I am desperately trying to claw back some of the money that Welcome finance have taken from me. I was planning on reclaiming the useless ppi's that I have had But only one of the loans is still outstanding and I have a copy of the agreement with my signature on it, saying that I understand its optional etc For the record I didnt understand it was optional I to was told that no insurance meant no loan. My question is, can I reclaim ppi's on settled loans, and will the fact that I have signed the agreement make it impossible to claim? Apologies if this has been asked before, Im not very au fait with ppi's.....YET! lol any advice would be appreciated.

Finally had a letter from Welcome to say that the sar they sent me contained all the information they held on me. I can't find details of the car loan, though the paperwork is such a mess it could well be there..........somewhere! I have a huge list of comments they have made from phone calls, half of which are either rude or inaccurate for instance: payment late because daughter is sick (2001) ..............I didnt have a daughter in 2001!!! I have had a phone call this afternoon from RAJ asking that we contact him asap and to tell us that we have been charged £10 for the phone call and if he has to come out it will be another £25 To be honest if he comes out, it will cost him 100x that in dentistry bills, my husband is pretty fed up with them, and I dont rate RAJ's chances lol Im going to sit and work out what Ive been charged tonight, and send a letter off to reclaim them. Whilst they are trying to wriggle out of that I will read up on how to reclaim ppi costs. Nothing ventured nothing gained Worst that can possibly happen is they take us to court, but if they do I will turn up and let the judge know what a bunch of *!*"*" they are.

Hello and welcome Tlc!

lol @ them...........so they are saying they will actually go into court rather than refunding you the new lot of charges??? mmm course they will (not) If I were you I would move my account then continue with the claim Don't let them bully you. You WILL get the money back Natwest have good accounts and you can apply online.

Hiya all the time the banks are refunding whilst not accepting liability they will continue to add charges as they see fit to accounts, regardless of whether they have previously refunded or not. All you can do is start the whole process again, bearing in mind that you cant start court action until the charges have actually been debited from your account.

Hiya allesilva These letters that you sent........ were they from the template librarys or written yourself?

Hiya Yea, carry on with your timescale, lets face it they never gave you time to pay the charges in the first place did they?! Fourteen days after they would of recieved the preliminary letter, send in your Lba letter, I wouldnt bother mentioning their first letter, I somehow doubt they actually read them anyway, and the letter you recieved would of been a standard reply..........ignore it and press on! good luck!

Hiya Fourteen days from when they would of recieved it. Then you send in the lba and wait another fourteen days for them to respond, when you say the interest do you mean the interest you have been charged due to the bank charges? Use the time to read threads and re-read the F.A.Q.'S as it will help boost your confidence ...........knowledge is power!! good luck.

lol in that case tis deffo: CONGRATULATIONS!

Thats fantastic news well done! but........... giving you thirty days, to pay what exactly?!!!!

Hiya If you read through the more recent threads on the Natwest forum, you should find the answer to your questions and other helpful information useful to your claim. Good Luck!

Hiya and welcom Msbay! Its worth opening a parachute account, just incase Im not sure if Lloyds tsb close accounts, but some of the banks definately do. and anyway why would anyone want to stay with a bank that has been robbing them blind and making life miserable for years?! NatWest Step accounts are fantastic! They took me, and several others that I know off that also have poor credit ratings, so try there first, their website is now working properly and allowing online applications too! The length of time the process takes varies from bank to bank, unfortunately for you as far as Im aware Lloyds are one of the most resistant to refunds, BUT they DO eventually cave in and settle, of course they may suddenly decide its too expensive to keep draggging things out to days before a court case, and start settling relatively quickly (fingers crossed anyway!) but in the mean time you need to be prepared for quite a long wait! You will have plenty of time to carry on reading all the F.A.Q'S and the threads in the Lloyds forum so that you feel totally prepared and confident that you know what you are doing. Good luck!

Hiya Unless you are on benefits, you need to pay court costs, these are refunded when you win.

Hiya K0r54 Once your fourteen days are up its time to start your court claim and include your interest This can be done online at https://www.moneyclaim.gov.uk/csmco2/index.jsp or go to your local county court and get a N1 form. However! I feel that you really ought to be a little more confident in what you are doing before going any further, use the next few days to re-read the F.A.Q's and the limitless threads of advice found on the forums. The more you know, the happier and easier you will feel about the whole process. Of course there is always someone around that is willing to help but it will be less worrying for you if you fully understand what you are doing Hope this helps Good luck Not long now!

I do hope for everyones sake that negative comments like this don't put people off trying to help others, that struggle with the concept.

Hiya Tamadus Allowing for all the bank holidays lately I reckon Moorcroft have until friday the 12th.........thats if the mail were up to date christmas weekend. So the debt is unenforceable after the 12th Feb Innit?!

Yep thats right!

quote: 1. You must supply me with a true copy of the alleged agreement you refer to. which has not been received, only the statement. Suggesting imho that they HAVE recieved the cca request. The letter is full of "May"'s and "Could", they are scare tactics, in the hopes you will buckle! I think a simple letter saying that you have issued them with a cca request and will not be entering into any more discussion until such times as they have fulfilled your request should suffice. Send it by recorded delivery, first class, it will cost less than special delivery and still get there the next working day. Don't take phone calls from them and don't let them badger you into making payments until this is resolved.

But isnt the debt they are trying to bully you into paying the same debt that is now in dispute? or am I reading it wrong? If its the same debt, remind Moorcroft that as the debt is in dispute, any further proceedings they make against you will be strongly defended and that you will not be making any further payments until the dispute is solved. They have 12 working days plus one calandar month to comply with your cca request, after which time the debt is unenforceable, until such times as they can comply, by which time they have to ask the courts permission to chase you for it. Hope this helps........tis just my opinion!

Hiya Beckxy Any offer they make, shouldn't slow the process down at all, as you stick to your timetable regardless of what they say or offer. You will quite likely get an offer a few days before you start your court action, but you just send in a thankyou but no thankyou letter, and continue as if you had never recieved it. Hope this helps!

You need to read through the F.A.Q's and read as many threads as you can, you can find the S.A.R. letter in the library of templates. Nothing is going to happen over the next few days, because of the holidays, so spend as much time as you can reading, knowledge is power! Get your letter off to Moorcroft as soon as you can though.

Your first letter should of only included the charges You cannot ask for interest until it goes to court. If you have been offered a refund of your charges before the court case this would in effect be a FULL settlement.

Hiya and welcome My advice would be, firstly don't panic, you aren't alone with this drowning feeling and there are people here that can help get you on the road to recovery. I would personally send Moorecroft this letter: I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a cheque made out for a £1 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defense to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. send Abbey a S.A.R. request to see if you have any charges you can reclaim and thus reduce the debt. Stop discussing your accounts on the phone with anybody, simply tell callers you are not prepared to do this and will be communicating through letter alone, that way you cant be bamboozled into agreeing to things you cant afford, and you will gather all evidence should you need to go to court. These actions, will in effect put the debt in dispute, which will stop anyone taking further action until its resolved. I hope this helps Im sure others will be able to advice other things that you could do Please enjoy Christmas Don't let em grind you down!

Well done Steven you should have your money back by the end of January, if you stick to your timescale, Nationwide are paying out roughly a week after court claims are issued. Open a new thread for Capital One, people that are already having issues with them will be able to help and advice you. Good luck!!

Awww well done! really pleased for you The rest of your money should, trickle in over the next day or two. Happy Christmas!!!!