Hi Everyone, Apologies if I'm covering old ground here but after recently submitted SAR's for both me and my wife I am considering submitting a claim for charges and PPI applied to Lloyds TSB credit cards but have no idea where to start. I have read through some older posts to try and establish a format for the application. I appreciate that I will need to complete a Schedule of Charges and a FoS questionnaire but I am finding it quite confusing as the charges/ppi relate to 3 cards. The first card has late charges applied on 6 separate occasions between June 2006 and March 2007. Statements for the next card show ppc being applied for a period of just over 1 year between June 2008 and July 2009. There is an entry in a contact log referring to this card stating that I requested cancellation. I can't even remember asking for any ppc because I have never been unemployed and have never had ppc on any other card or loan. The ppc amount applied changed each month and I'm not sure how it was calculated. Therre were also a couple of late payment charges on this card. The third card appears to be a continuation of the 2nd card but with a different number and has 2 late payment charges dated 2010. Going through the statements has been incredibly confusing, especially trying to establish interest rates as they change on numerous occasions and refer to both purchases and cash. I would be very grateful if someone with some experience of these matters could walk me through this. Many thanks Mark

Hi, I have recently been contacted by a few Claims Management Companies who I have managed to stop bothering me but as a result I have started looking at the subject a bit more closely. I have told these CMC's that to my knowledge, I have never had PPI on any loan, credit card, mortgage etc but as apart from my mortgage, I no longer have any active loans or credit cards and no longer have any paperwork for the loans and cards that I have had in the past. One CMC has mentioned an enormous reclaim figure based purely on a mortgage arrangement fee. I have recently gained a copy of my credit report but I find it very confusing. I have had numerous loans and credit cards in the past and have not always been completely responsible with my finances and have at times missed payments. One issue does spring to mind was after consolidating debt from a couple of cards to one with a low APR I set up a DD for this card with the intention of forgetting about it until the debt was cleared. Unfortunately I used the card in an emergency and did not realise that this affected the APR which I was getting. It was only about a year later when I realised that out of the couple of hundred of pounds a month I was paying, only a very small amount was coming off the debt and the rest was interest. I never received any correspondence from the card provider to let me know the APR had changed. I now do not know whether or not to employ one of these CMC's on a no win no fee basis as it will probably cost me about £100 to gain copies of all the loan/card agreements via SAR's. I do not even have account or card numbers to identify the different policies. Any advice would be appreciated, Mark

Thanks for the reply. I had a feeling that I would be stuck with this product. Waste of money but what can you do? Mark

Hi all, I bought a Sony DVD yesterday for my daughters bedroom. I have subsequently found that there is an issue when you view DVD's using the zoom facility in order to use the whole TV screen. Basically the X2 or X4 zoom icon appears on the screen and cannot be removed which totally spoils the picture. Apparently this is not a fault but instead a feature of this particular DVD player. The staff had very poor product knowledge and I had to talk a staff member through the different menus of the DVD player in the shop. I attempted to return the machine but because it had been opened, Comet would not allow an exchange or refund. Is this legally allowed. Many thanks, Mark

Unfortunately I appear to have spoke too soon. Just when I thought it was all over, I received my letter from Parking Collection Services Ltd. I too have been told that it is their intention to 'collect and pursue this debt to a legal conclusion if necessary.' I have also been given a wonderful opportunity of settling the debt for discounted rate of £99.99, if I settle within 10 days. Whoopee! I'll get my cheque book.

Just to update the original post. It's been 2 weeks since my last post and I have still had no further correspondence. I strongly suspect that the [problematic] have gave up now. Thanks to everyone who has offered advice or thoughts. Mark

Never heard of that one. Is that something that you have received personally?

Hello again, Just a quick update for those who are a few weeks behind me. It's now been 2 weeks since my last correspondence from the [problematic], and no cymruambyth, I haven't been locked up. In fact I haven't received anything else through the post. Hopefully this is a sign that they have given up. Keep the faith!

Hello cymruambyth. I've just had a quick look at your thread. With the introduction of TPS and Debt Recovery Plus Ltd your situation looks very familiar. I had pretty much the same questions as you and have decided to follow the advice as posted. I fully understand you worries and concerns as I have been in the same position. Just hang in there and hopefully they will just give in.

Further update. Another letter arrived today. This one begins, Further to our "Notice of Intended Litigation" letter. A brief drone about referral of my case to their client with proposal of issuing County Court proceedings against me follows. The list of possible costs as per last letter is detailed made up of current balance (£148.75) and Solicitors/Court fees giving total (£253.75). This time however, they have been good enough to offer me an olive branch. The offer of a one off reduced payment of £119.00, provided that I settle within 7 days. Where do they pluck these figures from? I would love to observe a working day in the TPS Parking Solutions/Debt Recovery Plus Ltd office. I wonder if they also do a sideline in private investigation or maybe a spot of bounty hunting. Thanks again for all the posts

Is there any light at the end of the tunnel yet or are these [problematic] likely to pursue me indefinately? Has anyone actually been taken to court under similar circumstances?

Just to update. This morning I received another letter from Debt Recovery Plus Ltd. This one has in big, bold lettering "NOTICE OF INTENDED LITIGATION". The letter this time again requests settlement within 7 days. Also warns that if I do not contact them following receipt of this letter, they have no alternative other than to assume that I am avoiding payment. In this situation the account will be referred to their client for their approval to apply for a CCJ against me. It highlights the additional charges if legal action is necessary. These additional charges include Solicitor's fees, Court fees and Solicitor's costs for getting judgment (by default). The predicted amount outstanding has now risen to an incredible £253.75. Not bad for an overstay in a free car park. Any thoughts or comments would be much appreciated. Mark

Thanks for the updates. I will continue to ignore and update if/when I receive further correspondence.

I now visited the Debt Recovery Plus Ltd website. Quote from website: "Contrary to what you may have read on various web forums Debt Recovery Plus Ltd DOES apply for CCJ’s against individuals and companies who resist payment. Please don’t believe everything you read on the forums. See the below list for some of the CCJ’s we have successfully applied for in recent months. If this is the case, and a CCJ or whatever they are called in Scotland is issued, does this reflect on your credit file or is that only the case if you fail to pay? I still can't believe that this is all down to allegedly overstaying a permitted period in a free car park. I really don't want to pay but cannot risk a CCJ or Scottish equivalent against me.

Thanks for the quick response. I appreciate the assistance and advice. I am now going to browse the aforementioned website to view a selection of their successful CCJ's. It promises to be interesting. Has anyone actually received a CCJ as a result of this or similar scenario?