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Found 17 results

  1. Hi I am new to the site and just learning how to navigate the forums. Hoping I am now in the correct place to get some helpful advice. I have 4 very historic debts being managed for the past 6-7 years by CABOT and 1 with PRA. In the past few weeks, I requested a CAA and SARs from both which was a very revealing exercise. Low and behold:!: CABOT replied saying they could not find CAA for 3 historic debts so these are unenforceable but that I should continue with my monthly payments to my DMC. PRA replied very differently saying "current accounts do not require credit agreements and therefore no credit agreements have been set up when opening the account". How can these 2 Debt Companies behave and respond differently:?: I now plan to stop monthly payments to CABOT and would like your advice if there will be consequences! I am currently 70+ in poor health and want to be debt free in 2019:!: I have also sent GP medical and Cardio reports to both companies but did not receive any compassionate response:sad: Many Thanks for any advice and direction given. nacro:help:
  2. Hello all. Regarding there being no £10 fee for SARs, I want to send HSBC a SAR (because I know that I had loans with them that had PPI but they've previously said that they don't have records that go back that far), other than there being no fee, is there any change to SARs, please?
  3. Recently I came across some old account numbers and decided to check if any might have had PPI on them and if I might be able to claim anything on them prior to the deadline next year. As I have no details other than the banks referance numbers I filled in the PPI Checker on the Halifax site where one of the account numbers was from. I few days passed and I got a text this morning from Halifax saying "Felix, Thank you for your PPI Complaint, We'll communicate with you via SMS during the course of your complaint" Now all I have done is check to see if I had PPI, I haven't made an actual complaint yet. Is this text just what they send out when they are checking if you even had PPI or does it look like they have found PPI on my old account and have auto opened a complaint? Also I have heard that Banks may phone you up to ask you questions about your claim. I have Dyspraxia and would feel more comfortable being able to read questions carefully and think about my answers and put them in writing. Would I be within my rights to request any questions be put in writing?
  4. Can anyone tell me if this is the current address for GE Money? GE Money Home Lending PO Box 912 Newport NP20 9PB The loan i am enquiring about was originally through Loans.co.uk but they seem to not be operating anymore.
  5. Bit of a long one but I wonder if you guys can help me out a little please. I'm writing on behalf of my wife. NB: My wife is Spanish and works in a call center for a major airline here in the UK with people from other countries. In Nov 2015 an incident happened at work in which she was racially abused and intimidated by an Italian male co worker. A meeting took place with my wife and HR and she trusted them to resolve. She asked that they be moved away from each other. The company supervisors immediately sat the man right behind my wife which made her feel under pressure and then further intimidation and bullying began from this man. The intimidation was not always directed to her face but it would include shouting negative comments right behind here about her home country and talking about sex. Maybe 6 months later and after my wife spoke to her supervisors several times and emailed explaining her issues and asking for the situation to be resolved she became ill. Next, Her Dr, Company occupational health and now counselor have written reports to the company stating that my wives illness is a direct result of the issues at work. Company HR and Supervisors have promised on several occasions to move the man to another area and then done nothing. This has had an additional negative effect on my wives stress. She is on medication. My wife is working with the union official and union solicitor to resolve this and the solicitor has advised (rightly I think) that a process must be followed before further action against the company. We have documented everything in case we needed to take further action. We have copies of emails, incidents etc. In my wives last meeting with company HR it was agreed that the man would be moved permanently to another area of the business and as they have promised and changed their minds several times my wife asked for this in writing. The company agreed. Within 24 hours the company took back this offer and told my wife the man would probably be back in her group. This has added to her stress levels and she panics. This has all taken a little over 12 months now and we feel the company should be pressured into resolving the matter. My wife is now off work sick on SSP and worried about going back into the same situation. Should we continue with the union or maybe seek outside legal help which could be expensive. Any view would be good please Thanks
  6. Hi Everyone, i have requested a SAR on Natwest Bank and also Barclays, so far Natwest have replied back with their first letter. The objective of my SARS is to attain my old statement, fees, transactions and charges to claim back on and also for PPI. I know I have had a lot of bank charges as I used my Natwest account when i was a student and really bad with my money! I have attached the letter which Natwest have sent back, i was hoping someone could shed some light on what I could reply via email with? They have mentioned statements now can i say I just want ALL the information and statements available or I remember reading somewhere to specifically state i want all bank charges and fees? I typed up the below to send them, unsure if it is any good? Thank you for your letter of acknowledgment to my SARS request. As my letter states, I require ALL relevant documentation linked to my name, therefore I would like all statements including bank charges and fees to be provided to me, from the date my account was opened till it was closed. If you are concerned about the environment I will consider having it emailed over to me from an official source along with a written letter confirming what has been or will be provided via email to me, this is to ensure its authenticity, it is also proof for me should matters escalate due to any data violations and unlawful SARS violations. I should be informed of any documentation that cannot be provided to me via writing or email correspondence.
  7. Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already given (or may in future give) to you. does this then mean that if there is a dispute that LTSB cannot enforce to change the 'unsecured' to 'secured' via a CCJ ? then further down it states 'to be considered for a Lloyds Bank Gold Service Payment Card you must sign in the box below' this implies to me the A4 form is an application form and not an agreement, however in the signature box it refers to 'this is a Credit Agreement regulated by the CCA' has anyone else come across this? and what is the position. Thank You
  8. Hi can anyone give me the heads up on which organisation i contact for a SARs submission for an old Laura Ashley store card. is it GE Santander Newday or actually L.Ashley I've read through several posts and even tried to google the information, but i am still not clear on the answer. Help!
  9. Hi all, Wanting to try to reclaim PPI (and possibly late payment / exceeding limit charges?) for my girlfriend and confused about exactly how to do it? Have just tried to look around the forum but there are so many links and reems of information and I am not sure exactly what to do. is there a simple step by step guide relating to the below?..... Have been sat on a lot of this info since 2012 when we sent SAR requests - with the intention being to try and sort out her credit rating (due to previous defaults entered relating to the accounts below). We haven't followed up on all of this quickly as just been too confused and stressed with other financial worries - and just want to try and sort everything now. Have recently come to realise that PPI/charges may be reclaimable... .looked into it for a while and then lost all the information due to computer being stolen, and then just haven't followed up. From the paper notes/SAR info I can state the following: 3 Accounts 2 with Barclays - got SAR information August 2012. 1 - Barclayloan 2001-2002. Was paid off fully. Statement shows an "Insurance Premium" of £45 - which I've noted was "added to loan value" (via previous research on this forum?). Have noted £45 charge + circa £55 interest claimable" Must have been a spreadsheet/calculator I used? Not sure which or how to do this now? Calculate it on a spreadsheet + interest - write this into a letter and claim 2 - Barclaycard - defaulted Jan 2005. Passed to HFO services. circa £3000 balance. She ended up giving in to threatening letters and phonecalls and paid a total of around £600 to HFO services over a few months. Hence won't be stat barred until 2018. However - no CCA provided, HFO services seem to have had all sorts of issues....advised on here this is "deadlocked?" - not received letters for over a year. Statements received in SAR show PPI totalling around £170 was charged. Another £25ish was charged for some sort of "CVR accidental death" thing.. ..and then another £160 of exceeding limit and late payment charges was added - £20 per time. (All of this over about 8 months). I have made a note stating "circa "£340 charges + £250 interest recalaimable??" Assume using a calculator on here? Is this a case of calculating/adding up charges on the statement - working out interest somehow - then sending this with a letter as a claim? 3 - Natwest Credit Card. Balance defaulted Jan 2009. Last payment few months prior. Stat barred now, no contact for over a year. We wrote and asked for SAR info August 2012, but Natwest replied saying they had a different address and require proof of address and the SAR resubmitting. Did get some info back in response to S78 which shows PPI was included on the account though - but don't have full statements to see how much. Assume need to resend SAR now, get statement then.....not sure what to do next? Use a spreadsheet to calculate a £ figure and then put it into a letter? Thank you for any help or pointing in right direction!
  10. Hi As you can gather I am at loggerheads with LTSB,. I sent a SAR to the bank and received the response in 2 parts. The 2nd part was sent after I requested it again via their hound dogs Sacharri and wotsit. got loads of stuff that did not make head nor tail to understand , but statements going back quite a few years. Also I have a loan to LTSB and they sent the "CCA" for that which I am now disputing as the sigs are on a separate page etc. As for the credit card , I CCA'd them in Jan then supplied me with it in June both sigs were different etc, but whats getting me is this : with the sar for the bank account they sent me all the correspondance I sent to them in regards to the credit card etc but no signed credit agreement came with it. Surely if I SAR the bank and they supply me with ALL corresspondance in regards to the credit card that includes copies of my letters, and all details of the amount of times I was contacted in regards to the credit card then surely the signed CCA would have been included? They also included ALL letters they sent in regards to the loan, bank and credit card account but no signed CCA for the credit card. I have reported this to Finacial Ombudsman a few months back and awaiting the result. Should I tell the Ombudsman about the SAR etc? Thanks in advance
  11. We are trying to sort out our own and joint debts and would like to know the following. On joint debts do we both need to send a SAR or just the one? The account numbers are the same but we both receive statements and demands. We both follow other treads on the forums and have sent for and received (some) CCAs but have not sent any joint SARs yet. Sorry if the answer is obvious but I'd rather not have to spend any more money than required. Thanks in advance.
  12. Just beginning the process. Realised, very late on in this whole PPI saga that I need to get myself in gear and get SARs sent off. two x SARs sent off today. 1. Blackhorse Finance. Car Loan taken out October 2002 - last payment March 2008 (no missed payments). Be interesting to see how much the single premium and interest was on a £17,000 loan. I wasn't even offered the option as the sales person, at CarCraft Newport on a Sunday said they were due to close and to just sign the agreement if I wanted the loan. 2. Nat West - this one will be harder. The loan was from 1993-1997 and was eventually 'transferred' to First Direct when I changed banks in 1997 - PPI all the way through. In 2000 I was offered a First Direct Gold Card (PPI added again) and when I missed one payment on the third reconsolidated loan with First Direct in Jan 2008, First Direct rolled the credit card balance into the loan and then served a default notice on the total and called it a loan. So I expect a long battle on this one but will update regularly as I (hopefully) make progress.
  13. Hello to everyone and I thank you in advance for any help you can give me. I am very new to the World of claiming charges/ensuring companies have done things correctly etc so would like so advice. Firstly, the debt was with a Natwest credit card back when I was a student and so I was pretty broke and they then defaulted me after 6 months of non-payment (fair enough). The limit on the card was £500. In October 2013 I issued Natwest with a SARS. They replied on the 40th day saying they required more information to be sure of my identity. I sent another letter including the information and I have received the Credit Card info but not the Current account, whereby another 40 days will have passed on 12th Feb. I know I am going off subject for this, but I wondered whether the 40 days was most certainly already up and what the next course of action would be? From the SARS this is the information I have got: 15th October 2010 Default Notice stating I had 17 days from the date after the letter was dated to bring payments within the credit limit. If I do not comply with the Default Notice, I will no longer be covered by any Credit Card Protection I may have etc etc. 2nd November 2010 presumably they had Defaulted me since I did not pay. 5th November 2010 Letter stating default charges on my account of 1/11/2010 £12 late payment fee and 05/11/2010 £12 Overlimit Fee. 8th November 2010 Letter stating Account Termination (This is the last letter until I contact them in 2012 regarding payments). On my Equifax Credit Report they have Defaulted me on 07/12/2010 Am I in a position to ask for the particulars of the Default since one would assume from the Default Notice that I would be Defaulted on 2nd Nov 2010 but instead was Defaulted according to my Credit File on 7th Dec 2010? From my statements I have: 05/11/2010 2 lots of interest 05/11/210 Overlimit Fee 03/12/2010 2 lots of interest Can I claim back these charges as technically in accordance with the Default Notice they should have already Defaulted me a nd thus cannot add charges after my presumed Default Date? They have sent no information in my SARS relating to an actual date of Default so surely I could be correct in believing it would be in accordance with the Default Notice they have sent me? Or am I just being optimistic? J I also would like information about the charges I have received. I am aware the OFT ruled that charges over £12 are excessive but all the charges I have received from Natwest are £12. However the first month I stopped paying the minimum payment was July 2010 when the balance was £459.08. September 2010 was the first month I went over the limit due to the late payment fee plus interest so I began also paying overlimit fees also. Therefore by 5th November 2010 the balance was £580.91 which is a difference of £121.83 just purely in charges alone. Can I reclaim any of this back? I know this is all very long so I do apologise, I have tried to put as much information as possible. Once again, thank you to anyone who can help me at all. Sherrie
  14. Has anyone got the link for the SARs letter please ..I cant find it cheers
  15. Hi all hjust to let you all know I issued MBNA with a Subject Access Request and after being messed about a little (but not as much as some banks) I have received all information MBNA hold on me for credit card dating back to 1995 upto 2003. Next step is to pursue a PPi claim, I have good reason. Good luck to you all and keep puching the banks you will get there eventually
  16. I am wondering if a commercial loan agreement I have with NatWest is valid as due to a change in the properties borrowed on it is not for the amount I borrowed. I would not normally be concerned but they have called in the loan. I was told it would be renewed at the end of the term but then the banking crisis happened and they changed their minds. They are also using a cross collaterisation clause on other loans I have with them over a longer term. They said they would never use this clause as long as I didn't miss any payments which I haven't. Please note I am not & never have been in arrears. I have never missed a payment, been late with a payment or been short on a payment. We have just found out the loan is not covered by the FSA (I know their name has now changed) but all their email correspondents state they are authorised and regulated by the FSA, is this not fraud? Have seen a solicitor who feels I was miss sold the product but haven't seen him again as I didn't have much faith in him. I have put in a complaint with the bank & the financial ombudsman both of which are being supported by my MP. I sent a SARs by recorded delivery on the 11th of March and sent an email on the 5th ofApril to advise them I had I no response. I attached the original SARs letter& reminded them the clock was ticking. Please note there is much more to this case, too much to note here. I am looking for a solicitor who has a proven track record in this area. I am also prpared to use less conventional methods at this point as I don't have much else to loose. I have worked very hard for my properties and I just want them back. Any advice would be greatly appreciated. Thanks in advance.
  17. Hi all, I have recently sent out SAR to LLOYDS TSB please see my letter below, then the reply from LLOYDS TSB, what a joke, how can they delay my SAR like this?? Any suggestions what I should do / template reply letter. I do not have any account numbers etc.Also the cc and loan I had were with TSB (who they now own) should I have stated it was TSB ?? LLOYDS TSB PPI CUSTOMER SERVICES BX1 1LT Date 20 FEB 2013 Dear Sir/Madam Please send me all data that your company holds relating to my entire account history. Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. XXXXXXXXXXXXXXX, DO NOT SEND ANY XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE XXXXXXXXXXXX TO THIS ADDRESS Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account. I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice. All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days. In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves. It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal. Whilst not exhaustive and for the avoidance of doubt I shall list what I require: * Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same. * Copies of all statements relating to the above accounts. * Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts. * Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them. * Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. * Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party. * Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information. *Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party. * Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. You have 40 days to comply with this request. If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution. Yours faithfully, ME Dear xxx Your request for information under the Data protection Act 1998 Thank you for your latter dated 20th Febuary 2013 requesting information ubder section 7 of the Data protection Act 1998. Please be advised having checked our records with the information you have supplied we have not been able to trace any accounts with Lloyds TSB bank plc. To enable us to complete your request, please could you supply an account/loan/card number, or any Lloyds TSB account numbers as this may assist us in identifying your records. We are returning your request and £10 fee with this letter. Please return the request, letter-of-authority, and fee to us with the required information above. Yours sincerely Joanne Blake Data Subject Access Requests Any help / response or experience regarding this kind of reply top a SAR would be welcome, thanks for your help and I hope this threat helps others any help I can give just ask Thanks all STUARTPPI
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