There is no PPI on this credit card. The card is not active. What does this mean for me?

Thanks again DX. So once I've done those three documents, I'm set to send it off? This PPI is for a credit card so im going to fill in the 'StatIntSheet v101.xls', right?

I've filled out the form. I've included interest, as well as late charges, is that correct? For the claim from and to, do I put the date of the first and last transaction?

Sorry, in my SAR, Lloyds sent info on a previous credit car i forgot about. I'm now going through the statements that relate to this topic.

I have an SAR from Lloyds, and in it I found details of a credit card I forgot I have. The charges on it are: -PPI -Interest -Late Charges I'm looking at this post: In particular these points here: -you'll need to fill in a copy of the statint.xls spreadsheet HERE -you'll need to fill in the FOS Customer Questionnaire HERE -you'll need a covering letter HERE Once i have these three documents complete, am I ok to send to Lloyds? Can I claim back for charges and interest?

Do i put down 'Cardholder protection plan' as well? Obviously this is PPI. on a seperate note, i did claim for this many years ago but they refused to pay out. On my statement, ive got 'date of transaction' and 'date entered', which date do i put down?

SAR from Lloyds received today, what do I do now? Total up the interest and charges?

Received my SAR reply today. What do i do now? Go through it and note down the overdraft charges and interest?

If I sort by start date the newest is by Night Owl on November 25, 2011. Are the newer Lloyds success stories somewhere else?

Posted PAP reply on 8th June, received reply on 19th June. I've started receiving information from Lloyds as well from my SAR. Although i specifically asked then for information from the bank account in question, from 1st January 2011, they are sending me everything I've ever had.

Are there no recent LLoydsTSB successes then? It doesnt make me very hopefull

I'm looking for recent cases that have been won, but most of these are over a decade old. Whats going on?

Yes we did. What is the reason for that by the way? They look identical. If anything, they will see the page numbers on the bottom and know we are using the one from this forum.

Many thanks. So Ive filled in on the PAP reply: -my name -my address -my reference number (originak bank ref and the PRA ref) -NO phone or email -Box D -Box I -printed name on last page -todays date on last page Also a Separate piece of paper with the following written on it: Box D- the debt solely comprises of OD penalty charges and the interest they have caused. Tthe debt purchaser has yet to provide any or all of the required documentation. Box I- (the text from ' require you to supply the following.. ' on post three) Will send via first class tomorrow, and get proof of postage

Got a handwritten reply on a compliments slip today advising they no longer charge for information, and that they will look to action my request as soon as they can. My original PO has been given back to me.

What reason should i put for box D?

Sorry, yes, you did say that already. It mentions tick box D and I, but the PAP pdf to download on post 3 (which is 70kb), does not have a box I. Are you able to confirm?

I'm getting my PAP reply ready. I notice on the thread you mentioned about it states: box D tick I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation. box I tick I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form] I also require you to supply the following.. a copy of the Default Notice A copy of the Notice of Assignment A complete set of statements detailing exactly how the debt has accrued detailing: I. All Transactions. II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. III. details of all contractual interest added by whom and on what date. IV. List of ALL Payments made toward the Agreement For box D, what is the reason you experts would advise on my thread? For box I, it advising a CCA request, but this is an overdraft which cannot be CCA'd Would it be possible to get some custom advise for my situation?

Understood.

Well its gone now, I can only wait to see the outcome.

Do I need to send a CCA, or have we gone way past that with a PAP being issued?

CCA sent to: Link PO Box 30095 London SE17WU -1st class recorded -£1 postal order stapled, crossed, but no payee listed, is this ok? -not signed

SAR sent to: Virgin Credit card Cawley House Chester Business Park Chester CH4 9FB -2nd Class, proof of postage -no payment -signed CCA sent to: Arrow Global Limited 12 Booth St Manchester M2 4AW -1st class recorded -£1 postal order stapled -not signed I am keeping payments going for now The postal order is crossed and ive put 'Arrow Global Limited' on it, does this matter?

Im trying to get the definitive address to send my SAR too, is someone able to clarify? I Im trying to get the definitive address to send my SAR too, is someone able to clarify?

This debt is from an overdraft, so i wouldn't expect much of it to be charges and interest. As for my credit card debt, I would expect a big chunk of that to be interest, with some charges. For the SAR i asked them to provide me with details from 1st January 2011.