Hi All, I was wondering if anyone can give me any advise. I received a letter from TSB stating i could claim for mis-sold ppi on an old loan. I filled out all the information and sent it back. I then received a letter saying they had received it and was looking into my complaint. Today i received a letter stating they are not paying out. Reason are 1)The credit Agreement require additional consent in the form of a click to confirm box to confirm that you wanted ppi policy to be added to your loan It therefore be concluded that you did knowingly consent to addition of a ppi policy to your loan. As is was many years ago i dont have a great memory of the time i took out the loan and it was done online. What would be my next step? Do i have any chance of claiming? I dont have any copies of agreement forms of the loan as it is paid off afew years ago and i would have shredded them. Any help appreciated claire

Hi Ida, I have always paid by DD, but they have cancelled it. I don't want to give them an excuse to say i have missed a month, so i will pay on-line this month. I just can't believe that they are demanding half the balance at once. I think its because i own my own home (mortgaged). The girl said as much when i spoke to her. They knew the balance last year and accepted £50 per month, so why come so heavy handed now?, but i have the fighting spirit in me now, and i will do anything i can to protect my home. Lets hope i can keep this spirit up.

Hi Ida and Rory, Thanks for your replies. I am feeling a lot better today and in the fighting mood. I cannot believe the lies that these people tell you in order to scare you. First they tell me the council has instructed further action, but when talking to the council, they say they have'nt. They deny talking to the council who was phoning on my behalf, but have told them i had cancelled my DD, when in fact it was them, (so they must have talked to them)I am going to pay on-line, so that they can't say i have missed a payment. I got a letter today, saying that they won't accept a higher payment, they want blood instead. I have sent off another i & e sheet, but i guess they will reject that. They said they will accept payments but it will not stop any sequestration action being taken against me. The ND line said that the courts take a dim view of this kind of action, when a customer is paying then an unreasonable demand is made on them. Will wait and see what happens next week. Thanks again.

Hi Folks, I'm back again. I received a letter from Scott & Co yesterday morning, threatening me with sequestration. I was worried sick, so i phoned them, and they want half of the debt (2500) up front then they would arrange a plan with me. I told them i did'nt have that amount of money, but she was adamant that was they wanted. I phoned the local council to see if they could help, but although the woman was nice on the phone, and phoned Scott & Co for me, she said it was up to them how they recover the money. She said the letter i had received from them, was not instructed by the council, and the reason i got it was because I had cancelled the DD. I definitely did'nt cancel the DD. I checked my bank account and its still up and running. I phoned Scott & Co back, and found out, they had cancelled the DD. I know i should have put everything in writing, but i am so worried, i wanted it sorted out now. Anyway, the girl from S & Co said, nobody had phoned from the council (duh) and all that was on my file was a possible EA. (Communication is obviously not high on their workload). I have ended up phoning National Debtline, and they are so nice. They have told me (which i know) to put everything in writing, and send by recorded delivery. They also said they thought S & co were being very high handed, but they have given me some options to think about. One of them was a DAS. What do you think? If they refuse my new payment, i might have to go down that route. Sorry its so long winded, but these people are the devil incarnate, i am willing to pay, but they will still go down the route of sequestration. I feel like i am banging my head against a brick wall. Any advice would be welcome. By the way, i have been paying regular for the past year, and never missed a payment.

Hi Ida, Thanks for your reply. I'll send off the i&e form over the weekend. This time i'll keep a copy. I'll also get the DD changed to a standing order as well. I never thought of that. I did wonder if they were on the "chance" here. It is a year ago since i had any dealings with them, so they must be reviewing their cases and thinking this is the time to get payments upped!. Thanks again

Hi Folks, I am back again a year on. I eventually came to an agreement with Scott & Co to pay £50 per month towards my arrears and paid by DD. I am also paying my current years council tax by DD. I received a letter this morning from Scott & Co stating that outstanding balance is £4989.83 and that the £50 is not making any inroads to the debt. They have enclosed a new i&e form for me to fill in with the view to increasing my payment. It aslo states that if i do not respond, they will cancel my DD and further action will be taken. I do realise that the debt will take forever to pay, but the £50 is maximum i can pay on top of the normal monthly payment of £119 for current year. Can they refuse to let me keep paying the £50? My daughter stays with me and has helped me with the extra £50, but she will be made redundant next week, and i will really struggle to find the £50. I thought everything was fine until the letter came this morning. Any help with be great.

Hi Elsa, I'm glad to know that someone else is up early on a Sunday morning lol. I have been reading the posts suggested by havinastella, and they make for good reading. My cca letter will be sent directly to Littlewoods tomorrow. I'm not disputing the fact that i have an account with them, its the second account they say i have, that i'm disputing. Plus the fact i have 2 DCA's chasing me, and the amounts are different as well. Do i have to cca the DCA's as well as Littlewoods? All Littlewoods sent to Debt Managers was a spreadsheet with 3 years transactions on it, and to be honest it did'nt make any sense to me. There was no mention of the second account on it. The amount they say i'm due is less than i know i'm owe them lol. Will keep you informed. Anne

Thanks Elsa, I forgot i was leaving on Friday, and i don't want him going to my neighbours asking where i am. I'm normally quite a strong person, but this carry on with littlewoods has left me completely baffled. I can't understand why there is 2 DCA's on the case with 2 different amounts and accounts!. If i leave it to go to court, then surely the sherrif would see what a mess this is. Thanks for the support, this gives me the boost to see this through. Anne

Thanks guys for your responses. I will take great delight in telling him to bog off, then firmly shutting the door. You have given me the backbone to do this. Anne ps. Have just remembered that i won't be here on Friday, i'm off to visit my son for the weekend. I hope he does'nt go to my neighbours doors.

Thanks David for your reply. Thats what I'll do.............tell him its in dispute and take no c**p from him lol. Anne

Thanks guys for your replies. All Littlewoods sent was a statement for the past 3 years, with my original account number. There is no mention on there for the £6 sandals i bought (in a sale). The alleged second account would have been the £6 sandals and the rest would be charges. It also says i defaulted on the 16/02/09 and the balance £206.72 was sold. I don't understand why i have 2 DCA's harrassing me. In total they allege i owe in the region of £650!!. There is no way on earth i am owe that. I will send off the letters on Monday and wait for the 12+2 days to pass. I am willing to pay the £6, but definately not the charges. As for the DCA from Credit Security Ltd, he is due to visit this Friday for another payment. Should i just tell him to go away, until this mess is cleared up? He said to pay something every month to stop legal action being taken. My scanner is not working so i can't scan the statement, but it says Debits: £891.05.....Goods £633.05......Charges £258.00. In the second column it says Credits: £684.33....Payments: £684.33. Cheers

Hi Folks I wonder if anyone could tell me what to do here. I had an account with Littlewoods from 2006'ish, and paid regularly. Out of the blue about a year ago, i recieved a statement with another account number on it, saying i was owe then £206. I checked to see if my name was on the statement and it was. I phoned Littlewoods, and got a nasty woman, who told me it was my second account!. I told her i did'nt have a second account, why would I when i have one already. It turned out it was for a pair of sandals i had ordered, and instead of adding them to my account, a new one was made up. Fast forward to 6th May 09 and i get a letter from Russel & Aitken solicitors who say they are dealing with Debt Managers for this "bogus" account. I phoned Debt Managers on the 8th May 09, and got a lovely lady, who said she would apply to Littlewoods for a spreadsheet of my account, and that the a/c would be on hold till all information was received. I honestly thought i would hear from her saying there was a mistake. Fast Forwatd again, to July 09 and i have a man at the doorstep from Credit Security Ltd, saying he was collecting on behalf of JD Williams!!. The amount being £403. I was totally taken aback, and said that the a/c was in dispute, but her persuaded me to pay a token amount of £20 per month to avoid llegal action being taken. So thats what i have done for the past 2 months. I received a letter today (4months later) from Debt Managers saying that the a/c balance is right £206. and enclosed a spreadsheet from Littlewoods. The problem is, the "bogus a/c" number is missing, and they are using my original a/c number??. So now i have 2 DCA's each with a different amount, and i am completely bamboozled. There is no way i am owe £206, but they have created a spread sheet to make it look like i do. Sorry this has been long, but can anyone advise me of my next step.

Thanks Ida for your reply, I have printed off the time to pay form. Meanwhile i have made another i&e and this time i have written out everything i owe each month, so fingers crossed. (including sky!) This is a great site and it makes you feel that you are not the only one going through this.....Thanks again

Hi and thanks for your replies. I will send off another i & e form today. I must admit i did get confused when making out the other one. When i spoke to the young girl on the phone yesterday, and i told her that i could'nt afford the £65, she had a look at my form and said " i see you have sky tv". She deemed that a luxury. Its only the basic package. I am worried that they will arrest my wages, as they said it would be £145 they would take off. Do you think i could e-mail in the i & e form to them, or am i better sending it by post? I would also include the letter that ida gave me, which is brilliant. Thanks again. ps. Would they go ahead with the arrestment while i'm disputing the amount to repay?

Hi, I regularly read this board and so would like some advice to my dilemma. I have outstanding council tax arrears, which was due to me still receiving a discount for my son who was in an apprenticeship. I honestly forgot to inform them of his completion of this. There was no mention of anything until out of the blue last year, i got a letter from the council asking about when he completed his apprenticeship. The result is i am owe them thousands in back dated tax. I am at my wits end. I got a letter from Scott and Co, 2 weeks ago, threatening wages arrestment. I phoned them up, and they sent out a income and expenses form, which i filled in and sent off. I am barely keeping my head above water at the moment, and the best i could afford to repay them was £20 per month. Thats on top of paying my normal council tax. I got a letter back this morning rejecting this amount. They want £65 per month or else my wages will be arrested by £145 per month. I really can't afford to pay this. I told the girl that i would have to get advice on this, and she said i would have to hurry up as the arrestment was on my file ready to go. Also i would have to pay Aprils instalment up front. I really would appreciate any advice. Thanks