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Found 18 results

  1. NatWest Mastercard - account opened in 2009 with a £950 limit Account was passed over to Cabot in 2016 after NW got tired of me paying a minimum payment I WAS paying Cabot a fee per month (Have since cancelled that over a year ago now) Cabot was CCA'd end of 2017 -acknowledged letter but never sent CCA I've recently SAR'd NW and have now got from them statements from 2009 and a CCA Have seen on statements that there was PPI on the monthly statements from 2009 - 2010 (£7.90 p/m) Also late payment fees and over limit fees on some months from 2010 -2013
  2. I have recently located quite a few old statements with credit card payment protector amounts in respect of an old Natwest Access card that I previously cleared and closed in 2001. The issue now is that I am trying to locate any sort of credit agreement and I will keep looking but in the meantime, I was going to submit a CCA request. Could someone kindly advise what address I send it to and to whom is the cheque for £1 payable to ? I have had prior dealings with NatWest / RBS but for some reason their seems to be various addresses ? Thank-you for your help.
  3. I had a NatWest Mastercard and I also had a NatWest Mortgage. I want to obtain details, so propose going down thw Subject Access Route. Should I send in separate SAR's (if so, will the addresses be different?) or should I just send in the one SAR whilst including the account numbers for both Mortgage and Credit Card? Any advice would be appreciated. Thanks.
  4. Good afternoon I have received the attached response following a CCA letter. Is this contact or not as they are now saying the debt has become enforceable. If not correct what do I need to do now. Below is my original post re this Many thanks http://www.consumeractiongroup.co.uk/forum/showthread.php?467679-Unable-to-pay-DMP-as-now-unemployed CCA return.pdf
  5. MasterCard is facing a multi-billion pound damages claim that could reach £19bn for imposing allegedly illegal card charges. The claim, the biggest in UK legal history, will be one of the first to be filed under the Consumer Rights Act 2015. The Act enables a collective damages claim to be brought on behalf of a class of people who’ve suffered loss. MasterCard was found, following a long-running legal battle with the European Commission that ended in 2014, to have infringed EU law by imposing charges (known as ‘interchange’ fees) on the use of MasterCard debit and c
  6. Hi CAG Back in 2007 I had an HSBC Premier account. I also had an HSBC Mastercard For each, i paid a monthly fee. As I had a premier account, I was entitled to a loan from HSBC. I took out this loan to which i just made repayments. I cannot remember about any PPI applied to this loan. How do I find out if I have PPI on my Mastercard and loan? How can I find out if I am entitled to refund of HSBC Bank Charges ? Please help. Thank you BurmaFriday
  7. I originally had a SW Mastercard account opened in December 1997 in which Cardholder Protection Plan was automatically added. The account was closed and paid up in April 2001 due to the merger of Scottish Widows and Lloyds TSB. I previously sent Lloyds a SAR and CCA request in which they responded that they had no details for the account. I located various statements and the original uncompleted postal application form for PPI. Submitted PPI mis-sale complaint 18/10/15 with completed questionnaire including statements, insurance details and other documentation evidence. Tod
  8. I previously requested CCA details recently and received a reply advising that due to high volumes of requests that they would respond as soon as possible. 12+ days have now surpassed - do I chase again giving them another 12 days to respond or is there another letter that I send regarding failure to respond ? Cheers
  9. I have just been advised that my PPI claim with RBS Mastercard has been upheld. I have most of my statements just a few missing and wondered if someone could kindly advise what is the correct spreadsheet to use in calculating amount of rebate ? I am just awaiting an offer from bank but wanted to have a benchmark figure in my own mind. Thanks
  10. Just having a pop at Cashplus MasterCard. Do not get me wrong , the card and service they provide are fantastic. I have been with them since 2012 and never had any issues. As i use their credit builder program and pay no monthly fee they give me an optional extra service called I-Advance. It is a sort of payday loan for a month If ever needed i have the facility for an instant approval on line for a credit advance up to £50.00 deposited into my cashplus account instantly. When i take this up i pay back £60.00 for a £50.00 loan in 28 days They have now increased that by £2.
  11. Hello, I just received my information back from the Royal Bank of Scotland today from a SAR I sent them end of June 2014. One of the requests I made was for my RBoS MasterCard Credit Cards. I received all of my credit card statements from 2004 but they only go as far back as October 2001. I had my credit card from the mid 1990's So I contacted the SAR Team at RBoS Cards Customer Services at Southend-On-Sea (0845 835 5470) I told them I only received my credit card statements but they only went as far back as October 2001. I was also told that they chang
  12. Hi, I have just got a letter from Bryan Carter solicitors / Lowell financial stating they have issued proceedings on what i think is an old lloyds mastercard debt - not 100% sure because they only quote the account number and it looks like a mastercard number. I have no paperwork on this debt and believe it dates back to 2008 - maybe earlier. The principle balance quoted is £1762.73 . - which is higher than any credit limit i had - and then they say court fees of £80 and solicitors costs of £75 will be added. Could you please advise me on what i should do now - i don't believe I
  13. Hello All I have a situation where I have presented what I consider to be a valid S75 claim against my Mastercard. The value exceeds £500. With S75 claims of course it's assumed there is either a dodgy vendor refusing to refund or that can't refund due to liquidation or being incontactible. In this case it's the former. So far, the lender/creditor has denied my claim on what I consider a rather dodgy basis. They have not gone down the route of saying my claim is invalid due to T&C's or some other such, they've said the following: 1. The payment reference on the Credit Card s
  14. I regularly get statements from Clydesdale Mastercard where the interest charged per month is higher than the minimum payment; there is a regular debit of £3, but aside from that, there is no use on the account (their pin change service has always resulted in the card not working). The interest is around £10 more than the payment. Is this actually allowed?
  15. Hi people, Looking for a little help here for my parents. In 2004 they moved to the area they live in and my mother took out a store card at her local Debenhams, well its was a Mastercard but she's not that clued up. She doesn't work and is supported by my father. Anyway, recently retired and exceptional credit my father noticed PPI payments of £90 pm. So over the last 2 months he's trying to cancel the PPI and claim it back. Santander are being tough and are fighting the claim. They have received a letter from Santander about a final decision saying that it is not a mi
  16. Hello All, My husband had a Lloyds TSB Mastercard between 1996 to 2008. We don't know if there was PPI on this credit card account. We can't find any of our original paperwork or even an account number so he called Lloyds this morning to see if they could do a general search and they advised that we would have to write in to request this information as they are unable to go back that far. I'm not sure what he is meant to send in as we haven't got any of the original paperwork to refer to, would this be a SAR? We just wanted to make a general enquiry to see if PPI is on the accoun
  17. Hi I have/had a credit card with Creation/sygma bank. This was done in the MK One store where I used to live as a student. Obviously being a student, and absolutely skint, I thought "ooh free money" - How stupid!! Things with the card got out of hand, and Im not even sure how much I used it, owed in total: anthing!! other than I never paid it, and a few ears later after being chased by Lowell Portfolio, I owed £736.33 After a few letters back and forth, and a lot of help from you guys, I eventually got them to stop contacting me, as Id asked for a copy of the original credit agr
  18. Credit card companies Visa and Mastercard and major US banks have agreed to a $7.25bn (£4.65bn) settlement to retailers over card fees. The case, which has been going on for seven years, is over firms colluding to fix the fees that stores pay to process credit and debt card payments. The settlement is thought to be the largest of its kind in US history. It involves a $6bn payment to stores and an agreement to reduce swipe fees for eight months, valued at $1.2bn. An additional $525 million has been set aside to pay to the stores which sued individually, including grocery chains Kroger and
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