Thank you. Most of the information I have read so far relates to cancelling the ppi or claiming the ppi, rather than the interest element. I'll have a read on the fos site and see what it says. B

Oh, and I also receive 6 months full pay for sickness and a further 3 months half pay. The redundancy element would have only paid out for a year. I have no existing medical conditions either then or now. Given my age, if I had incurred a sickness/illness that kept me off work more than a year I would have been retired off early with my pension. (ill-health retirement) B

Hi Can anyone give me their thoughts on this situation? I took out a secured loan with Barclays in November 2005 for 61k over 22 years to consolidate debts and an extension. I applied over the phone and was sold ppi. I do remember telling them that I had quite a bit of cover already (namely, life insurance with critical illness, accident insurance, private health with work, death in service benefit, and with 27yrs service, a redudancy package which would have been considerable) He said 'you wouldnt want to consider a loan of this size without ppi though and it would help the application to go through, so as I was in a mess, I agreed to it. He went on to tell me that the cover would only last for 5 years and if I hadnt claimed, I would receive the ppi back as a cashback feature so it wouldnt have cost me anything. I knew I wouldn't claim so thought well if it helps the application I will pay it and just look forward to the cashback. I received this last November, £12k. What I hadn't realised was that I am still paying interest on this ppi for the rest of the loan. I did realise this a couple of years ago, but when I rang to query this, I was told I would only get about £1000 back and it wasn't certain the loan would be approved on my present circumstances. What I need to know is, having received the ppi cashback, could I now complain about it being mis-sold in the first place and ask that my loan be amended to a state as if I never had the ppi and my repayments be adjusted accordingly? My repayments are variable and are currently just over £600pm. £112 a month of this is the ppi element. If so, do I write to the bank or direct to the ombudsman? Thanks for reading, any views would be welcome. Bea

Hi I received the original credit agreement from Hillesden Securities t/as DLC for the BH loan along with a letter asking me to contact them within 14 days to discuss repayments. Today, only 5 days later and without me contacting them, I have received a letter confirming my payment plan of £10 per month for 6 months. No mention of the equitable charge or anything. I intend to just carry on paying this without contacting them. I am hoping they will just carry on accepting this. Still nothing about the MBNA credit card they are managing. Cannot imaine they have any agreement as I applied online and cannot recall signing anything! Please feel free to comment. B

As I intend continuing reduced repayments to my other creditors, who so far have left me alone, should I still CCA them or leave well alone?

Presuming they have backed off until the credit agreements have been found. Will continue paying the reduced payments and not put the accounts into dispute as it has always been my intention to pay what I can. Still fearful of the postman! B

Update: Unfortunately I didn't receive any further advice so I have written to DLC on 30th March stating it was in response to their letter dated 15th March regarding the equitable charge. I briefly said their letters had crossfired with mine and also my cca requests to which I had received no reply. That whilst I awaited their reply I was considering the equitable charge option and that I would continue paying the reduced repayments as usual, however as you are also managing another debt of mine... and I have received a letter indicating you are taking legal action for this, please can you clarify your intentions relating to this as it will no doubt affect my options. Today I have received a letter from Hillesden securities (from same office) dated 30th March (again cross-fired with my own letter) as follows: Thank you for your letter. I can confirm and advise the following: 'I acknowledge receipt of your £1 We are still awaiting a copy of your original agreement and statement of account from original lender If we are unable to forward a copy of the original agreement we will be able to supply a true copy of the document which will comply with section77-79 of the cca 1974 we would like to draw your attention to the ruling in the case of mcguffick v rbs judgement dated 6.10.09 in relation to what is considered enforcement, the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is a step taken prior to the commencement of proceedings and therefore not considered enforcement. We will continue to report the account status to the cra's as this is also not considered enforcement. Whilst we may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding and the underlying obligation remains intact. In view of the above judgement the account will remain with our collections department for collections activity to continue. I will update you on developments in 21 days if there are no developments beforehand' I haven't heard from the MBNA avenue. Any views? comments? advice? Many thanks, B

Hi, need some advice as I have to reply this week> 1) Not sure how to reply to DLC re the Black Horse letter offering equitable charge and no court. and 2) the DLC re MBNA letter giving 14 days notice before court action. These letters both crossfired with my CCA requests and letter marked WP stating what I could afford to pay each month and how court action would be counter-productive and accompanied by my I&E. I'm not sure if I should write saying I can't agree to the equitable charge unless they withdraw court action for the MBNA debt as well. Have spoken to trusted colleague at work. Apparantly I can't ask a hypothetical question to HR, every case is looked at individually so there is no set format or policy for what would happen if I had a CCJ, I can only find out if I did actually have one. No further with that then. Many thanks, B

Link to my thread about Black Horse debt and background for this. http://www.consumeractiongroup.co.uk/forum/showthread.php?298271-CCJ-threat-should-I-ask-for-Tomlin-order

http://www.consumeractiongroup.co.uk/forum/showthread.php?299083-MBNA-legal-action-letter(1-Viewing)-nbsp

Hi Trying to link this to another thread about Black Horse debt which is following same route. Have a credit card debt with MBNA. Have been paying much reduced payments for a year then it was sold to DLC and I have been paying them. They have now sent a letter from Aplins saying if I dont pay within 14 days they are taking me to court in order to obtain a county court judgement. This is dated 18th March. On 15th march I sent to them by special delivery a CCA letter and a WP letter outlining what I could afford to pay and citing CPR part 36. MBNA had previously offered me final settlements. Should I respond to this letter further as I have already written on 15th? B

Just received todays post and a letter from Aplins now about the MBNA debt. Will start a seperate thread however they are both following exactly the same route.

I have sent a CCA letter to DLC though for this.

No, I have looked but don't seem to have it, I only sent off for it previously because I had thought I had ppi and was off sick for a short while and thought I might be able to claim. I didn't have ppi and I disposed of the agreement. I do remember checking it at the time though and it was a copy with my signature on for the loan, taken out about 3 years ago. B

Before the MBNA was sold on to DLC, they had rang me on several occasions and offered me a settlement figure of 30% of the debt...I would have loved to have accepted this but didn't have the money.