Jump to content


style="text-align:center;"> Please note that this topic has not had any new posts for the last 457 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi,

 

This is a continuation of this thread.

 

In 2016 I received a letter from this creditor stating that they had incorrectly applied interest to the loan and were reviewing it.

Last year they sent me a letter stating that they consider the debt unenforceable and would I like a correction notice applied to my credit file.

I accepted and a correction has been added. I am still paying this through AP of £5 pm to PR Group.

 

This loan has caused me nothing but bad luck.

The PPI I took out to cover me for illness didn't, I went on to minimum payments in Feb of 2011.

 

They then redressed the PPI which they paid on to the loan and said that this was classed as a payment.

I was still told however to continue with the AP of £5 during that period.

 

In 2012 the loan went back to being in arrears (PPI Payment had been eaten up).

Finally in 2013 they defaulted me.

 

I am still in default for another year.

Now they have incorrectly applied the interest..

 

.Do I have any kind of case to go to the Ombudsmen to ask that the date of default be put back to 2011?

I really want my credit to be performing as I would like to by my own home.

I am 40 next month and this has been going on for 7 years now!

 

Thanks in advance

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

file will vanish in july this year.

 

nothing to really do with the FOS

 

would be the ICO you need to complain too.

per I wouldn't bother

 

you did stop paying didn't you?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

The default won't vanish until next year. They said I still habe to pay the 5 a month....should i not be?

Share this post


Link to post
Share on other sites

Oops cant count...

 

Nationwide have said they don't have the signed agreement and it's unenforceable

 

Information commissioners are the ones to complain too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...