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Hi there

 

Brief update of mine (partners) current position.

 

Partner took out a loan back in 2001 before we met which he defualted on and subsequently it was transferred to the their collection department known as MCS Limited.

 

I've tried, on his behalf, tackling whether the Credit Agreement is enforceable (with the very kind help of the members on here) and after a few weeks on ping pong mail between us and them, its come to light that everything looks to be in order.

 

However, a member on here advised about being mis sold PPI and advised me to search the area.

 

Please see link below http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245768-mcs-limited.html

 

I have spoken to my partner and he has advised me that he was told he had to take out the insurance as a pre requisite of having the loan!!

 

Can anyone advise what my next steps should be!!

 

Thanks in advance :)

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HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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Thanks Moose

 

Been looking for at emplate I could use to start the conversations off. Not quite sure how to word it?

 

Any advice?

 

Thanks

 

Ann-imal

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Thanks Moose

 

Been looking for at emplate I could use to start the conversations off. Not quite sure how to word it?

 

Any advice?

 

Thanks

 

Ann-imal

 

some good advise here:

 

PPI Reclaiming Guide: £1,000s for missold loan insurance...

HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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