finally had a result with a PPI claim against Picture Finance. i am receipt of a juicy cheque but have a predicament. i employed a cmc to fight the fight back in 2008 before Picture went bust. After Picture went to Deloitte and the FSCS, I discovered details of a previous account with Picture which also had PPI on it. Ifought this one without the CMC. The FSCS have paid one cheque covering both claims and have deducted 10% on the balance greater than £2000. Could you advise me whether the initial £2000 which has no deductions is for the first received claim the earlier dated account split 50-50 between the two accounts split pro-rata between the accounts i do not wish to give the CMC more than they deserve!!

still waiting for any news. - i have mislaid my letter from deloitte. can any body give me a telephone number so i can start nagging? congrats to all successes to date

all i have received from Orange are continuous bills since june accumulating at £35 per month. they have stated that they received no letter of termination (by phone call) and dont wish to discuss the matter any further. i have sent the info to their Bristol office but no reply

interesting reading peoples experiences with this DCA. here is mine. Took an 18 month contract with orange 17/12/07 with a free PS3. Near end of contract i enquired what they would give me for a new 18 month contract. Disappointed with offer, so took out an 18 month contract with O2 with a free laptop 12/5/09. i sent letter to orange confirming 1 months notice on 9/5/07 and cancelled direct debit after payment on 1/6/09. Lo and behold orange send bill after 2 months saying i am behind with payment. Try to telephone but automated system would not recognise mobile phone number because it no longer existed:evil: After 3rd bill contacted a human being at stolen department!! She said nothing had been received but confirmed that the last usage was 12/5/09 and would accept a months notice. Orange cancelled the contract in september, credited the account with a month and then sent it to MOORCROFT early November with an outstanding balance of c£150. Moorcroft wrote to me asking for £592.3. i replied (enclosed). They replied 26/11 stating that orange are willing to offer a partial settlement of £444.27 They then sent a notice of intended litigation on 9/12. any advice

interesting reading peoples experiences with this DCA. here is mine. Took an 18 month contract with orange 17/12/07 with a free PS3. Near end of contract i enquired what they would give me for a new 18 month contract. Disappointed with offer, so took out an 18 month contract with O2 with a free laptop 12/5/09. i sent letter to orange confirming 1 months notice on 9/5/07 and cancelled direct debit after payment on 1/6/09. Lo and behold orange send bill after 2 months saying i am behind with payment. Try to telephone but automated system would not recognise mobile phone number because it no longer existed:mad: After 3rd bill contacted a human being at stolen department!! She said nothing had been received but confirmed that the last usage was 12/5/09 and would accept a months notice. Orange cancelled the contract in september, credited the account with a month and then sent it to MOORCROFT early November with an outstanding balance of c£150. Moorcroft wrote to me asking for £592.3. i replied (enclosed). They replied 26/11 stating that orange are willing to offer a partial settlement of £444.27 They then sent a notice of intended litigation on 9/12. orange copy.doc orange ii copy.doc moorcroft copy.doc

still waiting for mine:mad: FSCS say it is still with Deloitte:( Getting Jealous!!!

finally received terms and conditions from Northern Rock, please peruse and discuss in relation to legality allan48 northern rock terms and conditions.doc

T and C's received from the Northern Rock, who are currently investigating what has happened to the cheque for £10 Heard nothing from HSBC Visa allan48

small claim sent in after receiving two letters this week. 1. including ... "we confirm that after a further review, the Bank's position in relation to your complaint about your financial difficulty assessment and the solutions offered () remains as previously stated. We accept that you are in financial difficulty as defined in the Banking code, however you have stated that you are unhappy with the solution that we have offered you to resolve this. (stop paying your external creditors!!!!!) muppets should get an interesting response from the judge after that admission. allan48

we have an individual reference number on our letters and mine (without opening myself up to any outside intervention) is a number less than 150 and website quotes that there are 600 cases under review allan48

Received phone call which was derisory in respect of my affordability of the essential living requirements, it was the fault of my external creditors that were pushing me into a precarious financial position. Hey ho never mind - time to send in a small claim and gain the 8% interest whilst we wait for the test case. allan48

i have received my letter from Deloitte and spoken to them, nice people, my claim went in August 2008 as well allan48

NB they have a deadline of thursday!!! allan48

hi Caggers received telephone call this morning from financial hardship team telling me case under review, further details and issues clarified with budget. i pointed out that a kindly judge may look favourably on my position and they would be asked to pay up. Senior member of team will call in next few days to discuss further!!! Keep you all posted allan48

T and C's Requested HSBC signed and sent wait and see