OMG...this has happened to me! just got an alert from Equifax and Marlin did a search on me on 7th 8th 9th + 10th April 09!!! What for??? can anyone shed any light??

thanks for your reply whats an LBA, and how do i get around sending passports etc??

Hi Sorry I am posting again as my previous post didnt get a reply :(I hope somebody can offer me some advice We took out a secured loan with PPI (they said we had to have it or we couldnt have the loan) in 2001 for £6900. In 2004 we fell behind with payments and they said we could settle the loan in full for £6000. We remortgaged our house to raise the extra money but on the day of the remortgage the solictor was told we had to pay £11k or the remortgage couldnt go ahead. Obviously we agreed to this but we werent very happy. I decided to try and reclaim the PPI but I had no paperwork. I sent a letter requesting the CCA which they sent but there is no date on it and no signatures. I then sent another letter requesting the PPI + interest to which they said no because we could have cancelled at anytime! When we took the loan out we wasnt married so it was in my husbands name and my maiden name. when I sent the first letter requesting the CCA they replied back using my married name and sent me a copy of the CCA. (a one page photocopy!) My husband sent a SAR request and £10 postal order using his name and my married name and they have sent a reply saying that they cant send us the information because my husbands signature doesnt match the one they have on record and they want his passport or driving licence sent. then they say they was not informed of my name change and want our marriage certificate as proof. (they kept the £10 postal order!) Why have they suddenly queried my name change when they have sent me the CCA and a letter in my married name? the CCA they sent me has no signatures on it so what are they comparing my husbands signature to?? I really dont want to send them any of our documents what should i do? and why do they want the documents, it just seems a bit strange to me? Sorry for the long post and I hope someone can help

As suggested I sent a letter via recorded delivery for SAR and included a postal order for £10. Now this is a bit strange..when we took loan out we wasnt married so it was in my husbands name and my maiden name. when I sent the first letter requesting the CCA they replied back using my married name and sent me a copy of the cca which is not even signed by us or them and no dates on it! My husband sent the SAR request and postal order using his name and my married name and they have sent a reply saying that they cant send us the information because my husbands signature doesnt match the one they have on record and they want his passport or driving licence sent. then they say they was not informed of my name change and want our marriage certificate as proof. Why have they suddenly queried my name change when they have sent me the CCA and a letter in my married name? the CCA they sent me has no signatures on it so what are they comparing my husbands signature to?? I really dont want to send them any of our documents what should i do? PS they kept the £10 postal order! I hope someone can advise thanks

Thank you so much for your help, i really do appreciate it, you certainly know what you're talking about. I am going to send the SAR letter tomorrow by recorded delivery and hopefully they will reply. thanks

Hello I am a newbie, so I hope this is posted in the right place. I took out a secured loan through Priority One in 1999. we borrowed £6900 and it was from First National but we had to take out the PPI or we couldnt have the loan. We remortgaged the house and on the day the money was being transfered the solicitor phoned us and said she needed to pay the secured loan off with the new mortage which we said was fine but we had to pay £11k back even though loan was repaid 5 years early:o We had no choice but to pay this but it has always annoyed me, as they told me a few months previously that we could settle in full for £6k, where this extra £5k came from I dont know. So i thought i would try and claim some of the PPI back, but I have no paperwork. I have found out First national is now GE Money so i wrote for a copy of the CCA. they sent it to me but its unsigned!! I wrote back asking for a refund due to mis-selling but they say i am not entitled to one because we could have cancelled at anytime and the case is now closed unless i want to make a complaint! SO....what do i do? Is it worth trying to re-claim the PPI, can i find out why my redemption fee was £11k and did i legally have to pay that when they dont have a signed agreement??? Also is it past the 6 year deadline cos it was taken out in 1999 or is it 6 years from when it was paid off in 2004? Sorry for the long post