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."

Hello Guys, Thanks very much for your responses. I don't have a mobile with a camera, I guess I'm very old-fashioned. I'm getting it scanned tomorrow and will upload to the site a.s.a.p. Regards.

Hello Brigadier, Thanks for your response. I don't have a scanner to be able to post the information. I can fax it if you can let me know your/CAG's fax number. Alternatively, I know of someone that can scan it, although that would not be able to be completed until the earliest tomorrow. For speed, then faxing is the best option. Regards.

***Update*** Hi there, I've had a response and they want to send a payment that is just under £130.00 This includes the 8% interest. I'm not sure if their calculations are correct, especially as I paid out over £3,000 in car insurance policies over a 4 year period. Regards.

Hello ims21/dx, After receiving my credit report and sending a cca to all the dca's, there was only one registered on my report i.e. Moorkrap aka "Mk". It didn't state on who's behalf they conducted a search. So out of interest, I decided to cca them too. Within the stated timeframe, I received their letter with the following response: _____ " Re: Mk Ref: xx Client Ref: cc number We refer to previous correspondence in respect of the above and duly enclose the requested documentation. As we have complied with your original request we confirm that the hold which was previously applied to your account has been removed and that our normal collection methods will recommence after a period of 14 days from the above date. [letter is dated 3 August 2013]. We therefore request you make contact to discuss your proposals for repaying this debt. Should you have any questions or require any additional information please do not hesitate to contact us direct on the above telephone number." _____ I noticed that they have not given a statement of account or balance on their letter. There are also two attachments: 1. A one page copy of a c/card application form - signed and dated in May 2000. 2. A fax copy from my previous workplace showing when I contacted Nationwide cc to ask them to change the card's password. Attachment #1. Upon looking closely, there is no heading on the application form to show which cc company it belongs to. It only has the words "Priority Application" in larger font in the top right-hand corner. There are also the following headings on the form: - Principal Cardholder Details (details completed) - Employment (details completed) - Payment Protection Insurance (not required) - Card Protection Plan (not required) - Additional Cardholder (if required) ~ (not completed) - Credit Agreement Declaration - (this is a small section as part of the app. form) . This has been signed and dated. I have noticed within the credit agreement section in tiny print is the following: " e. any information about me and any account can be shared within Nationwide to make lending decisions, collect debts and prevent fraud; and with licensed credit reference agencies and fraud prevention databases, so their subscribers can use it for these purposes:" " f. any information about me and my account can be shared within Nationwide for business analysis." " h. You will not share any information about me and my account outside Nationwide for marketing purposes." Attachment #2. - information already shared above. __________ It is clear that my information was shared outside of NW without my permission and outside the scope of was stated on the form. Also, is Mk a licensed credit reference agency whereby they 'legally' received these details? From doing some further reading, I don't believe that Mk have fully complied with my cca request, even though they state that they have. I also haven't received a cca form with it's prescribed terms. For any further clarification, I am happy for you to see this attachment information for yourself. I don't have a scanner although if required, I can fax it to you. What are my next steps/response to them? Thanks and Regards, AdvS1.

Thank you very much, ims21. I'm not keen on it either. I really appreciate your guidance. Once my correspondence with each company is finalised, I will certainly be hitting that donation button (more than once) Have a great evening!

Hi there, thanks very much. Yes I have always been told off by my family for being a mini-hoarder. In this situation it should prove very beneficial. Another quick question, do you think I should send them a bank statement payment too or just leave it for now, depending on their reply?

Hello ims21, Thanks for your reply. I am looking through my files to see if I can find additional information/paperwork, and from that will update here accordingly. To make it simpler, I have answered your questions seperately below. - So this vehicle insurance was taken on a finance contract to which PPI was added? Yes, it has been. From looking more closely at my papers, there is no seperation of charges mentioned of the ppi amount, it is lumped into the main monthly installment payment - If so do you have the evidence that PPI was added to the account? Yes, I do. I have a confirmation letter dated 06/11/98 stating "We are please to confirm your acceptance under the Accident, Sickness and Unemployment policy offered by KF Insurance Services." and I have the booklet from them called "Accident, Sickness & Unemployment Policy". Also, in a letter dated 19/10/99, the details in smaller print at the bottom on the Motor Insurance Renewal states *The installment amounts shown include the renewal of your Payment Protection Plan....". In even smaller words at the very bottom of the page are the words "Premiums shown are inclusive if Insurance Premium Tax at the current rate". The then current policy total amount was £826.36 at 35.4% APR The then current policy total amount which included Protected No Claim Discount Option was £942.63 at 35.4% APR ~~~~ Letter dated 05/11/99 ~ This is a letter confirming my renewal. Under the Confirmation of details: * Insurance premium (including insurance premium tax) £691.71 * 1st Installment £69.17 * Balance of insurance premium £622.54 ADD * Installment Charge £99.61 Total Amount Payable £722.15 Subsequent Instalment Amounts £65.65 First payment date is 02/12/99. Subsequent payments being the 2nd of each month. Under the Confirmation of bank details, they have quoted my: * Sort code * Account Number * Account Name On the Motor Policy Schedule, there is a box called "Additional Premium" with an amount £691.71 in the box. It also states "Additional premium is inclusive of Administrative Fee". The admin fee amount is not stated. ~~~~ Letter dated 09/11/01 ~ This is a letter confirming the renewal of the policy. It shows the monthly installments due from 8/12/01 for £84.04 and 8/01/02 - 8/11/02 for £78.37 (monthly lump sum figures only, ppi is not shown as a seperate fee). Regards, AdvS1.

Hello, As per my earlier post, I welcome your 'next steps' advice. Thanks, AdvS1.

Hi Guys, As a reference, I originally started a thread here [ http://www.consumeractiongroup.co.uk/forum/showthread.php?396944-PPI-Claim-against-MBNA-c-card.-Involves-1st-Credit-amp-Connaught-DC-Agencies ] about PPI, however I have now received a response from KF re: my ppi letter on car insurance. In my original letter in early-July 2013, I gave them my details which included the following: - my full name - my DOB - my full address incl post code - telephone number - contact email - insurance details incl the following * client ref: no. * ins. cover type * car details * car reg - dates of insurance cover - insurance premiums relating to each date Note: The majority of the premiums have dates that are pre-year 2000. I have received a response stating that they are unable to access my policies pre-2000 to early 2000's, to investigate if pp had been added to my monthly direct debit payments. In order for them to take the matter further (investigate), I am being asked to send them information/paperwork received from them at that particular time. Should I comply with this request? and how? I may not have all of the monthly payment information re: bank statements. Surely they should have this information to hand, even if it is stored away in a remote storage facility or on some kind of micro-fiche, disk(s) or cd's. I welcome your response to my query. Regards, AdvS1.

Rightio. Will get onto it. Thanks so much, dx. Have a restful night Regards, AdvS1