Hi! I've just received a rejection letter from Santander, apropos a Principles store card dating back to the 1990s. I'm adamant the PPI attatched to this was mis-sold on a number of levels and have every intention of pursuing this – as far as court should it prove necessary. In the meantime, with it being some time since I've made any PPI claims I'm a little bit out of the loop and would appreciate any more information on where, exactly, we're at with regard to the Financial Conduct Authority's investigation into undisclosed commissions. I've done a good bit of Googling but can't find anything to suggest the FCA is set to reveal its position any time soon and, this being the case, hoped a fellow CAGer might be able to shed some more light on this - in particular, how the FCA's decision might potentially advantage my claim and when we might expect some kind of announcement from the FCA. Thanks in anticipation Fred_Funk

Hello All! I have not posted here for a while mainly due to ill health. However,as I feel abit better,I want to run through with you folks as written below: Scenario as follows: 1.Obtained unsecured loan for doubleglazing just over 10 years ago. 2.The loan had PPI added to it 3.After obtaining a SAR it was revealed that there was a “secret commission”. 4.Original creditor sells debt to DCA . 5.Arrangement is made to clear the debt(Tomlin Order) with DCA. 6.Arrangement is broken and CCJ is obtained by DCA. 7.CCJ was then followed by Charging Order on my home. 8.Having read through various posts the original debt seems to be unenforceable mainly due the “secret commission” . 9.The commission was given to the dg salesperson that I was purchasing at the time. 10.The company that I had bought the dg went into liquidation a few years ago. All the above happened several years ago. I have been too ill to deal with this earlier but feel abit better and ready to deal with this now. My questions are as follows: a.What is the best way forward in order to sue either/both the original creditor and the DCA and get the CCJ removed? TAKING INTO ACCOUNT…. 1,The original creditor should have never sold the debt as there was an ongoing dispute. 2.Also as it seems that both parties knew that the debt was unenforceable. 3.I did receive a rebate of PPI from the DCA but I still believe the balance has an element of PPI remaining due to compound interest. b. How can a DCA go to court,obtain a CCJ and then a Charging Order with the full knowledge that it has no right to enforce the debt in the first place? Is this not a form of fraud or deceit? Or worse i.e.contempt of court? c.Can I obtain a refund of any of the payments that I have made whether to the Original Creditor and/or the DCA? Naturally I would have already made more than enough payments to cover the value of the “cash purchase” value plus some interest. d.Is it correct to say that I would only legally owe the value of the item but not the interest as the secret commission voids the agreement? If you have any questions,please just ask. Many thanks in advance. Note:I have NOT included the name of the DCA due to ongoing litigation.