I am moving house shortly and in the process of clearing out and sending a lot of items to charity or skip. I have a lot of correspondence from the financial institutions as I am now reluctant to throw anything out. In a prior life, I ignored correspondence from the banks, partly due to the scale of financial problems I had several years ago, which are now thankfully resolved. CAG gave me the courage to turn things around. Any way, came across a personal loan agreement from 4 June 2003 for a consolidation/ reschedule personal loan agreement with bank of Scotland. Details are: Advance £7,500 BOS Creditcare Bronze £2,301.75 Amount of Credit 9801.75 Total charge for credit £2466.45 Total amount payable £12,688.20 APR 8.9%. I repaid the loan in full some time ago, not sure when yet. I have since been repaid bank charges for returned DD etc. The account was never in dispute nor was a default issued at any time. Thankfully credit record is A1 now. I intend to reclaim this PPI and have today started the process off by handing the following letter to my branch. I will update as we go along. I did not know of this PPI until the weekend and obviously was not counting on the money- its a bonus. Upon successful completion of this claim I will forward 20% to CAG as a contribution towards site costs. I can't contribute more as my daughter is off to University soon. As I had a fair number of other loans, I will start the reclaim process to check what other PPI I might have been sold. Bank of Scotland 23 August 2010 The Complaints Department Dear Sir/Madam, Ref: Agreement No: xxxxxxxxxxxxxxxxxx Mr and Mrs Kennythecelt I believe I have been mis-sold a payment protection insurance policy (PPI) Creditcare Bronze, by you and I would like to request a full refund of my premiums, plus interest paid. This loan has since been repaid to you in full by me, before the due settlement date. I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation upon me as I did not need this insurance and I said at the time of taking the loan that I did not want it. I have only recently found out that I was mis-sold the PPI policy by you. I took out a £7,500 loan on 4 June 2003 and was also sold a payment protection policy by you called Creditcare Bronze which cost me an extra £2301.75 over the life of the loan. You sold me this policy as a pre-requisite of providing the loan to me. I enclose a copy of the loan agreement for your information. Please note that the reason you advanced me this loan, and I draw your attention to it again, it is noted as such on the attached loan agreement for "contra/ Consolidation/ reschedule". This means that you would be aware that I had financial difficulties at the time and could therfore not afford the luxury of a worthless Payment Protection Insurance policy paid up front with interest at 8.9% added for the privilege. You will also note the absurdly high number of bank charges that I was charged by you on my current account on a regular basis at this time which lends weight to my argument. The policy was mis-sold to me because: It was sold as a condition of the loan being made available to me. I had pre existing medical conditions which would have meant that I would not have been able to make a claim for those conditions. In effect, the policy was useless to me. I did not see the policy in advance of signing the agreement to make myself aware of its terms and conditions, as you did not make me aware of them. Indeed, I did not see any paperwork relating to the policy until a courier delivered my loan cheque to me. There was no cooling off period for the insurance policy and I believe there should have been one and it should have been highlighted to me. The policy was a lump sum prepaid policy and I had to pay you interest for that policy for the period of the loan. This was not explained to me. I was also not given the cheaper option of a monthly PPI policy, which would not have accrued interest over the duration of the policy and which would have been easier to cancel. It is not easy to cancel a prepaid policy as it is paid up front. The monthly payments to you would have been considerably less and more manageable to me, if I was not sold the policy and related interest and instead sold a monthly policy. I was not asked if I had other insurances/ policies or financial measures in place which could provide me with cover if I needed it or the means to repay the loan amount. I was not offered a choice of market placed products, but directed to a policy which you provided me with. Presumably, you had a business interest for doing so and I would like to know what this was please. You did not take steps to ensure that the policy was in my/ our best interests. You did not make a comparison of products for my individual circumstances. You did not inform me that you would make commission from the sale of the policy to me or what the commission was. Can you please tell me commission you received. At the time of entering into the agreement with you, I was employed by XXXXXXXX Council and my wife with XXXXXX City Council. You were aware of these facts as our salary was paid directly to my bank account with you on a monthly basis and indeed, the loan agreement notes that we are both employed in Local Authorities. In the event that we had an illness during the period of the loan and PPI policy, both my wife and I would have been provided with sickness pay for a 12 month period (6 months at full pay) which was better than the policy you provided me with. At the time of the policy being sold to me, I was at no risk of redundancy as I was employed in local government. The only type of redundancy would have been voluntary and the terms of voluntary redundancy would have been very favourable and enough to repay the loan. Consequently the PPI policy you sold me as a condition of the loan was worthless. I believe that you have recently reviewed your policy on sales of PPI due to recommendations from the Financial Ombudsman Service and the Financial Services Authority due to complaints about circumstances such as mine. These policies were recommended to clients such as me by your sales staff who were on commission as part of their salary and conditions of service and I was not made aware of this by you or the salesperson, who I assumed to be a member of staff not motivated by sales with my best interest at heart. I now respectfully ask that you investigate the selling of the policy to me and make arrangements for full repayment of the policy amount and all interest on the policy (at fixed rate of 8.9%) that I have paid to you until the loan was settled. In addition to that sum, I require interest at 8% on the above sum, from the date of the loan agreement and PPI until you settle this claim with me. If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman and I am prepared to seek legal redress, for which I would claim costs and time in full. I understand that your complaints process takes 30 days and I expect this issue to be resolved within that time. Yours sincerely Mr and Mrs kennythecelt

hi all am just new to this forum dont know who else to turn to i am 30 years old and from glasgow scotland i have been a - halifax personal customer 25 years bank of scotland business customer 6 years the story so far (27 days no access to funds) 3rd december 2013 block put on my halifax personal and bank of scotland business account 5th december went to pay for fuel at petrol station both cards didnt work. 6th december went to local branch they informed me accounts is blocked contacted complaints informed me that i would receive a letter in the post they couldnt give me information on the phone 9th december letter received states in letter that my accounts have been blocked due to processing error 10-11-12-13-14 december constant calls and branch visits to try get problem resolved to no avail same old excuse processing error and they pass me round different departments like an old scud book and there all really sorry and working on it 15th december contact financial ombusm made big complaint about them and told them am in bad situation as this is really effecting my company that i run with 3 employees who i have not been able to pay. informed me can take upto 8 weeks before do anything 18th december feeling very down all letters from my car, van , insurances all my bills phone, tv,life insurance, mortgages all demanding money off me. called fos again explained the extreme harship this is causing me they said they are going to put a request in to fast track it for me which sounds good to me 24th december extreme hardship not one pence left to my name borrowed from friends and family to buy food and electricity to get me by 30th december sitting in my friends house typing this to ask for everyones help and advise. i have no money for food, electricity,fuel for transport or gas for heating i went from runnin my own electrical contractors company and i have around 40 thousand of my life savings that i worked really hard for in my life tied up between my 2 accounts. went for other visit to halifax branch the man at counter says really sorry can do nothing and he has only seen one similar case where someones account was blocked for 7 months i cant wait that long i will be dead before then im suffering extreme depression and everyone i talk to is just really sorry i need answers and fast im really lost.(HOW CAN BANKS GET AWAY WITH THIS!![ATTACH=CONFIG]48381[/ATTACH][ATTACH=CONFIG]48382[/ATTACH][ATTACH=CONFIG]48383[/ATTACH]) i would appreciate any feedback or advise thanks and god bless.

Hello everybody! I have an issue with Bank of Scotland regarding an account that I have opened with them. They have blocked theaccount and are refusing to return the 8000GBP that I have in it. The account was opened for myself as self employed. After 9 months since opening it was closed without explanation by BoS. This happened 2 years ago. Since then, they have refused any communication with me and to this date the reason of the closure of this account is unknown to me. I have contacted the Financial Ombudsman Service and after their investigation they have concluded that I need to take them to court as there is nothing they can do to help me. It appears that Bank of Scotland has told the Financial Ombudsman office the reason but they've asked them not to disclose it to me. The money belongs to my business, the tax on them has been paid and I have all the documents to prove that their provenience is lawful. The account was never overdrawn, no illegal activities were made, I have never owed any money to anyone and I still have no debts whatsoever. I have no knowledge or idea why this has happened and since then my trust in the whole banking system has been very low. I would really like to get my money back and find out why and how this can and has happened. Does anybody know what shall I do at this point? Thank you.

* Can you help please. I am looking for advice on behalf of my partner. He was diagnosed with a brain tumour back in 2009 and doesn’t need the added stress of dealing with debt so I have been managing it for him. He has various debts which were originally with the Bank of Scotland. They were passed on to Blair Oliver Scott when he failed to make his payments. When he was in hospital for 5 months I was able to set up direct debits for him and now he has made serious dents in what he owes. He has three debts to Blair Oliver Scott which he is paying monthly. One is a credit card, the other two are loans. I filled out a form online for him about 6 weeks ago re PPI on all three of these debts. He received a letter from the BoS asking him to go into his nearest branch and update his address etc. He did that straight away. He then received another letter a few days ago asking him to do this again. I was just about to post a letter from him, stating that he has already done so, when he received a letter through the post from the same customer services advisor stating that they have not ‘found sufficient evidence to agree with your allegations that your PPI policy was mis-sold. As such I am unable to uphold your complaint’. The letter goes on to say: ‘As part of my review, I have considered whether you were eligible for the policy and whether the policy was suitable for you. I have also taken into account each of the concerns you raised with us in your complaint and I can confirm that I did not identify any other issues when reviewing your file. Having completed all of these steps, I went on to look at your complaint as a whole to ensure that we acted fairly towards you in relation to the sale of your PPI policy, giving appropriate weight and balanced consideration to all available evidence. I am sorry that you felt the need to complain about your PPI and appreciate that my full decision may be of disappointment to you. However, I can assure you that I have fully investigated your complaint and all the surrounding circumstances. The letter also states that someone tried to call my partner but they were unsuccessful, he hasn’t received any calls. They have given him an FOS leaflet and said he has the right to refer to the FOS. I am still going to send the letter stating that he has visited his branch with identification etc because this letter re PPI not upheld only refers to his outstanding credit card and not the loans. I know for a fact that he did not understand what PPI was, he is awful when it comes to finances and got himself in a bit of a state some years back. He doesn’t even understand about interest etc and pretty hopeless when it comes to facts and figures. I have sorted it all so that he has since Nov 2009 been paying monthly direct debts to all of these outstanding debts. Can someone advise us on what to do next? He first took out this credit card in 2002, it states that ‘prior to 2005 the sale of PPI was not regulated by the FOS, however, we were members of The General Insurance Standards Council (GISC)’. The form that I filled out in his name re PPI and sent by email stated: 1) That he didn’t know he had PPI (This is so true, he doesn’t know what it is) 2) He was not told that PPI was included in the price he was paying (again so true). 3) The policy exclusions weren’t explained to him before at the time he took the insurance. You were therefore unable to make an informed decision as to whether the insurance was appropriate. (He doesn’t recall anyone sitting and explaining what it is or how it would be added to what he was already paying. Also the letter states that he must respond within 28 days from the date of the letter (13 April) otherwise they will consider the matter resolved. Can you please advise me on what to do next please, I want to him help him with this because it’s shocking that he has paid out on insurance he knew nothing about. For the record he did this with building insurance. He was paying it twice, through his factor and on his mortgage, I noticed it and got him a rebate from his mortgage company. It just shows you that he really doesn’t know. Thanks in advance. Erica x

]Hi guys, This is my first post on here so please be kind. I defaulted on a Mint card way back in June 2007 for £4,500. At that time I was in dispute and refused to pay monthly payments until this was sorted. I then heard NOTHING for five years and for the first 18 months of that the debt appeared on my Credit Expert file as an ongoing 3 ball. last year however, I received a letter from the dreaded Arrow Global who informed me they had 'bought' the debt from Mint. I asked a barrister who informed me that selling a debt is unlawful, but non the less they are still taking people to court and winning! I got onto Mint and asked for proof of being in 'default'. they sent me a letter telling me when I defaulted and the date they CLAIM to have sent the letter out. However, they also told me they could not send me a copy of the default letter as they are printed and sent out automatically. My questions are these: Can a non- regulated debt collection company like Arrow Global really take me to court and WIN? What can I do to verify whether Mint have ACTUALLY registered a default against me and if it is legally binding? Can they do this if there is no legitimate proof of my going onto default? Can Arrow Global still take me to small claims court without a proven default notice? What can I do to fight this and sponging ambulance chasers like Arrow global?

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?

Last year i recieved SAR from AA loan i had it was with RBS i sent off letter asking for ppi payments back and recieved rejection letter i pointed out my pre existing medical conditions and the fact i was not asked if i had any and got letter back stating i was affected to some extent by the exclusions of my ppi policy however the extent of the affect means that there was no impact on the suitability of the ppi policy so they would not uphold my complaint. As this was there final response i decided to file a court action on MCOL i filled in brief description of claim and was surprised to get a defence filed straight away from there legal team stating that the ppi was statute barred under the limitations act of 1980 I filled in my particulars of claim showing evidence of my medical records and sent copy to court and there defence heard nothing until November 2012 when had order from court saying unless defendant files allocation questionnaire by 4 pm on 28/11/2012 defence be struck out and judgement be entered for claimant. I was duly awarded judgement and heard nothing so contacted there legal team who told me that they disagreed with the judgement and insisted the ppi was out of limitation of six years as that is what it says on the ppi claim adverts on television so being denied my money i served warrant and payed £100 fee to bailiff to recover. had phone message left of the court telling me to attend on Tuesday for half hour hearing for direction of judge Phoned bailiff who tells me he can not enforce warrant as royal bank of scotland address is a po box number and he wont get passed security. There address on money claim on line is Bank of Scotland PO box 761 Leeds West yorkshire LS1 9JF Is there any case law the defence can produce to prove that the ppi is statute barred i understand the loan and any charges would be but the ppi is a insurance policy and as far as i can see it does not come under the limitations act any thoughts and help and advise would be appreciated thank you in advance iklt

I'm in Scotland, I suppose I should get that part out of the way. I had a BoS credit card (opened the account in 2001), which had a balance of £ 8,246. I was no longer able to pay the monthly bill (due to loss of my job because of long-term ill-health) and, stupidly, stuck my head in the sand. (I should also point out that over and above this credit card I had been, and continue to be, a Bank Of Scotland customer, with both a saving account (that's a joke lol) and a current account. The default date was June 2007, and a decree was granted at the local Sheriff Court on 8th January 2008, and the Decree was extracted on 23rd January 2008. Again I ignored that, along with the subsequent 'Charge For Payment Of Money' (left at my address by Sheriff Officers on 2nd July 2008). In the past couple of years I've been VERY slowly trying to sort out my credit file and have made some progress (some other credit agreements have dropped off my credit file and others have been time-barred and removed). This BoS debt is the only biggie I have left hanging over me but I'm not sure how to proceed. Should I just hold tight until after the 6 year anniversary of my default date (which is now only 8 months away) and it drops off my credit report? Or will that not happen because of the legal stuff connected to this old credit card debt? Another slight concern is that, since that time, after my marriage broke up and I had subsequently moved house to live on my own (hence being able to work on my credit file without external interference lol), I was able to open my own individual cardcash account. This was the only bank account available to me at the time because of my poor credit history, but after a year of maintaining the account in good order, I was offered a full current account. I still have both these accounts and have had no problems with them and have even had the occasional overdraft facility in the past. So......are BoS likely to make a move on my current account because of this old credit card debt? I guess the gist of this verrrry long, rambling story is....will the credit agreement details be removed from my credit file after the 6 year mark (regardless of the legal stuff) and can BoS make any claim on my existing accounts once this credit agreement drops off my credit file? Phew!

Hi there, I have already posted about a few other debts my other half has on other threads, not sure I have done this correctly. He has a Northern Rock loan which I believe he took out in 2004 alongside his mortgage, it was before we were together. I got him to write and as for a copy of the original agreement which they have sent. I find it unbelievable the interest rate that he is paying. It looks like he took out an unsecured loan of £22,498.00 with an APR of 7.1%. He has since sold his flat and paid off the mortgage with the sale. But the loan states that if paid in full the rate of interest charged goes up to 5.00% above the current standard variable rate for mortgages. So since he paid it in 2008, he is now paying a 9.79% interest and hardly making a dent in the loan. Quite unfair considering he would benefit from a lower variable rate. With a loan outstanding at just above £20k he is paying £204.70 per month and yet about £170 a month, it's horrendous, is there anything we can do about this? He tells me that he got into a bit of trouble while back and ended up paying them a fortune in charges for his mortgage being in arrears along with the loan, can we claim that back? I'm trying my best to help him and if we can claim something somewhere it might help pya off other debts. He is paying Blair & Scott I think for three outstanding debts and being doing that every month for the past two years without a fault but I know that he had charges for all of these too, what a mess, in need of help?

In 2007 i took out a hired purchase agreement on a car from Bank of Scotland. I am in my final year of the agreement with only four months left before i have to pay final balance. The strange thing is four months ago they stopped taking payment from me (I have a standing order set up). A few months ago i recieved a letter from Bank of Scotland stating they have transferred this agreement to Lloyds but all payment details will stay the same. Fair enough i thought! Last week i recieved another letter stating that the agreement has now been transfered to Lex Autolease, which is also part of Lloyds telling me to set up a new standiing order with them. I find all of this ridiclous as i do not feel it is my job to chase them to collect my money. This should have been done automatically without any problems. Now, i have recieved a letter from Bank of Scotland telling me that the account is overdue. What i would like to know is what are my rights in this case? Are Lloyds and Bank of Scotland now one? I need to request my original signed agreement but as far as i am concerned i took this agreement out with Bank of Scotland, not Lloyds or Lloyds Lex Autolease. Any suggestions? Could i potentially write this off and keep the car?

Hi, We had a vehicle on a 2 year contract hire between 2006-08, all sums due under this agreement were paid, save excess mileage, rectification etc. However at the end of the hire period we retained the car and called the company to request an extension quote. We heard nothing for six months and called back to be told we would receive a quote etc. At no time was the vehicle requested back or un-lawfully witheld. Just over a year later we received a letter requesting the vehicle to which we complied and it was picked up. We then received invoices for the full years rental at the original rates and have now received a Statutory Demand for the rental plus costs ? Advice ?