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Found 10 results

  1. Hi thanks to a member on here telling me to CCA Barclaycard I am looking for help. What makes it unenforceable I keep looking and some people say they have to produce original paperwork, others say they can send a revised one, being taken out in 1999 does it need to show my signature? Any help would be more than appreciated. X
  2. i had a HP agreement in novemeber 1998 for a car taken with welcome finance. Recently i thought i would try and find out if ppi was included. I was young and silly at the time but needed a car. Through writing to WElcome -i have found out i did have PPI and what the premium was paid including the dates taken out and also a policy number. - all paid off i may add. Welcome have stated they dont know who the underwriter is with?? i have contacted: Aviva Llyolds in relation to this and both even after quoting policy number etc have denied being the underwriter?? I,m not sure who e
  3. Firstly i will say hello and thank you for any help i obtain here the basics of what i had are a ppi policy for a car loan with welcome finance from march 1999 i have a copy of the loan agreement i have tried to claim against welcome but have been told to pursue the underwriter i have contacted the underwriter ( a bit confusing Lloyds say they weren't the underwriter but admitted the would pay out the policy if it had been claimed against and said jubilee group were the underwriter which have replied on behalf of lloyds i have had much correspondence from Lloyds mos
  4. Hi all, Starting a thread for my new claim for my very old mortgage insurance claim with Countrywide Assured. Having looked around the site I see they are resistant to paying out, especially old claims. They tend to claim it's too old, not covered by regulation and the FOS can't touch them. Nice. Luckily I have old bank statements and tracked down all the monthly payments to the policies. Going to send a SAR tomorrow to see if they have any information on my accounts.
  5. Hi Y'all and Happy Easter I was wondering if anyone would be able to offer me advise regarding my claim with Barclays over mis-sold package account? I have had an acknowledgement saying that i had an ADDITIONS account in 1999, but i have no statements going back that far, only from 2004 when it was upgraded to an ADDITIONS PLUS. Does anyone know how much I would have paid in fees per month, back in 1999, for a Barclays ADDITIONS account? They are taking forever on this, I first complained in December '14 and have only just had acknowledgment wanting more info -
  6. I wonder if anyone can help me. I have a t mobile current balance showing on my credit file from 1999. The amount is for £155 It is not showing as a default, only as a current balance. How can I get this removed as experian said that T Mobile must do it? Any advise would be greatly appreciated as this is giving me a poor credit score. I have not been in contact with them since 1999 and have made no payments at all.
  7. Hello all, Thanks in advance for having a look at my post. I've been abroad since finishing university in 2004, while my loan was taken out in 1999 making it a new style loan. No contact was made by either side (i did not tell them I was moving abroad nor gave any info about my work life) until march this year when my old UK address received a letter asking for income info. I sent a reply stating I am abroad and working and an SAR to boot. 2 months later no reply. I am about to sent the "no reply to SAR within 40 days" letter but I'm worried about f
  8. An old old debt has come back to haunt me. For the record, I have not responded to the debt collection agency (DCA) and have at this stage, no intention of doing so. However, if this is the 'debt' I think it is, it seems to have been purchased by another DCA. The last correspondence I had with the previous DCA was, I think, over 10 years ago. What I need to know first is this. Is an old judgement (probably 1998/1998) still enforceable even after years of no-one chasing it and even if another debt collection agency has purchased the debt? What I then need to know is this. Can I reques
  9. These loans were taken out with Lloyds in 1998 and 1999,, was told the PPI HAD to be included or we could not have the loans . My hubby was made redundant from his job half way through , ,we put a claim in for the ppi insurance ,,in the meantime ,,charges were also placed on our account due to the insurance paying the loan cover late into the account each month , ,,,,from our credit records , ,,I have the account numbers on both loans ,the date they began and were satisified , ,,and also black horse has put an amount of arrears 2 months late ,19 payme
  10. Hi, with the probability that my student loans will be sold on in the near future, I'm after a bit of advice on my position. I'm self employed and have been since 2004, never earning 15000 which I believe is the threshold for repayment on my loans. I've had no statements or other correspondence from SLC since 2008 which is the year I declared bankruptcy. (I know my loan couldn't be included) What I'm concerned about is the possibility that any private company can affect my credit file should they decide to pursue me for repayment. In November this year I'll once again have a 'clean'
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