Thanks for the reply dx. I am sorting out my paperwork this week. And may post some up here for further help. Then the plan is to send a letter to HFC and wait the allocated time for their response.

Hello, This is my first post. Apologies for the length of it. I originally took out a loan via PCWORLD for a laptop whilst still at university around about 2003. A few years later on down the line I took out an update to this loan for about £3000. As we know the name of the company has changed over the years : HFC, Household Bank and Beneficial. And the branch were I updated the loan doesn't even exist now. (Gants Hill) My final payment is next week. I spoke to HFC a few days ago to request an updated/close of account statement. I was told that they do not usually do this but as I had requested it they will wait for a few days for payment to clear and then send out this acknowledgement. Amongst other things I am confused on a number of points: 1) The date of the original loan being pre 2005 where HFC have been fined for miss-selling. Can I claim for the original dated agreement? 2)I would have been sold the original loan by a non-financial (?) individual - the sales assistant/manager at PCWORLD. So is this usable against mis-selling claims? 3)I worked part time (whilst at uni) when this all began, hours that add up to about 2.5 days a week. 4)The re-loan continued the ppi. So again this would be an example of mis-selling? 5) Apart from signatures on the final parts of my agreements all other sections are filled/or unfilled by pre-typed responses, e.g. on behalf of HFC.... I think even one of the ppi boxes is not filled in. Does this mean if I request paperwork that I will get copies of the same paperwork I have? i.e. customer copy vs real copy?? Thanks for any help you may be able to provide.