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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 requi
  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 a
  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 fur
  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
  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 give
  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
  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,
  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 1
  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 lette
  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 no
  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 in
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