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!

With that last comment - now maybe you can see why we are so 'anti' companies like WFS - they take advantage of those can afford it least, and when things get tough - they get tougher for those who have less - which in turn, creates a nasty spiralling circle..... go figure..... WFS reckon they are helping you....... Personally with the insurance thing - I would contact the FSA and get them involved - you did the right thing by advising WFS and having them agree to lower payments, but ' I think ' they have it wrong on the insurance, where is the cancellation document??? Have they revised your loan and advised of the new payments (minus the insurance) - i don't think so, or you would have known you weren't paying for insurance. I would also advise asking for the agreement you signed - and not a mock of what it would look like, a copy of the 'actual agreement' you signed, you can do this under a cca request - cost £1 - there is a template on the site somewhere. If they are trying to palm you off, because of their mistake, (not informing or even advising you of the cancelled insurance due to lower payments) then I say, go for the jugular:D

it's difficult - i'm sure most of us know - but seriously - you would contemplate dealing with these people again??? It sounds as if they messed up a bit with your secured loan, similar thing happened to me. I would NEVER deal with welcome again. I know it's not what you want to hear, but if you have the money to pay another loan, save it, go on holiday when you have the money in your hand, just think how much that would actually save you in the long run. I can guess that you don't want to wait, (not many of us do) another option is, a credit union, again you will have to save 1st, but they will allow you to borrow after a little time, and the interest rates are unbelievable (in a good way) - try and find a local one near you. Just my 2 cents........

it's still there in the corner - the red triangle with the ! in it. Not very nice to start accusing people of stealing money.....

Try contacting thier compliance dept at head office on 01159 849200 - explain your situation, I might be tempted to ask if you need to bring the account into dispute?? that might put a rocket up their whoopsies

I had similar issues with another well known provider of these car loans BCT. I had issues with Freelander I had on finance - the IRD box virtually fell off the engine 8 weeks after purchase - I was led to believe that the finance company is the responsible party, but they always try and tell you to goto the Garage - possibly in the hope that the garage will sort it out, you will have to check the regs around HP. I basically used the Trading Standards route - 'Not Fit For Purpose' was what they advised me - under a particular section of the consumer credit act, unfortunately I don't have the paperwork as it was some time ago. Just found this....... Dear Sir/Madam Consumer Credit Act 1974, Section 75 On date I bought describe item from name of retailer. This purchase was financed by your company provide agreement number. Unfortunately, I have discovered that this describe item is faulty / not fit for its purpose / not as described (delete as applicable) and I have written to the retailer to reject the item and claim a refund of the money paid, under the Sale of Goods Act 1979 (as amended). I have tried to get a refund from the trader but they have ceased trading / are ignoring my complaint (delete as applicable). Under the Consumer Credit Act 1974, Section 75, I am entitled to look to you for compensation, as this law makes you equally liable with the trader for any breaches of contract. Therefore I am rejecting the item and claiming a full refund from you. I look forward to hearing from you within 14 days. Yours faithfully, Blah blah blah... ---------------------------

a sar request should sort that, and you can request a copy of your finance agreement under the CCA something like this should do :- -------------------------------------------------------- Dear Sir/Madam Re:− Account/Agreement Number :- XXXXXXX Customer Number:- XXXXXXX (If Applicable) With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully --------------------------------------- They then have 12 days to provide it, after that 12 days, they then have a further 28 days (i think) to provide before they are committing an offence - as to what offence and how they are punished seems unclear to me, maybe someone else can clear that up. As usual - send everything recorded and keep all the stubs and copies of letters sent - if they fail to provide any documentation in the time specified, hit them with a dispute notice, from there they are not suppose to add any charges / interest's or ask for payment Good luck!

this was all i could find......... APRIL 6, 2001 Citigroup Acquires People's Bank United Kingdom Credit Card Operations Citigroup, the Leading Global Bank Card Issuer, Strengthens Position in Europe People’s to Focus on Core U.S. and Connecticut Business NEW YORK, N.Y., AND BRIDGEPORT, CONN. Citigroup, Inc. (NYSE: C) and People’s Bank (NASDAQ: PBCT) today announced that Citigroup, through its subsidiary Citibank International PLC, acquired People’s United Kingdom (U.K.) credit card operations for #368 million (approximately $526 million U.S.), including #298 million (approximately $426 million U.S.) in receivables, together with other assets and liabilities associated with the business. The acquisition expands Citigroup’s presence in the U.K. and strengthens the company’s position as a leading bank card issuer in Europe and around the globe. So guess you might be dealing with citigroup????

What a load of crock - and that is to put it politely - WFS TAKE ADVANTAGE of those who can afford it the least - I have had dealings with WFS and even had someone in your compliance dept who actually agreed with the above statement, they have since left the company. We all know that WFS look at this board and many others, so as an employee, we would hardly expect you to agree, but you should realise one thing, these are 'people' you are dealing with, not targets and bonus's. Well done for managing you finances, as you quite rightly expressed, it can be tough and even difficult at times, so maybe with that in mind, you SHOULD understand how easy it is to get in the 'hole' - the problem starts there, because if you did see it that way, you would already know that WFS is NOT the answer, and I guess that would make your job tough, but hey, having a conscience is.

I believe that is correct - I am also led to believe that Trading Standards and the FOS are who you should report the 40 day breach too - but you will need proof that you posted it and they signed for it, as well as the letter you sent requesting your CCA. There is a thread on this site with all the time limitations on for a cca request. Did they ever acknowledge your CCA request? I would query it again with CRA's (credit reference agencies) advising that they have not sent the paperwork to you, explain in as much detail as to why the information is incorrect, you can ask for a statement to be put upon your file to explain anything you do not agree with, again there is a thread on this site about defaults and the way they should be handled properly, if they have not followed this procedure, then the default shouldn't stand. One thing to take into consideration - none of these companies and or organisations work fast, I had to battle for over 3 months, almost contacting them daily to remind them I was there and not going away until they sorted it.

Hey Saint, I had a default and other information removed from my credit file, via the credit reference agency's - Equifax - Experian & Call Credit the first 2 are a must, i wouldn't worry to much about the 3rd, they are a small company that not many use - or so i have found. You will need to have a copy of your credit file from Equifax & Experian to make the process easier. Equifax - you can contact them via email - advise that information is incorrect on your credit file, you will need to list the info as it appears on the credit file - they have a form you can complete, it can be frustrating, but hang in there, the good thing about Equifax is, if the company doesn't respond within so many days, they remove the information until such a time as the company does respond. (They removed WFS info, and it hasn't reappeared as yet). Experian are more awkward - they will not change anything unless instructed to do so by the ICO or the company who gave them the info. They do allow you to call them and discuss the issues, I had a very helpful person, they actually rang WFS and got them to agree the information change after I emailed copies of letters across to Experian. I managed to get the WFS default removed - shouldn't have been there as they had settled the debt, as well as poor payment history for the time the debt was in dispute, they had put 4 missed payments then a default, now back to settled in Dec with 1 missed payment last Oct - so it can be done, BUT, it was not easy, I had to keep on at WFS and had to speak to Experian at least 5 or 6 times or not more!!! I also had a default removed from 3G - i just asked them for paperwork to support the default, hey presto, removed!! I have not had the experience of Call Credit as they did not hold that much info about, well, not detrimental anyway. I hope that's been of some help