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Found 19 results

  1. Hi All - I would like some clarification - has TSRGD 2002 been repealed and replaced by the 2016 regs (or newer)? Thanks, Jay
  2. hello all I wonder if anyone can help me. I took out a loan with Blackhorse in 2002 and it had PPI on it. I was in fulltime employment and had no need for PPi, but was told it was needed. with this being the first loan I had ever taken out, I didn't know any better. I tried to make a mis-sold PPi claim. problem is, I don't have any paperwork with account details. my own bank - HSBC - tell me they cannot go back to 2004 when I finished paying for the loan to help me get the account details. Black horse cannot find me on their system, and therefore reject my cl
  3. Hello all !, I received a letter from PRA Group a couple of days ago. Letter opens with "in order to comply with our obligations under the Consumer Credit Act 1974, We are providing you with this statement of your account. Opening bal: £545.40 Total payments recieved £0.00 Balance adjustments £0.00" Letter also gives a ref number and says I owed Lloyds TSB Bank PLc, the agreement date was 30 May 2002. And offers a settlement payment amount of £54.54. I have never had an account with Lloyds TSB. I panicked thinking someone may have stolen my details, as
  4. good morning all, whilst trawling through old paperwork searching for anything relevant to a separate issue i have, i have found an old black horse finance agreement from 2002. i have no other paperwork relating to it. there is ppi on the agreement and i have detailed on the agreement: the furniture cash price, monthly interest rate, apr, number of monthly repayments and amount of each payment. However there isn't any breakdown of the monthly payment although i'm assuming i can work that out from the other figures on the agreement ( although i haven't been able to work out
  5. My partner bought a car through the now defunct Yes Car Credit, who I believe were owned by Provident. She would not knowingly have agreed to PPI, so she would like to check whether it was applied to the agreement without her knowledge. Since she had the load around 2002, and Yes Car Credit no longer exist, I am not sure how to go about helping her find out if she was missold. Can anybody help me with some advice on how to get started please?
  6. Name of the Claimant ? Cabot Financial (UK) Limited Date of issue – 31/10/2015 What is the claim for – The Claimant claims payment of the overdue balances (set out below) which the Defendant(s) have failed to pay as required under contracts with the following particulars acc no XX9 and acc no XX0, between the Defendant(s) and Halifax dated on or about Jan 30 2006 and Jan 13 2002 respectively. The contracts were assigned to the Claimant on Aug 31 2012 and Aug 31 2012 respectively. PARTICULARS – a/c no XX9 a/c no XX0 DATE ITEM VALUE 01/09/2015 Default Balance 8500
  7. Hi, I received a claim form from HPH2 for a Barclaycard debt of 2002 for £7476. I sent MKDD two CCA requests but no reply and now the HPH2 has issued the claim. I have two questions which I hope you guys could help me with. 1. Can the HPH2 enforce a credit card agreement which was taken out in 2002? 2. They are claiming interest, if they are successful, then is the interest COMPOUND, or Simple? Thanks
  8. Hello everyone, I got a letter out of the blue today from first credit concerning a loan i took out back in 2002.. In september 2005 i got divorced and things went pear shaped and i went to rehab for various reasons.. I havent made a payment to them since 0ct/sept 2006. The letter is addresed in my name but it asks to confirm who lives at the address as it says my name has been supplied as a possible address.so they dont know for sure.It also says if it is not me to contact them to update their records. Im just a house husband whose got his life back on track and o
  9. Hi, I would like to know if anybody could shed any light regarding LLoyds and Welcome Finance; I have written to LLoyds regarding the PPi mis sale , May 2002 loan, they agree that they are indeed the Underwriters but Welcome is responsible; I am awaiting Welcomes response - probably a negative one; I would also like help with a mechanical breakdown issue with additional insurances that I was forced to buy in April 2002; I have approached Welcome and they responded saying that they did not have to pay out because a High Court ruled that a ' Sch
  10. Hello, I will keep it short. Have read the various threads and found them very useful. Out of the blue last week DWP Wrote to me requesting payment of £3109.00. £1,100 from 2002 and the balance for 2009. 2002, I can vaguely remember what happened in 2002, both JSA matters. 2002, had interview under caution no charges and no Court. I am sure they sold the debt to someone them gave it back then sold it again and since 2002 I have heard from them no more than twice, have no paperwork at all from then to remember anything else. 2009 debt, JSA matter, went to Court got convicted of benefit frau
  11. Can anyone help? I have some large credit card debts on about 5 cards. I have sent a standard letter asking for a copy of the CCA and had replies back but some seem a bit dodgy. I'm no expert sp I joined the forum to see if there is any help here for me. Do I tell them that I dont think they have complied with what I asked for and put the account in dispute and pay the £10 for the SAR? Are they legally entitled to chase me for payments while the account is in dispute? I can post documents if anyone wants to have a look. Cheers
  12. Hi, First post and I was hoping someone could please help me. I had debts when I was younger, I moved house in 2005 and recently started receiving letters from lots of different random companies claiming I owe money. I ignored them as I don't believe I have any outstanding debts, credit rating excellent etc. now a man turned up at 8pm last night and spoke to a relative claiming I owe money to GE Capital from a 2000 account/store card, and that the last payment received was in 2002. He left his card so I called him and told him I am not aware of this debt and an
  13. I have today received a letter from Equita bailliffs saying they are coming around to sieze goods for Non domestic rates when I took over a tenancy on a pub for 6 months in 2002. The council says the bill is £7000 but to this day I have never seen a bill, statement, request for payment. We took on the pub but due to being burgled twice we simply couldn't afford to pay the rent and the landlords entered and took posession of the property and kicked us out. We've finally got outselves relatively on track, but still have numerous debts to contend with and this is one that we simply
  14. Hi All I am so confused with all of this and going round in circles looking through the forum. So please help if you can.. I was called by Lloyds Tsb back in 2002/3 to ask if i wanted a £5000 loan. I needed a new car so said i would love it... When i went to the bank they said they would add £1500 interest and £1500 PPi onto the loan. I said i did not want the PPI and the girl said i prob would not be able to take the loan if i didnt as they might change the decision. I know the account number even though it is closed... I do not know the exact dates of the loan.
  15. Hi i took out a loan in 2002 for £12500 with an additional insurance. I got into debt somewhere along the line and ended up making a nominal payment in full and final settlement. Would I still be able to claim for the misold insurance or would it be offset against monies that were not paid.
  16. I have a list of transactions which includes all late and over the limit charges from 2002-2008, I also have a copy of the credit card application form. I want to reclaim all these charges back with contractual interest if possible or 8% if I have to The application states that the monthly interest is 2.25% of the account balance but how do I calculate the APR so that I can put this into the spreadsheet. Has anybody had success at reclaiming charges back from MBNA that are older than 6 years???
  17. as a letter came to my house and it is making me mad it says i have to pay about £600 well i don't get any of it so i wanted to ask u guys question about this letter notice to pay section 29(3) of tax credits act 2002 it says it's about over payment of tax credits "the total amount of working tax credit overpaid to you is ..." what the fuzz when was i ever paid. can anyone plz explain what is going on
  18. hello, this is my first post here, so there will probably be mistakes along the way but I'll try my best. I recently sent a SAR to hfc, this was replied to by them on 17/08/12 but not actually franked by them till the 22/08/12 and was received by myself today (my letter was dated and sent on the 10/08/12 and was signed for by them the next day. the letter says they need proof of my identity in form of copy of driving licence or passport, they also returned my £10 cheque and said once they have received a resubmitted claim with the extra info, their 40 days will start, is thi
  19. hi there...is it still possible to contact this company? HBOS or RBOS???
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