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  1. Preference Account HBOS Another account being collected by a debt collection company This account was under taken back in 2008 on condition of a loan application being accepted by HBOS for £12,500 Account opened in 2008 and defaulted in early 2010 I wrote in March 2010 requesting that due to problems the account be closed and charges/interest be frozen or accruing on the account. ( Have letter from March 2010 ) Just located documents/statements from 2010 as follows April to sept 2010 defaults fee's, 5x£12 late fee's 5x£12 over limit fee 1x£12 were added to the
  2. Afternoon everyone, Came across an old BOS preference account statement and it got me thinking about a car loan that I took out in 1999 for £7500, where they gave me the account when taking out the finance. I don't have any credit agreement or statements for the car. Don't remember if I took any other cover on the finance though ! Only thing I have is the account number for the preference account. Is there any way to try and track down an old agreement to see if I was mis-sold ppi? or is that not how it works ? thanks z
  3. Good afternoon I am currently in the process of collating and organising my PPI claims and I have a query about one that was taken out along with the dreaded Home Shopping Personal Finance account back in 2009. Looking at the documentation, the acceptance letter for Creditcare states that this is cover for 'Credit Card number:xxxxxxx'. Now, when I received the letter that had the Visa Debit card attached for this preference account it states the following: "Here is your new visa debit card for your preference account" "Your new Bank of Scotland Visa Debit card is NOT a cred
  4. I was on the TPS Corporate site earlier today to see who they allow access to their lists. One of the Companies is Tracesmart Ltd, Tracesmart offer many services but one is a tracing service for debtors. They also offer a service called “TracelQ”, this allows DCA's to log into their systems and trace debtors. So you register with the TPS giving them your private home phone number with address to stop telepests, TPS then allow a debt tracing Company (Tracesmart) to access this information, who then download & store all of your personal details, Tracesmart then allow DCA's to acc
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