thanks will do-well im not paying for interest charges

it was a current account

ive already requested the statment just waiting for it i dont recall doing it my new account was already set up with a different bank if i dont have ay comeback then fine i just want to know wherei stood

sorry if this is in the wrong place bit of a confusing one im just coming to the end of an iva all went well for five years until i get a phonecall today saying santander one of the creditors arent covering all of my debt with them according to them i carried on spending on my account after the iva was in place and im not covered for it its my own debt for five years all it has said on my yearly report is evidence required next to santander questioning the amount-i queried it over the years and all i was told was dont worry about it there wont be a problem well there now is as they wont be covered and i now owe 2000 out of my own money which i dont have what advice id like is is it my fault for not persuing this harder is it their fault for not breaking down the amount and saying what was not covered earlier or the IP fault for not clearing this up sooner when i asked they say they have no record of me asking about it-of course not-ive put in a complaint but all they kept saying was but why are you complaining if you spent the money my response was because i was not told about this for five years and could have sorted it out by now if there was a problem where do i stand now as i believe ive been given the wrong information over the course of the iva

she is also trandsferring virgin to her new address i might add so she accepts the rest of the contract she will have to pay

she didnt know in november she was going to start having problems and took over the contract in good faith this is what im saying he agreed in emails that she could subtract the virgin payments from her rent and is now saying they sound high and doesnt want to give deposit back based on the virgin payments

sorry she moved in march last year-another tenant moved out in nov 14 thats when she took over the virgin contract

there was a seprate contract for each tenenat-i say contract like in my above post it was just an email stating rent amount and deposit taken i did warn her about the virgin contract but at the time rthe landlord wasnt hassling her i dont know how she goes about proving he said it was ok for the contract thers a couple of emails would that be enough

she might have it in an email but not a contract as such i told tell her not to do it at the time the landlord was reasonbale and didnt have any problems with him what should i advise her to do go to the small claims courts on the basis it wasnt protected?

im writing this on behalf of my sister shes a tenant in a shared accomadtion (Live out landllord) about to leave after numerous disputes with LL she took over the broadband/tv pacakge when another tenant left- i did tell her not to but the LL at the time assured her his agreement that she could deduct from the rent a new cotract was set up with virgin which the LL agreed t back in november 14, and everything was fine she deducted it from her monthly rent and he didnt have any problems with it come to last month she gives her required 1 month notice to leave and he starts hassling her about when prospective tenants can come and view the room-she said is it ok to do it just in the evenings as shes at work he said no i want them to come when i want she refused this as not being reasonable and he starts hassling her saying its his house he can do what he likes when he likes he also starts bringing up the payments to virgin stating it sounds too much and why is it 40 pounds a month even though he agreed to this he says hes going to take it out of the deposit as its too much- she has never had a confirmation that the deposit was sent to a protection scheme nor even a proper contract as ive just found out just an email stating how much rent is deposit and how much notice to give so on two points has he got any comback for her not "paying full rent" even though he agreed to the broadband contract and second does the fact is not in a protection scheme supercede all that thanks for any help

is that to get it all back now though rather than at the end of 60 months?

when i took my loan out with firstplus i had the terms which said i would get a full refund of ppi payments at the end of 60 months hadi not made a claim ive just looked on their website which now says_ "You may be entitled to receive a refund that is equivalent to a percentage of your insurance premium." have they changed their terms and not told me? i cant find my original document but i know it was a full refund it stated will they try and fob me off after 60 months with a percentage of it

my friend only found out about this through gingerbread noone she knows has received any letter informing them about this seems if they want to give you more moeny you have to find out yourself

it did seem to be quite a frightening report to a noob like me i could well think i would have to pay a charge like that or i would be going to court if i didnt have this forum to look at

im sorry to hear that-its a shame in this day and age that someone should be made to feel that way about where they work