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About Me


Found 9 results

  1. Having endured months of disgusting standards of customer service and making multiple complaints resulting in 4 separate compensation payments totalling £160 and £150 of refunded fees, I have now had the final insult. After a long spell of unemployment, earlier this month I managed to land a job offer in the financial sector. I was informed at the end of the interview that a formal offer of employment would be pending a CRA check. To my utter surprise, a few days later I received a very apologetic letter from the employer stating that I had failed the credit check, and therefore regretta
  2. Please can anyone offer me some advice, I owe 12K to welcome and I am paying them back at a reduced rate, however everytime I get a phonecall off them they ask for date of birth, so I give it to them and some will say that it is fine and other people will say that we have a different date of birth for you, but then go one to talk about my account. Am I right in saying that this is against DPA as if I give a different DOB to what they have on their records they should not continue with the conversation? Also how far back can you go to reclaim PPI I believe I too
  3. Hello. I've been reading many posts about reclaiming charges/fees/interest added/mortgage exit admin fees from mortgage lenders including accounts that were settled some time ago so I thought I would send a SAR request for this mortgage account which was settled early switching to a remortgage with another lender. The only details I have are; the account number, the settlement figure paid (I do not know if MEAF or if early repayment charges were included in the settlement paid) and the date it was paid. I do not know the date the mortgage began. I can not find any address for Pl
  4. Hello I requested SAR on NatWest credit card - they sent me copy statements for the last 6 years and a few typed notes going back a couple of years. That's all. I have been making nominal payments. Trouble is I want to see older information to clear up some queries I have in my mind - namely PPi and why I was paying a fixed amount each month some 5 to 6 years ago - e.g £40 per month - BUT they charged interest of £26! I was in financial difficulties at the time. NatWest say I did not have ppi when i TOOK OUT CARD - but cant provide copy of application form. How can I trust them?
  5. In 2009 I requested a CCA from Barclaycard and SAR. No response. I put the account in dispute until I received relevant terms and conditions applicable to me at time I signed Barclaycard in 1998. They kept sending me current terms and conditions. At this point I no longer had use of the card and had not made payment for some years. in 2010 unknown to me Barclarcard has entered a default for the same credit card twice. What should I do? Do I dispute the default? Any advice appreciated.
  6. Hi All, New to the site and very impressed by what I have read. Great support from the site team who appear to be more knowledgeable than the advisors at Gladstone Brookes:-). I am just starting down the road of reclaiming what was wrongfully taken from me, MY MONEY:-x. I have a couple of questions that I hope someone might aswer for me regarding the very start of the claims process and who I should be sending SAR's to. I have just today sent off a SAR to my bank, RBS, to find out how many financial institutions have been doing me over the years, I like many do not have pa
  7. Hi all, I recently did a data protection request to MBNA, as I wanted to prove the had harassed me. ( 14 phone calls in one day! ). They sent me a copy of their call log, but it makes no sense to me. The comments section is full of statements like "...Calling frm monile edu req until ver sec ..." ( The word monile wasn't my typo by the way! ). Obviously there is no way I could understand this. Are there any rules regarding the information they send? Or are they just allowed to send something which means nothing to anyone outside MBNA? Thanks all. xxxxxxxx
  8. I have sent a SAR to Capital one which has been ignored by them proabbly as they know they now owe me money due ppi charges etc. They complied weith my CCA request on the same letter. Now can anyone advice if i should go to the Information Commisioner or to the county court to compell them to copmly. Whichever action i need to take i know i will need to send a letter telling them what will happen and giving them seven days to comply before i take further action.
  9. Hi guys, hope you guys can give me some advice, basically back at the end of last year my mum received a letter from JB Recoveries about some alleged debt. she had no knowledge of this so i Sent them a CCa Request with a cheque for the £1 fee. she got back a photo copy of some old credit agreement from 1998 but nothing else so we sent them a Subject access request with a cheque for the £10 fee. since then we forgot all about it as we have not heard anything from them. Then my mother receives a statement from cl finance for £10,000. A statement nothing else. we sent them a cca reque
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