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Hey folks this is mainly for infomation, This is the second PPI claim I have done. Many years ago previously I had a graduate account and a large loan attached to it and was sucessfull in getting full refund of premiums paid PLUS interest and the remaining PPI removed from the loan. I have recently discovered evidence of PPI on my flexi loan from when I was a part time college student and before I took out the graduate Loan. (PS i was at college from 16-20 before some of you thin kI had a loan before I was 18) Details Below. Comments and Questions Welcome.
OK after concluding my case with the OC I am now in a position to deal with this. History Launched action Against OC for unlawful penalty charges and interest in restitution. This case was concluded to my satisfaction. The debt had been previously sold on to IDR. The OC did not purchase or buy back the debt. Now its time to wrap this up. Outstanding balance is £2670 ish I am unemplyed (but waiting for last paycheck to come in) and then will apply for benfits while I seek work. Both the OC and Link answered a CCA request with a reconstituted copy plus a few
OK history of the debt: Credit card Taken out: 2005 ish Original Creditor : HSBC Current Owner : HSBC Agent : Metropolitan (HSBC) Approx Amount : £1200 Current Status of the debt: £1 minimum payments to Metropolitan. Account defaulted and terminated 2012/13 after informing them I was on ESA (at the time) Offer made July 2013 40% reduction by Central Debt Recovery Unit. AIM: Evaluate the enforceability of this debt in order to make a reasonable F+F. ------------------- OK I have the SAR info already - Very little in the way of charges. No known PPI So w
OK just wondered if this was worth warning people about. Background Small Credit Car debt with HSBC £1100 Passed to their shady operatives in the Phillapenes "Metropolitan" Been paying £1 a month token payment for 6 months. Review has occurred, they agreed to carry on the same terms but sent a new Standing Order form. Thing is, I nearly blindly signed it but remembered that the original one is set up to carry on till eternity (or 999 payments) So checked at bank today and the old one is still going, payment went out today as normal. If I had blindly co