Hello In 2005 I took out a credit card and current account overdraft with First Direct. After getting into difficulty and missing payments for a while, First Direct combined the two accounts and issued a default in 2012. Last year they assigned the combined account to 1st Credit. Neither First Direct nor 1st Credit informed me that the accounts were combined/consolidated - I only know this from looking at my credit report. 1st Direct have recently started sending weekly letters asking for repayment - starting with a 20% discount 'offer'. Last week, I sent the CCA request with £1 payment. Very quickly, a couple of days later, they responded and returned my £1 postal order saying that the account was a current account and therefore not covered by CCA until 2011 - again not mentioning the fact that two accounts had in fact been consolidated. They also said in the letter that they have requested copy statements from First Direct and my account is on hold until they are able to send them to me. I received another collection letter today but this was dated the day before the letter responding to my CCA request. I would be grateful for any advice on next steps once 1st Credit resume collection letters, which they surely will. Should First Direct have combined the two accounts in the manner they did and should it be covered by the CCA as the overall total includes a proportion of credit card debt (in fact the majority of the total)? Thanks

Hi, Hopefully someone here can help or give me some advice regarding ppi and this single premium ppi. since 1999 my partner has had several loans with lloydstsb including credit cards. The first loan she took out in 1999 (struggling to find details except for policy number), the next in 2001, 2003, 2004, 2005. Each of the these policies had ppi on them, paid for as 'premium advanced as part of loan', I believe also known as single premium ppi. Each loan from 2001 was a consolidation of debts (2001-£2500, 2003-£5500, 2004-£8000, 2005-£16000), and thus none of these loans ever reached its full term, though if I understand correctly, with premium advance as part of loan, she would have paid for the whole ppi cost upfront on the loan, which was then added on each loan thereafter as well as the interest they charge. I'm told that these single premiums are part of mis selling?! The final loan in 2005 was paid off early in whole, would this therefore have included all the ppi too? If so surely this should be refunded also. Digging through old paperwork we have found three of the personal loan agreements Which we have been trying to get our heads around. Two of the agreements show cash loan to you, optional loan protection insurance loan, loan for repayment of existing debts owed by you and total loan ( e.g. 2004 consolidation loan, cash loan to you £2000, optional loan protection insurance loan £1800, loan for repaying of existing debts owed by you £6500, total loan £10000. Under those headings the monthly premium £42, £37, £135, total £215. The loan protection monthly payment is almost as much as the cash loan of 2k) Only one of them actually states the interest on the loan protection loan giving the total price of the loan protection, the others dont. (Seperate to the fact that she was advised to have ppi from what she can remember when she took out the policies in the branch, it was recommended even though she had an income protection plan already running from 1997 which was also purchased through lloydstsb which she is still paying to date?!, why would someone take out ppi when u already have some cover in place should illness or accident become an issue) Sorry this maybe slightly long (and hopefully am in the right area in the forum), but just wanted to try and explain as well as I could. Am I right that this is indeed miselling? When speaking to Lloyd's over the phone they requested a questionnaire be completed and returned to them. We have a lot of the details but not all of them. What concerns me is wording the complaint in the right way, I'm told its crucial, can anyone offer any advice or who would be best to speak ref this. Any help or already worded paragraphs would be greatly appreciated Many thanks