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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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Hi there Ive been on the phone to GE money regarding a loan from first national tricity finance from around 1999 - 2002. They told me they had no information about me at all and that Santander had bought over all their loans up to 2006 and that I would have to contact them. I now have at least six different numbers for Santander so I dont even know where to start. I am trying to claim against First National Tricity Finance, Blackhors, and Welcome Finance but was told by a PPI company that as these companies were not regulated at the time I cant claim against them. Apparently you can only claim against companies that were regulated at the time. Does anyone know anything about this or if I would have a claim? I contacted the fsa and they told me that I could claim from the companies underwriter. Im a newbie at all this so any help would be grateful. Thanks

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Hello brighteyed newbie. Thanks for filling me in on why we are now in the dubious hands of Santander, my confidence in establishing a claim has certainly diminished somewhat with this news. I would imagine it would be well nigh impossible to determine the relevant underwriter and then persude them to cough up the readies. However, I have learnt from the bank charges fun and games to press on until the situation appears hopeless.

I am still awaiting the second response from Santander which may be some time because I replied to the GE Money data protection address so it is likely to go round the houses again before it lands on an appropriate Santander desk.

Of the other six SARs despatched, I have only had a reply from HFC with a standard letter acknowledging receipt and stating that they were on the case. Still, it's early days yet and hopefuly I should be be knee deep in returned SARs in the not too distant future ....

Brett

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I telephoned santander today and they checked their system and alas my records were not there so they asked me to put it in writing so they could check the archive system. Usual fob off reply I presume but they didnt mention having to pay for the info. How do I go about getting the £10 back once I send them the SAR? Any help would be appreciated.

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brighteyed_lady

 

I have created a new thread for you to save hijacking an existing thread.

 

I am not clear at the moment...have you sent a SAR?

 

Exactly what stage are you at with this claim?

 

ims


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Hi thank you, im kinda new to this and didnt want to cause any trouble. No I havent send any SARs yet but I have been phoning the companies and they have told me to put it in writing but never mentioned anything about having to pay for the information so im not too sure if they will even reply to me or not. I had originally contacted a PPI company and it was from them that I found out that they cant do anything with companies that were not regulated at the time so ive been phoning places just to see if I can manage to do it for myself.

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Hi

 

It is best to follow a defined process with your claims i.e. send them a fos questionnaire (available from the fos website) and a spreadsheet showing the amount you are claiming.

 

In order to do the latter you would ideally need all statements for any credit card claim and the loan agreement and statements for loan claims.

 

If you don't have this information then a SAR to each lender is he best course of action. In the ones for loans, add a paragraph that the SAR is to include copies of all and any loan agreements.

 

From the information that comes back it should be possible to prepare your claims.

 

Sadly phoning the companies will not necessarily reveal the whole truth as to whether you had PPI but a SAR requires information to be provided under the DPA.

 

The course I have described help to avoid them turning round and fobbing you off, so always best to do it properly

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Thats great I will do that. So how do I send the money does it have to be postal order or cheque? And once Ive done this how do I claim it back?

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Thats great I will do that. So how do I send the money does it have to be postal order or cheque? Either will do And once Ive done this how do I claim it back? As in post #6...prepare spreadsheet and fos questionnaire and submit them to the lender with a brief covering letter requiring refund

 

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi there, can i ask what address you are sending the SAR request to? I need to do the same to get ppi information but am not sure where the letter should go.

 

Thanks :-)

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the address is:

Santander

PO Box 1111

Bradford

BD1 9NQ

 

This is the address that they gave me. Hope this helps. :-)

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