Hi, Had an offer from Monument with 50%, as a gesture of goodwill as it wasn't really PPI it was a Payment Break Plan........ Do I accept or decline? On a slightly different note, Vanquis have said get stuffed - not thier words, they put it slightly nicer

Thanx - will try and dig out original paperwork if I still have it.... I did post on the general forum, but it has been moved by a mod

Not sure about the original length - yes it was exclusive and no, I havent used another agent - just pulled it from the market - they have done 2 viewings yesterday with no mention of the contract.

Hi, I instructed an estate agent back in March this year to sell my house - upon returning from holiday in May, I cancled the agent as we had not had any offers - this was done via telephone and writing (to which they have never acknowledged) They have called this week and advised they have 2 potential buyers in a position to move if they like the property. I guess the question is:- are they still contracted to sell my house? If so, do i have to pay the original fees discussed or will there be room for negotiation as I have not signed any further paperwork since cancleing thier services. Many Thanks for any advice. Ian

That was the only statement they made - short and sweet!!

Hopefully they won't as the account was closed within the last 18 months or so, and only opened about 3/4 years ago

Yes - I think I have - need to dig them out. I believe it to be misold as I didn't ask for it and I already have work related benefits that would cover me for 12 months at least. I will dig out the statements and send of the template letter. Many Thanx

Hi, Looking for some advice please. I sent Capital One a message asking how I recover PPI that was misold on previous account I held with them, there responce was this...... "Thank you for your message. Unfortunately, you cannot claim the payment protection insurance from your previous account. I’m sorry for the disappointment this causes. " Is this complete rubbish or are they correct?

The bathroom has been tiled over tile - therefore when the bath is removed they will have to break quite a few tiles of the wall and have advised they probably won't be able to match up to the rest of the room. I have since spoken with UIA who have now agreed to pay 50% towards the cost of replacing the rest of the tiles in the bathroom. I guess this is the best i'm going to get?? I am obiously wrong for assuming that the 'room' would be returned to the same standard and state it was in before the bath was damaged.

Hi, My little one dropped something heavy in the bath, the bath is broke and the insurance company have agreed to replace it, but they will only tile the 1st 2 rows and cannot guarentee to match the tiles. The issue is, the bathroom is tiled floor to ceiling - if they cannot match the tiles, the rest of the bathroom is going to need retiling and they will not cover that, the bathroom was only refurbed in the last 2 years. Do I have any leg to stand on??

Roxburge and HFo are the samme company owned by the same person - he also owns a 'supposed' firm of solicitors. If you search on here for Roxburghe UK ltd, I'm sure you will find some interesting reads.

A bit of searching and i knew i would find it. you ask them very nicely for a copy of the original Consumer Credit Agreement, as detailed below:- Dear Sirs, Reference: Your Debtor Your refs: xxxxxxxxx Please be aware that I do not acknowledge this debt to your company, and therefore require you to supply the following documentation before I will correspond further. Firstly, you must supply me with true copies of the agreements you refer to in these matters. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing statements of account. I enclose a £1 postal order in payment of the statutory fee for each account. You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Once done - send registered - allow for 12 working days plus a day or 2 for post if feeling generous, and then look up the 12 day rule on the above, they don actually breach the rule/act until 30 days have passed. Good luck - but like most will say - do some reading up and some searching. Ian

I was under the impression you ask the DCA (debt collection agency) as they should have had all files and paperwork transfered to them when they purchased your debt. It was a long time ago when I got WFS on non production of agreement, but it was not a defaulted account, so i dealt direct with them.

Do some reading on this site - possibly even this forum topic, you will see the general advice around requesting your CCA - doing a SAR, etc, etc. You have to start with that at least - without a valid CCA they cannot enforce the loan without permission from a judge (something like that) - so asking you for 10k is kinda scary, but it's just a letter at the moment - so start asking them for paperwork.

WOW - 110% agree Dipply.... Very well put!