son didn't drop the grievances; ⦁ Being subjected to a 5 hour meeting in which the Store manager repeatedly refused to listen to my son and his representative, regarding not wanting to drop 2 grievances; My sons disabilities are Verbal dyspraxia and global cognitive dysfunction. Sent in ET1 in Feb 2012. Attended 3 CMD's. Case began in August, but was delayed after 3 days (halfway through my sons being cross-examined), due to the ill health of one of the judges. Case has been re-listed for the first week in October and it is expected to last 5 more days. I suppose I'm really after some advice regarding how I deal with their solicitors, who, to be truthful, have been awful in regards to including information we want etc. To be honest it sounds as though they are acting the same way as most solicitors do in these cases. So I guess I'm just asking how to play them at their own game. Right from the start the EJ has suggested that the respondent take up mediation, but they have declined all the way through. Even on the first day of the hearing the EJ allowed both parties a 30 minutes, in the hope that the other side would take up mediation, but again they declined. So we went onto the full hearing. How do we go about proving points of law, which is all I keep reading about. We are now happy with the bundle, although we have additional papers we are adding. We can't afford to pay for a solicitor, we don't have legal cover on our home insurance, my sons income is too high to qualify for legal aid (by £30), so up to date we have had to do everything ourselves i.e. witness statements, gathering evidence, attending 3 CMD's, corresponding with their solicitors etc. I really would appreciate any help or advice on how I go about representing my son at the ET. Thank you in advance for any replies

Hi, Letting agent in question is actually based in Golborne (am property) how ever we live in wigan.* My story is as follows.* We have lived in a rented house for just over a year. *There has been a problem with damp in one room since we moved in. *For *the last 6 months this has caused black mould. *This has been reported to them several times and they have neglected to repair it. *It eventually ended up in a leak destroying a £400 tv, £200 pvr, £100 blu ray player, countless books and a £70 chest of drawers. *This is on top of countless items of clothing and shoes destroyed by the mould. *We contacted them to request a reimbursement with photos of the property that was destroyed (they have also been sent photos of the mould previously). *They asked for *a list of damaged property. *They have now informed us we will not be getting a reimbursement and that we now have to wait *until the new year for the damp to be repaired. *The landlord came out to fix the problem with the roof which was causing the damp and informed us the reason why we had to wait was due to the walls needing to dry out. *Today in the email we received from the letting agent they have stated that is no damp in the property despite them having seen photos and it was our choice to wait until the new year. *We are now left at Christmas around £1000 down through no fault of our own, living in a potentially hazardous property as they seem to have a complete disregard for the legalisation they are governed by. *To the extent they will not even release the landlords direct contact details. *They will only give us their details in order to contact him. *We have no money in order to move as my partner has lost his job through having to take time off to get this sorted, I can not work full time only part time as I have boneloss of the 2nd and 3rd metatarsal in my right foot and on morphine for the pain. *So we are now stuck here in an uninhabitable house, over £1000 down, with a completely ruined Christmas.* To add to this the landlord told us when he came and fixed the roof that the letting agent had informed him the damp had beem fixed, when in actual fact it had just been decorated over.* After asking around to friends and neighbours I habe been informed by neighbours the damp is a long standing problem of which previous tenants have moved out from their lack of will to repair it.* That no one has lasted longer than 6 months renting the house.* The list goes on and on.* One friend informed me am property attempted to make her claim for free insulation and a boiler in order to add value to the property.** She refused to do this for a couple of reasons, the fact obviously it is borderline fraud and secondly the have also refused to do repairs needed to her property.* Another friend moved into this property SEVEN years ago with the SAME agent and reported the SAME damp and black mould problem to the SAME agent, yet the agent says it wasn't here before we moved in. I am merely wanting to bring to yoir attention how they are willfully ruining people's lives.** As stated as a result of their negligence and willful disregard for legislation we're left with way over £1000 worth of damaged property which we can't afford to replace, with a ruined Christmas as some of the damaged property from the leak where Christmas presents,* living a potentially hazardous property with no means of moving house. We also have both been ill for the last year, my partner with coughs and colds and me with cramping and pins and needles in my limbs every morning, a brain fog I can not clear for upto an hour after being in the room for just a few minutes. Can anyone advise anything to help in anyway?

Brand new to this site, so please excuse me if I have posted in the wrong place. From the beginning, in March 2006 my partner was diagnosed with a terminal illness. I had outstanding with Lloyds bank a Personnel Loan of £18,000, a Credit Card with a balance of £13,000, and an overdraft of £470.00. I wrote to Lloyds to explain my circumstances and they agreed to accept reduced payments of £200.00 per month for a period of 6 months. In December of 2006 my partner sadly passed away, and with her my world. I was unable to work for a considerable time and I was living on SSP. Sometime in 2007, Lloyds contacted me and stated I had not kept to the arrangement so the arrangement was terminated. Various letters arrived from Lloyds over a period of time but I had more important things to worry about i.e.: my two boys, so the letters were ignored. I heard nothing about these debts until November of this year when out of the blue, a Statutory Demand arrived from a company called Lowells, demanding the £18,000 and an accompanying letter demanding the £470.00. The following day, another letter arrived from a company called Capquest demanding the £13,000. I have applied to my local Court to have the Statutory demand set aside, using the information I have obtained from this site and various legal publications. I have also sent CCA requests to the above companies, and also a SAR to Lloyds. The last payment I made to Lloyds was on the 29th January 2007, I can prove this via Bank statements. Are the above debts barred under the Limitations Act ? or should I start negotiating with the above companies? Any help/advice would be very much appreciated. Many Thanks.

I don`t know where to start really I feel so upset, my partner of 10 years left me last wednesday and has told me today he will not be coming back. He was the sole earner in our house I have not worked for a while due to health problems and I am unable to work at present. I did not claim any benefits my partner provided for me. He paid the rent, bills, etc and now he has walked out and not left me a penny I literally have £4 in my bank account. Now I have no way to pay the rent, I applied today for ESA and was told it will take about 3 weeks to process if I am lucky and I can`t apply for housing & council tax benefit until the ESA gets accepted. My rent is due on the 6th November and I have no way to pay it. We have a joint tenancy and my ex has not given our landlord the one months notice so by law we are legally responsible to pay the next rent. He said is not paying so what can I do? My landlord is not a very nice guy and I am dreading his reaction when he finds out the rent will not be payed. He knows I don`t work and that my ex pays it. I don`t know what to do I am so scared I don`t know whether to tell him now I won`t be able to pay or tell him nearer to the time. I am scared once he finds out he will try to change to locks when I am out or try and intimidate me now he knows it is just a female on her own. I rang Shelter and they just told me to try and get on benefits as soon as possible but as I am single and under 35 yrs old so I will only get £66.04 a week housing benefit and the rent for this place is £515 so I know I will have to leave here soon. I have no family or friends to turn to, I feel like there is no way to sort this out at the moment. I have reached rock bottom and I can`t even think straight to find a solution. The only money I could give my landlord is the deposit we have with the DPS, but I don`t think he would accept that. I don`t know what to do I feel so alone, I can`t believe my ex has done this to me. Can anyone give me any advice especially if they have been in a similar situation.. Many thanks in advance.

Hi hoping someone can help. My wife had a house re-possessed 19 years ago with negative equity. This was with her ex-husband. This they were paying off until 5 years ago when he disappeared...literally. My wife spoke to CAB and everything and was advised to set-up a repayment plan with mortgage express for £1 a month. This has always been paid. She was also informed (wrongly I think) by the CAB that mortgage express had split the debt. In the last fortnight she has received letters stating that she owes £35K. Apparently her ex has been paying nothing and has in fact gone bankrupt. We have been sent an income & expenditure form which we have filled in with my wife's details NOT mine. She only works part-time due to illness and may require operations shortly that will stop her working at all. The house is in my name as are both cars that we own. NRAM are quite willing to work out a payment plan but doing that this will never go away. I think this leaves us 2 options - 1 - offer a full & final settlement (Anyone any idea how much / little to offer) or 2 - she goes bankrupt. If she goes bankrupt how would this affect my house & cars. We have a joint bank account but it is only my earnings that go into it. Advice greatly appreciated

Hi, I am new to this site, not really found any conversations that answer my questions regarding the debt collector company called Collectica and their bailiff approach. I current have a debt that’s been pass to them via the courts for a fine, I had left it a day late to make contact with the court to make a payment plan but was still able to make my first monthly payment, before being told it had been passed to Collectica and I would be contacted. Almost two months later, a bailiff turned up at my door giving me a Notice of Intention to Entre & Search my property - removal notice. At the time, I informed him that I had not received no letters from Collectica giving me the chance to set up a payment plan and advised to contact the office, as he was not willing to accept my £40 a month. Spoke to the office, who informed me two letters was sent out, to date I still have not received. Also informed of the added Admin & Bailiff cost, total of £300, I informed them that I was able to pay £40 a month where my first payment would be on the 30 Sept, I was unable to do this using online or automated services. Following online investigation, I emailed Collectica for a full break down of their charges and copies of letters and informed them that I was unable to make my first payment and if they could advise. After various emails between myself and Collectica, where they just repeated the admin and bailiff cost, s tating I would have pay £10 for copies of letters, advise to speak to bailiff regarding payment which I did via text message. He took almost a month to get back to me demanding full payment and threatening to attend my property on Friday. Bailiff also informed me today, that a letter was sent on 30th Sept and still have not received it. Due to not having any joy making payment, I have made two months payment to the court with the next one due the end of the month. Would it possible for someone to tell me, the correct procedures for debt collectors/bailiff, am I entitled to see the court warrant, breakdown of charges, copies of so call letters, can bailiff entre property in my absent and remove items, can bailiff enter property if I have children under the age of 6. Would be grateful for any advice, as I am not trying to avoid paying the debt.

Hi, I'll try & keep this quick & brief. However, I have had recent dealings with Motormile Finance as they contacted my 85 year old mother in law and scared the crap out of her by threatening a doorstep visit looking for myself. I don't know why they have contacted her as I have NEVER lived there. Anyway, I sent them the standard template from the CAG forums regarding a doorstep visit and changed the last paragraph to comply with Scots law. I have today received this letter to my actual address where I live. Any advice on what to send these parasites in response to this? I dispute the debt and have no recollection of taking out any payday loan with Wage Day advance. I have mentioned this to them, but they ask me to provide a CRN (Crime Ref Number) which I have no intention of doing. Thanks

Hi all. I have just recently registered and been looking through the forums regarding the biggest **** in this country - Swift Advances. I have seen all the help given to people around this forum especially ims21 which I honestly applaud and was wondering if you can help me with this too? I'm doing this for my father who quite frankly is just about managing to keep up with his payments and has been in arrears for quite some time on and off. He has his 1st Mortgage with another mortgage provider Birmingham Midshires - £50,000 in 2005 and this is his second secured loan - £34,995 in 2007. I have recently asked them to send a full statement for all charges etc from when the loan was taken out in 2007 and I am shocked like many on here on these amounts!!! I also asked for a settlement figure and the figures make my mind boggle!!! Original Loan Amount - £34,995.00 Interest Levied (excluding on Charges Incurred) - £32,675.41 Less Payment Received - £35,373.47 Sub Total - £32,296.94 Charges Incurred: Court Fees - £245.00 Tradesmen Invoices - 58.75. Legal Fees - £1951.04 Post Default Collection Charges - £1713.00 Solicitors Charge to Attend Court Hearing - £164.50 Loan Co Admin Charge - R/D Cheque Charge - £264.00 Default Charge - 250.00 Other Fees & Charges - £1106.00 Interest Levied on Charges Incurred - £5466.42 SUB TOTAL - £43,515.65 Add Redemption Administrative Fee - £150.00 Early Settlement Figure - £0.00 SETTLEMENT FIGURE - £43,665.65 I honestly feel so sorry for my father and for everyone out there who deal with these sharks. What I am after with all your kind help of course is to bring this figure down considerably and I don't know where to start. I have however already sent off a SAR request today and I am waiting for their response. Kindest Regards Fay

Dear All, Advice required, next steps. Lloyds have previously sent a compensation amount, I subsequently sent a SAR request and CCA request this gave me more information proving their compensation amount was incorrect. I now have statements back to 2000, however I think the account was opened in 1983. I do not have this data, Lloyds have failed to provide the data saying they only have to keep records for six years, however the CC department say their records say it goes back to 1990, but I do not have this on paper. I have created a financial model to reflect all statements back to 2000 then a straight line balance and PPI charge back to 1983. I would like to claim the full amount know, as I see it I have a number of options; 1 Go directly to Lloyds with my claim 2 start a pre action disclosure to ask them to give the date the cc started 3 take my case to FOS as I seem to have exhausted evey avenue from lloyds I am wondering if these are the only options and what anyone with experience of this would advise? Kind regards Platox