Welshcake ( no judgement meant but just trying to show you how this looks) your brother in law signed up to a contract lying about where he resides. You cancel the contract verbally saying you are your Brother in Law. Can you see my point? If you are disputing the amount owed you would need to send the phone company a sar t check where the are gettng the balance from. If this contract is in you BIL name and he has paid £500 to it then they only way to get it back it show the payment was not due. the sar should when and if any cancellation was given. ida x

Send them something along the lines of this below & include copies of the default notice and termination notice, do not send any payment; Ref no: Dear Sir, I have had the documentation which was supplied by RBS independantly analysed & it has been found that the Default Notice is defective on a number of points; The Default Notice is not dated although I received it 15th Jan and have retained the envelope, it stipulated that I had to remedy the default by 24th Jan & allow 7 days for payment to be credited to the account by the 24th Jan. This left me with 2 days to remedy the situation not the 14 days as required by the Consumer Credit (Enforcement, Default and Termination Notices) Regulations. 1983. The account was terminated on .......... which because of the Defective Default Notice is unlawful rescission of contract. Due to the situation outlined above I suggest that you consider this matter now closed because any further claim made by you will be vigorously defended. Yours,

Another bit of info---- As a landlord cannot throw tenants out without navigating a legal minefield, it is a scenario they are keen to avoid. If you think your landlord may ask you to leave on discovering you are a bankrupt look carefully at you rent agreement. All tenants should have one of these agreements to protect both them and the landlord. If you are unsure about where you stand with your landlord it is a good idea to contact an organisation such as the Citizen’s Advice Bureau for help. They have access to solicitors and people who will be able to advise you on your personal circumstances. Normally a landlord cannot evict you if you are looking after the property and are making all you rent payments on time. Landlady,probably wont be the first time one of her tenants has gone bust.Maybe have a quiet word after taking advice.Your rent is upto date so hopefully wont cause any problems at all.Good luck,Tawnyowl.

1. They effectively will have that debt paid off. 2. I would expect her to receive a cheque for the difference.

Information Commissioners - Data Protection Public Register It hasn't changed whatsoever(you need to search Abbey National)

I know how to get your ICO complaint dealt with sooner. Contact your local MP and ask them to write to them. you wil be shocked how fast you get answer -let me give u a clue mine went 25th June 2009 response obtain 14 august 2009. lol

That's bowlarks..... nice try though. I'd be interested in the point of law they're referring to! What's the debt for and how old is it? Is there a CCJ? If you can give a few more details and a bit of history, we can help you better....

Definately try to reclaim - it won't be just £150 as there will be interest on it too. First step is do a SAR request to see what the bank hold on you and get a copy of your application form. This costs £10 - some banks cash the £10 cheque, some do it for free. Although you don't have to do SAR it makes life easier when you start to reclaim as it lists all your repayments and gives you your app form - or it should! It shows notes about you on their system too - for example if you've ever rang them there should be a note about it. This worked in my favour for my reclaim. The SAR letter template is in with the bank templates I think. Others will probably comment - they may know more about Lloyds. I'm just talking generally.

I would update the claim as and when necessary but as you are claiming financial hardship then any change in your circumstances, I think, you should inform the bank since you can go back to the bank at any time on financial hardship.

Hi Ts, Have you checked in the library - The Consumer Forums - Cases I think there are also links there to other sources.

I'd pay up if you want it to stop. However, you have broken all the rules of natural justice by contacting these people and believing their threats. If you did make an error and believe they are owed the money, by all means - pay them what they say you owe - and move on. You'll enjoy the preace and quiet this will bring. If, however, you are like the rest of us and view this as extortion by mail - welcome to the club. STOP communicating, and file carefully (this does NOT mean 'BIN') all the incoming letters begging you to pay. The only thing you have any requirement to answer is a court summons, and in the unlikely event of you ever recieving this, you can challenge them on many, MANY levels - but they won't waste their money on such action - it easts into their profits! Don't be bullied - but if you cannot cope, pay up. There's little point making yourself ill if you do not have the resolve to laugh at their antics.

this is wrong , very wrong and ime glad you have this in writing. you would have had to sign a new agreement minus the ppi. how do you know you are not still paying for the ppi (hint) they just cant redo an agreement, its a legal document. WHAT WOULD HAVE HAPPENED IS THAT THEY WOULD HAVE CALLED YOU INTO THE LOCAL OFFICE AND PUT A NEW AGREEMENT INFRONT OF YOU MINUS THE PPI AND REQUEST YOU TO SIGN IT ITS CALLED AN AGREEMENT TO MODIFY THE FIRST DO YOU HAVE A UP TO DATE STATEMENT OF ACCOUNT HAVE YOUCONTACTED DIRECT GROUP TO SEE IF THE PPI ETC IS STILL VALID DO YOU HAVE THIS NEW AGREEMENT THAT WAS DONE IN JULY SO MENY QUESTIONS BUT IME NOT HAPPY WITH THIS AND SMELL A RAT