Hi, I've tried to have a good look through the website, which has always been a great help over the years (thank you so much!!) but I just need to clarify a few things before I end up doing something stupid. I had the old mortgage style student loans with the Student Loans Company back in 1993 and 1994, and deferred them over the years due to low income and poor mental health. I don't know if I'm remembering right but I think the last time I acknowledged the debt and tried to defer again was 2012 or 2013 (not a good year personally, don't remember much). Fast forward a few years, find out the account was sold to Erudio - never acknowledged any debt, but now in the past week, I've received a Letter Of Claim from DrydensFairfax to my current address which starts with the following: "This is a Letter of Claim sent to you in accordance with the Pre-Action Protocol for Debt Claims...". They are trying to claim both 1993 and 1994 loans together under one account number and the account summary only states balance on 11th September 2018 (debits/credits/interest), along with adjustments for menial amounts between 6/9/2018 and 11/9/2018. So, how much of this is hot air or are they trying to get a backdoor CCJ? Should I send a CCA request to them (is it s.77 or s.78, sure its s.77 but better to be sure)? Do I send the new GDPR SAR request and if so, who do I send it to - SLC, Erudio or Drydens? Do I bother to fill in the Income and Expenditure form, repayment offer, or reply form they've sent? Apologies for the questions, need to make sure I don't screw it up. ta

Over the weekend my hubby went up into our loft to try and find some paperwork in relation to another PPI claim I have but found an agreement for a car we bought back in 1994 from a Ford Dealership and its with Associate Capital. I remember at the time we had a really bad credit record and the sales man said that if we added the PPI it would help our application for credit. I remember being so desperate to buy the car as we needed one for work that we even took out the mechanical breakdown cover. We would of done anything in order to get the finance. At the time we were managers of a public house and so the cover was not needed as we would of been paid a salary even if one of us was ill as you ran the business as your own and had full control over takings and budgets etc and so if you was ill you would of just given staff more hours to cover for you. Also redundancy was not a worry as if for some reason the pub actually closed down, which was very unlikely, you would just be transferred to another one as we worked for the company as salaried managers. I have a copy of all the original paperwork etc and want to try and claim back the credit insurance which was £544 plus interest of £244.80 paid monthly over the term of the loan. I have googled Assocaites and can see that CITI bought them in 2000 so do I need to send my claim to them?

Last year the social fund contacted me and stated i owed £500 from 1997-98 in the UK. I did the usual SAR, Dispute etc and they were unable to substantiate the debt. They still started taking £15.00 out of my ESA every two weeks despite my objections. After transferring to Northern Ireland and my ESA is back up and running, the Northern Ireland Social fund has sent me a letter. They state i owe the social fund £111.00 and must pay it back at £7.19 a week Northern Ireland has not recognised the Governments welfare reforms so we still have the social security office, not the DWP. This is interesting The say i can pay it by cheque in one lump sum, in cash, postal order, or standing order and first payment to reach them within 7 days. They also asked me to sign the letter saying I AGREE I OWE THE SOCIAL FUND THIS MONEY. My question has to be why they are being so nice about it? Why have they not just started taking the deductions from my ESA like the DWP did without my consent?

I have my application form for MBNA credit card from June 1994 which has the box ticked for PPI.I have always been self employed.I only have statements from the last six years which have no PPI on them. My question is ,will it be possible that I may get some money back,as I don't have the very old statements. Cheers Lutin:|

back in 1994 i took finance on a bike with welcome finance. i borrowed £2800 @36%, 48 payments of £132 and the total repayment was £6400ish. now i remember the deal forcing me to take ppi and that part was paid off first. i spoke to welcome a few months back and all the details were confirmed, good memory eh ? well, i put in a ppi claim via a company and guess what ? welcome dont have the details !!! any advice on moving this forwards?