Hi all can anyone help with this?

Hi DX Thats what I am trying to find out what constitutes miss selling I did not know I would be charged the amount I was or the fact it was an upfront payment for a policy that only lasted 5 years of a 15 year term loan, and that none of that policy would be refunded if the loan was settled early, 12k for two years PPI seems a bit on the excessive side

Hi all, can anyone advise on what to do next Some 4-5 years ago whilst in full-time employ, I applied for a loan approx 43k to start up a new business for my wife. On my first application with a bank I can’t now remember, I was approved until I sent back the application form and had declined PPI. I then went to Ocean Finance and got a loan from them, I think I may have known something about the PPI on the policy but did not know that it would be added to the loan in one lump sum, approx 12k and that it was only valid for 5 years. I was made redundant about 4 months after taking the loan out, and instead of starting the business had to use the money to live on and pay mortgage etc… I sold my house after a couple of years and paid the loan off in full never having claimed a penny whilst unemployed I then tried to reclaim the monies through a company called xxxxxx (apologies but I was busy at the time setting up the company that the monies were intended for) who sent my file to the ombudsman, it went before an adjudicator, who then left and was passed to his replacement who found in Ocean Finance favour. It didnt however go before the ombudsman as the adjudicator found in Ocean Finance favour and xxxxxx dropped the case. What I now need to know is can I still recover this money from Ocean who remarkebly have my application recorded on CD Any help you can give is greatly appreciated

that was there but i was disputing the late payment charges and the fact they tried charging £900 for telephone calls

it was signed by her I dont dispute that i owe them money its the amount

PT 2573 thanks for responding they did produce the agreement with the court bundle but not within the time frame 12 + 30 etc…

hi all I took alliance nice people (not) to court some time ago and won (no suprise) I have since sent them another SAR for the entire time my account was open dating back to 1992 all they keep sending me is the past six years, I have pointed out on 5 seperate occasions that this is not what i want but again the same comes. my original claim was for just over 4k when they settled they said the usual our charges are fair etc but promised in writing to refund any charges since the claim totaling approx £1,700 when they found out how much it wasnt fourth coming. I have since this taken an average for the six year period approx £68 per month and added to the spread sheet on the site and sent this back to them approx £12k and aked them to refund to no availo I have also stated that if they pay promptly i will take a lesser amount. Nothing again. I had run up a debt with them for £2,500 which they have now put out to a debt collection agency any ideas on what to do next?

Hi all wonder if anyone can help, my wife had car finance with capital bank. the balloon was payable at approx £4k but made further payments and brought it down to just over £2k. in the mean time capital put the debt out to a collection agency and the costs starting jumping around. I sent them a CCA which they didn’t respond to until they took me to court last week. I explained to the judge that I sent them a CCA to which he asked me to clarify what that was? on doing so he asked me to explain why i hadn’t paid the outstanding amount, to which i replied that i wanted to see what costs where associated with the balloon payment. It took them over 3 months to take court action without responding to my CCA request. As the finance is in my wifes name the judge has decided to set a new court date when my wife will have to attend. Any ideas what i should do now? Whilst i was waiting to go in there solicitor started asking questions as to why i hadnt paid so i qouted the cca 77.1 and 78.1 at this point he ran outside on his mobile after the case was defered he advised me to pay the £2k + interest as he thought they would accept this. unfortunatley I dont have the money at the moment as my father is ill in spain so i am using most of my resource going back and fourth

sorry to but in can anyone tell me how to start a thread