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  1. Hi all I had a mortgage with Amber Homeloans for approx. 8 years until 2017 and due to my own poor financial mismanagement, I incurred many fees for arrears, etc. Whilst I accept fault, given the time that has passed, is it still viable to pursue Amber for any excessive fees charged which were greater than the administrative cost to them? I am about to request statements from them in order that I can collate a list of charges, but perhaps it's not worth my while? Thanks.
  2. https://www.consumeractiongroup.co.uk/topic/408616-trying-to-reclaim-ppi-but-paragon-says-no/?tab=comments#comment-4978454 same boat mate, paragon say no and not regulated Paragon informed me that the PPI was done by warranty Holdings Ltd, guess what, now dissolved
  3. I had a personal loan from 1999 which had PPI on it. I didn't request PPI but the box on the CCA had a pre-printed tick in it. On challenging the PPI, Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them. The FOS haven't been much help. I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation. Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  4. I have just sent a letter requesting details of my charges to Peter Townsend, Manager, Barclays Data Protection, Radbroke Hall, Knutsford, Cheshire,WA16 9EU. He replied promptly saying that copy statements are underway and my cheque for £10 has been returned. However, he has asked me to explain what I mean by manual intervention. Elsewhere in the forum it has been pointed out that this is an indication that there is no manual intervention on the account. He has also advised me that "under the DPA you are entitled to a copy of the material held across the Bank that qualifies for discl
  5. Hi Everyone, Tricky situation, but I'm hoping for some guidance, found a few bits of info on here. Unfortunately my father passed away last summer. I am joint executor (with my sister who lives overseas). Here's the background but unfortunately I don't have much paperwork - He had a small bungalow worth £225k but also a £162,500 mortgage. This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only. He wasn't great with money(his whole life tbh) and soon fell into arrears. In 2006 it was sold on to Engage Credit. We are about to finally c
  6. Hi All From recent activity and instilled confidence boost - going through all my SAR's and have literally hundreds ££ of charges to be reclaimed. SO - Initially Thinking of reclaiming unfair charges for a Lloyds CURRENT a/c running through Sep 2001 till 2007. The current account is now closed and has been sold to DCA. Just wanted to confirm ( as not many recent threads on this subject ) is the best route to take ( as over six years old claim ) is : - 1 ) Court Action ( MCOL Claim ) ? including Pre-Action protocol. Just read from from an old post c.2013
  7. I took out a 10year secured loan from Ge money ten years ago this was transferred to prestige finance in November 2015 . The loan is at an end but I still owe 3800 . There are charges and interest on charges on this account approx 2000 without any interest etc . Can I claim these back I believe if I could it would clear the balance left . Also I've got to still pay this and cannot pay the whole amount . Do I offer to pay the same amount as I have been 600 per month ? Will they charge me more interest ? Also if I can claim who do I claim off Ge or
  8. Back in 2005/6 Ocean Finance arranged a large mortgage of about £400k for me. In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossed it. I still have all the paperwork. Am I right in thinking I can reclaim all the charges payed to Capstone SPML. which amounted to a lot including court costs etc , & about £25k early repayment fees, also are they known to have included PPI in with my monthly payments, & if so can i also reclaim that. Any help & advice you can give me would be gratefully received. Thanks
  9. Hi all , Been reading the forums for a while now , just about to try and reclaim better halfs catalogue and store cards charges. I believe the route to go is SAR each catalogue and store card. It seems over the years she has had two old Littlewood accounts and one current one and a current Very account , she phoned shop direct earlier this week to verify account numbers and to check address for correspondence they gave her a Chelmsford address which seems to contradict other addresses I have found whilst browsing these forums those being the innovation centre
  10. Hi there, I am currently in a 5 year IVA and completed 3 years so far Appox 30% of IVA was payday loans and I am now seeing many ads from no win/no fee companies claiming that they can get back not only roll over interest but more compensation too? Please can you advise if this is a good thing and also if its possible to do this while an iva is active? Thanks
  11. Hi There, I am new to this site and need some advice please. I have recently submitted a PPI claim to Natwest in respect of PPI. I sent them a copy bank statement (dated 1998) depicting 'Credit Card Repayment Protector' being deducted at GBP30.67 per month on a balance of GBP4151 per month. I rang them and they have stated that this is CPP and not PPI. I know that this is not the case and have told them that. Any advice at all please and thanks? I have been informed that a rough calculation is that the PPI would have cost 77p for ever GBP100 outstanding
  12. Hi All if any one can help , i am looking to claim credit card charges ,late payment and over limit fee . SAR done to capital one and received every thing account was opened in 2005 january . charges in total is £200 interest rate was 34.9% i have done the spread at the interest rate of 34.9% so total amount is coming nearly £9000. should i charge 34.9% or lower ? I have been to court few times on hearing with lowell and won (its was mobile phone contracts) this claim is for my survival and i am willing to go to hearing (if its comes to that point )
  13. hi all, I used halifax website to submit my ppi complaint. they correctly discovered my old loan and credit card 2004/6 and sent me a 7 page questionaire to complete and gave me six weeks to do so... I just had a text msg to say three weeks later they are still waiting questions: can they really give me timescales to complete their form? do i really need to complete their form... can i send them a completed fos form which requires much less information? shouldnt i send them one sar for full statement for each acciunt? any help would be gratefully received zubo
  14. Hi all, I am writing a SAR letter to Barclaycard as the first step towards reclaiming over limit and late payment charges. I've spent a couple of weeks reading various threads here that have been very helpful. I am trying to find the best address to send my SAR but am confused by conflicting information, some of which may or may not be out of date. London? Northampton? Knutsford? If someone could point me in the right direction I'd be most grateful - I don't want to stumble at the first hurdle! Thanks, John.
  15. I was going though some paper work and found some statements going back 2010-2015 with astronomical charges levied on my current accounts by Lloyds. I remember sending a letter in 2013 but forgot all about it. Again I sent a letter last year asking for these, but I was told it is too late. But I am just wondering whether to send them a fresh claim stating that although I started the claim in 2013 never got a chance to pursue it due to house moves and other issues. Do I still have a chance to claim or is there a time limit? Thanks CB
  16. Howdy, I got myself into a real mess with payday loans, going back to divorce/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation. From May 2012 to October 2013 I borrowed 10 times from Payday Express - deferring, refinancing, reborrowing etc. 10/8/17 - Sent formal complaint requiring refund of interest (£968.97) + 8% interest (£331.21) + removal of adverse
  17. I had my home repossessed in 2009 due to a change in circumstances. The mortgage was with HSBC who marked the debt as 'settled' on my credit file in 2011 although I owed them money. This was removed from my credit file at the start of last year since it had been 6 years since the settlement date. I am certain that I had PPI on this mortgage. If I try to reclaim this PPI will it awaken the debt? I have seen the rule of 6 years for standard credit card and loans but wondered what would apply to the mortgage?
  18. Hi Again I come to get great information and help. I was with PayPlan Plus for about 5 years, paying £22+ per month for payment protection. My questions are ... 1 ... Can I claim Payment Protection from a Debt Management Company even though it was a free plan 2 ... Can you advise of the address of payplan as i have since emigrated and no longer have anything from them 3 ... If successful They are not allowed to pass this on as a split to the creditors are they Many thanks for your help again. Very much appreciated especially as I no longer reside in the UK. Grumpy
  19. Here is my best attempt at summarising my dealings with Peachy: Date Borrowed Repaid Interest/charges 20/12/13 0200.00 02/01/14 0227.00 0027.00 03/01/14 0500.00 03/02/14 0645.00 0145.00 0500.00 03/03/14 0630.00 0130.00 04/03/14 0500.00 30/04/14 0677.00 0177.00 01/05/14 0250.00 29/05/14 0075.00(rollover) 0075.00 27/06/14 0327.50 0077.50 27/06/14 0500.00 25/07/14 0193.74 0141.00 29/08/14 0156.48 0089.05 26/09/14 0157.76 0060.82 31/10/14 0177.07 0056.69 27/11/14 0044.88
  20. Hi all, As I have posted in similar threads I got myself into a real mess with payday loansicon, going back to divorceicon/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation. Without going into the entire borrowing history, one of the many lenders was 247 Moneybox, from whom I ended up receiving a default for £483 in May 2015. I submitted a formal complaint
  21. HI I am getting a lot of grief from mercantile credit. I got some money back from a PPI using an agent and agreed to pay them an amount. I did not receive the invoice i got threatening letters from Mercantile saying they had taken on the debt and were taking me to court and coming round my house ( from Liverpool) I panicked and wrote to them saying i will pay the original invoice but not the charges added as i had not received the invoice. They would not accept my dispute i paid £110 and agreed a repayment over the phone of £100 a month for the next 3 months.
  22. Good Evening all, I was after some advice on if you think I could reclaim the late payment charges / over limit charges on an old credit card ? To cut a long story short I had a Halifax credit card running from 2002 - 2010 that I got into difficulty with, eventually running up an outstanding balance of £11,800 After many sleepless nights, countless number of letters back and forth, many requests for the singed original CCA, many threatening letters and a lot of advice from the CAG I eventually managed to get the debt written off, well not written off as such, Halifax made a ges
  23. Having successfully reclaimed PPI for son-in-law from both a loan and credit card from these chancers now I would like to reclaim the packaged account fees they fleeced from him over the years. Have all the information for claim from a SAR - appears to have have one for years with the fees increasing over the years - no letters or information in the SAR relating to benefits/selling process - was just told and accepted he need one - was very naive financially and has paid lots in fees over the years - all under control now with help from CAG. I would like to know which spreadsheet to
  24. Hello J Firstly thankyou for all of this information on this forum, I have had a look around but I think I need to start a thread in order to get some help. I am sorry for the length of the post and I hope someone makes it to the end of it as I know you would be using their own freetime to respond! J Much appreciation and thank in advance for this I wrote to Lending stream to claim irresponsible lending and I am hoping that someone could contribute their expertise to help formulate a reply to them. Id rather make one last attempt to settle with them before going to the ombudsman.
  25. An ex employer (well known supermarket)wants to reclaim £87 which it claims it over paid me. A little back ground information .. . I left after receiving a large bill from the tax office of just under £1700 as my employer had not been deducting the money from my wages, something I should have noticed I hold my hands up the that. When I joined them I was placed on emergency tax correctly then the code changed I thought it had been sorted. What they failed to do was take my pension into consideration when the code was set. They were made fully aware that I had retired from
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