That was my understanding also, but I wanted to check as there are still ongoing issues. Thanks for coming back to me.

Hi All, It's been a while since I've posted anything and I need some advice regarding my dilemma. I am wondering if I have any chance of bringing a lawsuit against the NHS for complications incurred when I gave birth to my daughter 11years ago (Long time I know!!) Basically, when I was in labour I was administered with an epidural which was given to me in my spinal nerves which have left me with nerve damage on the front right leg- I literally cannot feel anything, I also have severe scars on my leg as a result of Legions(?) that came up on my leg, I have been left with unsightly scars which mean I cannot wear Skirts and I there are more conditions coming up onmy leg which I cannot feel, but I can see, this is having a knock on effect on my confidence. Please can you let me know if I still have a case? Thanks All Bizzi x

Understood, I don't intend to let them get away with it...

Thanks Martin, Wasn't sure where best to place this... Appreciate it. :grin:

Thanks for coming back so quickly Surprise.. Really appreciate it. I will write to them again, they really are unbelievable in terms of the time taken to send what information they have!! And what they have sent I could have got from the IVA company... They really have nothing according to them?... I will let you know how I get on.. Thanks again B x

Hi All, I am back after the longest 40days in history!!...;-) Low and behold I have only just received details from my subject access request in the last couple of weeks after having to go through the Information Commissioners Office!!... It's only taken nearly a year!!... and all they have sent me is statements of payments made through my IVA.. but I have some major discrepancies that I need help answering.. First Issue *I have Citi in my IVA- I don't believe I owe money on this debt,their 'initial balance' -they state there was a debt of approx £6,000- but when loan was drafted to the court the amount came in at £1900?? Second Issue *Within the information sent, a letter from Citi explaining they had NO information on the account I was requesting access for (the ONLY account I had!!) a bit of a concern!?!? Third Issue *Is it worth writing to them again to try and get more information?... How do I make further complaint regarding no information in SAR? Should I pass to the Ombudsman now? Fourth Issue *Can I get this account removed from my IVA and the balance reduced? Would this deem my IVA invalid? Would really appreciate some advice please? Thanks you! Bizzi xx

No, I haven't. Thanks for reply.

Wow?.... So can noone help with my query?....

I am your 264th signature.. and a worthy petition it is!! Let's make that change!! xx

Hi Sturm, I've got similar things to you on my file just waiting to get some response to my question regarding this.

Hi All, I need to ask for some advice?... I recently printed off my credit file from Experian and I just want to check some of the information in there. More so to do with the fact I am in an IVA, the amounts on my credit file and the amounts on my IVA creditor list do not match for example Natwest have me listed as owing £10,600 on my credit file, but when the IVA was drafted they have my amount as £10,900!?! Another puzzling thing is Capital one & Citifinancial have my current balance as 'Settled'?... Yet they are in the IVA? I need to understand how accurate this information is supposed to be? Then I can challenge the balances in my IVA. Thanks Bizzi

This letter is fantastic! I can't wait to see their response? B xx

I know this may be a bit out of the norm.. but if you go onto moneysavingexpert.com, there is actually an ex-natweststaffmember on there who may be able to help. You'll get a response quite quickly too.

Fantastic!!.. Well there's still a good £3,000 worth of charges since that claim. Thank you for the clarification.

Hi All, Please can someone tell me, if I previously accepted an offer in F & F settlement, does this now mean I cannot reclaim any further excessive charges applied to my account? If someone could let me know, it would be great. Thanks in advance x

This is great... I am in the same situation although, i have yet to hear from A& L but I filled put the form and advised I owed over £1,000 in council tax, so will see what they come back with. My account with them is closed if I did owe anything it would only be less than £50, but they did tell me the account was closed with a zero balance, They can't apply the payment to a closed account can they?

This is great information, thank you very much. In regards to the subject access, we are now in day 42, so 2 days overdue. I will definetly be pressuring for all the information they hold on me as they are still claiming I owe them just over a £1000, but I believe this was completely cleared by the cheque I sent to them in 2003. Crooks! Thanks again.

Hi All Just to update you, I have recieved diddly squat from Citi and to top it off, I made an amazing discovery today. I have found a letter sent to me in 2003 detailing how much I would need to pay as an early settlement to clear the balance. Now my guess is, that they did not bank the cheque straight away in fact, I am sure the other loan company that issued the cheque contacted me as the cheque had not been presented. Really need some advice as I have been paid nearly £4K for the PPI, but the early settlement would have meant there would have been rebate of interest & insurance both of which combined would come to £6K plus, I need to know if I can claim for this & if so, would I claim also for the 8% on top of this & from the PPI claim payout which they did not pay me. If someone could help, I would be really grateful. Thanks

Thank you so much, you are a star!

This is great, I will draft the same acceptance form they sent me and include the excerpts you have given me, I feel much more positive about taking them on now... I will keep you posted. Thank you so much!

Thank you Dec, I am starting to feel a bit more positive about this now. Really appreciate your help.

Can I also ask, you mention the PPI is separate from the card agreement would this also be the same for a loan instead of a credit card?

Thank you so much for getting back to me. I will draft my own copy of their acceptance letter and re-word it saying exactly what you have told me. Thank you again! Bizzi

Hello?.... Is there anyone that can help with this please??

Anyone help on this please???:?