Hi Firstly as Alan said you need to start a new thread as you are still using mine. No i didnt make any claims and this 22% is just a standard amount they think they are entitiled to keep for admin. I got all my money back going via the Ombudsman, over £11,000. KaneCole

Hi All Just a very general enquiry at the moment. If you are declared Bankrupt and are already in private rented accommodation then your existing Landlord serves notice for whatever reason, is it going to be difficult to rent another property with the credit checks ? Even if you had always kept up your previous rent payments and your previous landord would confirm this? Thanks Sally

Hi I hope there is someone on this site who can help me. Have used the PPI section a few times but hope this is the right place for this type of query. We had an overdraft with Intelligent Finance and when we moved our mortgage the overdraft remained but there was no activity on the account at all because all regular payments were moved to our new bank account. Because I failed to make regular payments to pay off the overdraft IF called in their Debt Collectors Blair, Oliver and Scott. I then made regular payments to these collectors from March 2009 and on the 13th Novermber 2009 received a letter saying that our arrangement to make regular payments had come to an end and they took the final payment on the 13th November. Then on the 18th November 2009 we received another letter from them saying exactly the following "Please be advised that your account has now been paid in full and will be passed for closure, any Standing order mandate that has been set up in favour of this account should now be cancelled. We have arranged for the credit Reference Agencies to be updated accordingly" And that was the last I heard from them, then out of the blue this week i received a letter from the same debt collectors which was received on the 25th Jan saying this was a Notice of Intended Court Action and we still owe an outstanding amount of £236.43 that had to be paid by the 26th Jan (the next day !!). This is the first we have heard anything from them since the letter in November when we were told we had paid in full. We have telephoned the debt collectors and they say that Intelligent Finance have advised them that this amount is outstanding with no explanation or any advice as to why it has taken 2 months to tell us. Intelligent Finance just say we owe it and cannot explain why the Debt Collectors advised us we had paid in full. Can anyone advise me if i can refuse to pay this because we have letters advising us that we have made the final payment and the account has been paid in full. Thankyou Sally

Hi All. Sorry dont know if this is the right forum to post but if anyone can help me would be greatly appreciated. We have just come back from a short break in Wales and stayed in a Hotel where our room was extremely damp with visible mold on the walls. I know I should have complained at the time but because they were the only rooms left when we booked I didnt think there was any point and didnt want to disappoint the children. When we arrived the windows were wide open and there was a number of air freshners so the smell wasnt as obvious as it was when we went out for the day and the room was sealed. The smell the first night was so bad i couldnt sleep for the taste in my throat. Also our 3 year old son was on a air bed on the floor which felt really cold and damp. Can i complain about it now ? Thanks Kanecole PS rooms cost us £120 per night

Hi All. Just to let you know we received our cheques this week refunding all our money and putting us back in the position as if we had taken out the loans but without the PPI plus interest. First Plus took 7 weeks to do this after agreeing but with a push from the FOS we got them. Another victory. Thanks to all of you for all your help. KaneCole

HI Varda. Have you had your money from firstplus yet ? We also managed to get them to agree to give ours back on the same terms as you and was trying to get a feel for how long they are taking to return the money. Kanecole

Hi. Quick update. The fos have replied to advise me that although firstplus disagrees with their findings it is going to make us an offer in line with the fos findings and refund the ppi plus interest and the contractual 8%. Apparantly they are making as an offer of goodwill etc ... They would not agree to pay the £250 compensation for distress and after checking with the fos, it would take about 6 to 9 months for the ombudsman to look at our claim we have decided to accept the offer without the compensation which will put us back in the position had we not taken either policy. It has taken a long time but at least we will get all our money back. Kanecole.

Thanks Alanalana. I was just concerned that i didnt know what I should be claiming. Do you know with regard to the interest that I will get back the interest charged for the PPI plus contractual interest on top ? Or will it just be the interest charged ? Thanks Kanecole .

Hi. Still waiting to hear from the FOS as to whether firstplus will raise any arguments, but was hoping while i am waiting if anyone can help me calculate what exactly I am owed. Have tried to use the spreadsheets but am struggling. The figures are as follows ;_ Loan details as follows :- 1st loan taken out 1st April 2005 Loan Amount £15000 PPI £3673.50 Total Loan £18673.50 Monthly interest rate 0.639% Apr 7.9% number of monthly repayments 120 Monthly payment £223.30 Made 8 payments of this totalling £1786.40 up to Dec 2005 2nd loan to increase borrowing taken out Dec 2005 Loan Amount £28500 (This shows first loan included at £16761.62) PPI £6979.65 Total Loan £35479.65 Apr 7.9% number of monthly repayments 120 Monthly payment £340.80 for cash loan £ 83.47 for PPI Total £424.27 Paid 4 payments of £424.27 totalling £1697.08 then had to increase term to 25years as could not afford it so monthly payment changed to £261.23 at same Aor of 7.9%. Made 8 monthly payments at this amount totalling £2089.84. Then in Jan 07 interest rate changed to 8.4% making monthly payment £271.76, made 2 payments at this amount then rate went up again to 8.7% making monthly amount £278.07. Again made 2 payments at this amount then rate went up again to 9.2% changing it to £288.34. Made two payments at this amount and then paid off the loan in Aug 2007 by remortgaging, the settlement figure was £33758.26. This is shown as Total amount payable under agreement £85523.23 Less our rebate on early settlement £51914.97 Plus admin charge £150 Total amount to settle £33758.26 PS. apparently they gave me a rebate of insurance of £1219.72 in the settlement figure of the 2nd loan for settling early If anyone can help it would be greatly appreciated. Thanks Kanecole

Hi All. Just a quick update to let you know I heard from the FOS today and after reviewing my complaints for both loans and PPIs they are upholding my complaint (has taken a year but worth the wait). They are now writing to first plus to let them put up any arguments against their decision and are giving them 2 weeks to respond. will let you know the outcome. Kanecole.

Yes i also had this resonse. Mine has been with the FOS since last May 08. I received an email last week and an adjudicator is now dealing with mine and reviewing all paperwork etc and will let me know the outcome in 2 to 3 weeks. I will keep you updated through my own thread when I hear something. KaneCole

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Hello All. Its been a long time since I posted as still waiting for something (anything really) from the FOS. I sent my forms etc to them last May 2008 and still waiting. Has anyone else had to wait this long ? Last time I heard from them was November saying they were still waiting to allocate my claim to a team and an adjudicator. Thanks KaneCole

I know its a joke. Im worrying myself silly and they havent done a thing. Should I sit and wait to hear or should i now go to the information commissioners office about the missing call recording ? Is there anything I can do because the claim form wasnt acted upon ? Is there any time limitations ? KC

Clerkenwell & Shoreditch Count Court.