I have been given a deadline of 17th Aug to respond to this dca's request. They mention removing the hold on the account and state that 'normal collection methods will recommence". I am asking for help regarding my position of standing with them, especially if you have looked at the uploaded app. form in post #9. What content should I include in my response? Regards.

Hi Guys, dx, when you say "ok your issue is that they've had you for years on this", what do you mean and what is the remedy? Just to confirm: I have not received any statements, either 6 monthly or annually The app. form they have presented does not have all of the T & C's required to be compliant with my cca request. ( it would be good to know what the T & C's are so that I can perform a checklist as a cross-reference) apart from the obvious of paying (which I think is in dispute because of the app. form response), what are my best next steps to reduce this balance? Regards, AdvS1.

Hi dx, The balance is not showing. Mk are acting on behalf of NWide c/card. I originally was looking for a case of the account being unenforceable. Is that still applicable here? The Summary of account history is below: * NW c/card a/c created in May 2000 with credit limit of £2,100 . * Over the years it increased to £5,300 (last NW c/card statement I have to hand is for July 2006) * default notice received (no date on letter) * account sold to Mk * with the aid of CCCS, I offered and made payments of £5 per month * I have Mk payment books with slips for these payments. Balance at that time £4,628 in May 2007 * Mk increased the monthly amounts over the years by increments of £5 (without my consent), to the current £20 per month. I paid them * In September 2010, I wrote to and challenged them re: financial hardship and non-consent of any agreement when they pushed to increase it to £25 per month * In April 2013 I received a letter to renegotiate the £20 monthly payments. The balance shown on the letter was £3,483 The extract of the letter states: " We are sure you would like to clear your outstanding balance as soon as possible. With this in mind we would like you to consider reviewing your monthly statements to see if they remain at the appropriate level. We understand in some circumstances you may be able to meet the expense of an increased amount and we will be happy to discuss your current financial situation and to agree a monthly installment arrangement that you can afford. " In light of my cca request in July 2013, and because of the monthly payment date being due, I made a payment but reduced it back to the initial £5 whilst in 'talks' i.e: this cca request and response received. Now I'm asking what do I do? Did they send me a complete cca? To me, it seems that they haven't fully complied with my request of providing a complete agreement form, and I have never received a detailed statement of a/c from them. Also regarding being unenforceable or enforceable, what would be my next move? To my best ability, I can answer any questions you wish to ask. Regards.

Hello, Any response to my uploaded file at post #9. I would like to respond to the dca. Thanks in advance.

Ok, thank you. Will look into tomorrow when my head is clearer Warmest!

Oh, sorry. I was referring to when you mentioned CISHEETS.

Hi, Any response to my attachment upload? Regards.

Yes, and if they are applicable in my case. Regards.

Hi dx, Thanks for that. It shows that I am on the right track Regarding the levy interest, I'm not sure what you mean. Is CIS applicable too? Can you explain a little further as I don't know what information to include? Regards.

[ATTACH]45678[/ATTACH] [ATTACH]45679[/ATTACH] [ATTACH]45679[/ATTACH] [ATTACH]45678[/ATTACH] Hi dx, Thanks for the information. I used the spreadsheet here as it seemed closest to my situation => StatIntSheet v101.xls Both of the figures for the revised (A) and (B), are different from my initial calculations. The interest works out to be more i.e (A) = £201.00 and (B) = £208.80 The results are below: Summary (A) Total PPI Owed £232.77 New 8% Stat Int. £201.00 New Total figure £433.77 Summary (B) Total PPI Owed £241.81 New 8% Stat Int. £208.80 New Total figure £450.61 Did I do it correctly? I have uploaded the files for your perusal. Regards.

Hello there, Attached is the scanned copy received from MK, including my initial CCA request letter. If you look closely at their information, you can see that the edges and lines are not smooth, almost like it was cut and pasted together. Is this what is meant by reconstitited? Regards.

Good Morning, I aim to contact KF today with my response to their offer but before that, I just wanted to clarify the figure I am prepared to accept from them. I have calculated a final acceptance figure(s) of (A) £232.77 or (B) £241.81 . This comprises the following: (A) PPI amount per year £29.99 x 4 years of payment = £119.96 (KF's quoted figure) PPI Owed £119.96 Int Rate 8% Interest £9.59 x Days Due x *3,926 days / 365 days per year = 37,677.03 / 365 Stat Int. Amount = £103.22 SUMMARY: PPI Owed = £119.96 x 8% interest = £9.59 + 8% stat int = £103.22 Total = £232.77 ----- (B) PPI amount per year £29.99 x 4 years of payment (incls int £9.59) = £129.95 (KF's quoted figure) PPI Owed £129.95 Int Rate 8% Interest £10.40 x Days Due x *3,926 days / 365 days per year = 40,830.40 / 365 Stat Int. Amount = £111.86 SUMMARY: PPI Owed = £129.95 (includes their 8% interest) + 8% stat int = £111.86 Total = £241.81 Note: *Duration timeframe for Days Due: 09/11/2002 to 08/08/2013 = 3,926 days (or 10 years and 9 months : which includes today's date) Can you please tell me if my figures are correct? Thank you.

That's what I thought. Thank you. I've also attached the information previously sent as proof. Regards.

Also, I have read (and please correct me if I am wrong), that wouldn't the 8% interest include a timeframe element of when the last payment was made (Nov 2002) to when I made the complaint to them? If so, then that is a duration from Nov/Dec 2002 to July/August 2013.

Hi ims21, That information was never shown on the paperwork that I have. Below is the response from the email received from KF. I still have to respond whether to accept or query it: "Thank you for your email and the information you have provided in relation to your complaint. I am sorry we have given you reason to complain. I tried to call you today to discuss this matter further. Unfortunately, I was unsuccessful. I have reviewed your complaint and have given my findings below. On your policy from 6 November 1998 your paperwork shows that this cover was included in your monthly direct debit payments. Your renewal notice from 6 November 1999 confirms that the payments quoted included the payment protection policy. When this policy was renewed, there is no confirmation on the paperwork that you have sent to me that this cover continued until your policy was due to be renewed again in November 2000. I regret that there is no documentation showing that there was a motor insurance policy in force with us from November 2000 to 2001 or stating that payment protection was included. We have received an instalments confirmation letter and certificate of motor insurance showing that a policy was arranged from 8 November 2001 until 2002. However, there is no proof that the payment protection policy was arranged for this policy. As confirmed in my email dated 5 August 2013, I regret that we no longer have access to your files from 1998 to 2002. However, as you have provided some documentation from these years, I have been able to make a decision in relation to your payment protection claim. Following my investigation, I can only assume that the payment protection policy was in force for your four policies from November 1998 until November 2002. I am unable to listen to the call recording from when the payment protection policy was added to your monthly payments and cannot confirm that this policy was mis-sold. However, our renewal notice dated 19 October 1999 confirmed that your renewal payments included the payment protection plan and we asked you to contact us before your policy was due for renewal if you did not want this cover to continue. When the payment protection policy was sold originally the premium was £19.99 for a years policy and increased to £32.89 in 2005. We have calculated the cost of the payment protection policy from 1998 to 2002 at £29.99. Due to this you are due a refund of £119.96 plus the additional 8% interest increases this amount to £129.59. I will arrange for your cheque to be sent to you. Please allow ten working days for your cheque to arrive. I hope I have answered all your concerns and I that my explanation has been helpful to you. However, if you remain unhappy with my response you can contact the Financial Ombudsman Service within six months. Details can be found by clicking on the link below www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm If you require any further assistance, please do not hesitate to contact me on ??? or by return email. I am normally available from 9am until 5pm, Monday to Thursday."