hi, i do have statements but are largely incomplete from the time the account was opened. ppi start date Feb 1997 - end date april 2009. though with the PPi claim i have ongoing with B/C , they sent me a Schedule Of Charges showing how they've calculated my PPI payments but from Pre 03/03/2005 they have estimated the PPI charges i guess to do with the 6yr statement rule thing! Date of this schedule was March 21st 2011, this amount was £1712.19.This time they also wanted to offset to the alleged outstanding balance with lowells, which i refused to sign the declaration and never heard anymore until, When i contacted B/C again in Feb 2013 about my unpaid PPi claim they sent a reply letter offering me £2107.40, i guess the revised higher figure is from the 8% simple interest per annum the longer their holding onto my money. anyway back to the drawing board and try to stuff up lowells and B/C with this so called Recon CCA, and try and get back what i'am owed. Any suggestion on what i could send these losers as a reply would be gratefully appreciated. Mab.

Hi, so would it be worth a letter to b/card asking for the refund not to be offset, is there any specific wording i should use in putting the letter together. thanks again.

hi my last payment to B/Card was Dec 2008. there is a bit of a twist in this also, Back last year i contacted Barclaycard for a refund of ppi, On 28/02/13 barclaycard reply and have had offered me £2107.40 . though it seems they want to offset against the O/S balance.I think this is why lowells are trying everything not to give up and close this account. dont see why i have to pay them if they're unable to produce a cca doc would this be right? are they allowed to use the refund to offset? thanks MB.

Hi dx. Lender Lowell Balance £1484 updated 13/05/13 Status - Default account start date 27/02/1997 date of default 20/05/2010 opening balance £1455 default balance £1455

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hi, Please, I would like to know exactly what i should have received as a reconstituted CCA request from lowell portfolio. The situation i have is: 18/03/13, I sent a CCA request to lowell for a barclaycard account. 14/05/13, I receive a reply to my request and states, after liaising with barclaycard in an effort to obtain this document we have been advised that this is no longer available due to the length of time since the account was opened. Also it states they are closing my account and not make any further contact with me concerning payment against this account unless the copy of the agreement is received at some point in the future from barclaycard. 17/05/13, I receive a letter from lowell saying, We are in receipt of your recent request for a copy of your agreement.Your O/C has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the CCA 1974, we are not obliged to send you an exact copy of your signed agreement. We have now fully satisfied our obligations required following your request under the CCA1974 Blah Blah Blah, We would also confirm the following information as required by the above act. balance payable against your account £1484.19 current state of your account: defaulted. What i have received with this letter as what they say is a recon copy of the agreement: An a4 with my name and an address (address is my fathers address, i have never lived there) a box with written inside YOUR RIGHT TO CANCEL, once signed .you'll have short time to cancel and so on etc. Barclaycard agreement A copy for your records sheet (in the top right corner a little cancellation form to fill out). a sheet about;Barclaycard conditions of Use, a copy for your records. Barclaycard terms n Conditions sheet. A supporting letter from barclaycard dated 18/04/13 (see attached scan)[ATTACH]44074[/ATTACH] Please could you advise on this matter, is there things missing that should be in this recon agreement, it just seem right to me but i havent got a clue thats why im asking for help. kind regards mark.

Ok thanks, would u have any pointers as to what kind of letter I could send to mbna and any quotes / wording I may be able to use in the letter thanks Mab

point 5; mbna's default does not show as satisfied though

Hi All, a long story goes like this, Had an abbey credit card issued thru MBNA around April 2004, due to a change in employment I stopped making payments around 04/11/2008. On 30/06/2009 MBNA marked a Default on my credit file - Default Balance £3512. I believe that this was sold onto Experto credit. On the 27/06/2010 I was given a judgement by default by Northampton county court, claimant Varde Investments Ireland ltd. Judgement amount £3978.00.(On my credit file). (Obviously judgement went undefended by me). I then started to have a few letters/forms from my local court, attachment of earnings orders, letters to attend court for questioning etc (ignored them, stupid I know), In the time of all this I moved to a new address, to which I then received a letter from my local county court saying to attend court for questioning (Oral examination) on 14/11/2012 or face prison for 7 days blah blah blah - (I did attend court this time). This examination record was sent off by the court Back to Varde. A few days later (after attending court) A letter dated 16/11/2012 comes thru the door from a Company called Aktiv Kapital AS, zug branch stating they had bought the interest from Varde Investments, we are the new legal owners of this debt under this account and we have appointed Aktiv Kapital UK Ltd to collect any and all outstanding sums. They go on to state that under the DPA act 1998 they are the data controller and will process any such data assigned with the account, and upon receipt of this letter I must contact them on (tel no.) so that we can discuss your options with us. On the 5/12/2012 I receive a letter from my local county court stating that Aktiv Kapital be substituted as claimants in place of Varde investments. Not long after this above letter I receive a Notice of issue of a warrant of execution dated 17/12/2012 claimant being Aktiv capital AS zug branch, unless I pay the claimant £4127.12 by 22/12/2012 otherwise bailiffs will call and remove your goods etc etc. In a panic I filled out a N245 asking for stay of execution and that I can offer £15 a month. Letter back from judge happy with that and must make the monthly payments start from 5/02/2013. Another company by the name of IND sends a letter for direct debit details and payment is made to them. So that’s the way it’s all going at the moment. NOW, upon a very recent viewing of my credit file with Equifax, I notice Aktiv K have put a default on my file under my new address (remember MBNA default and ccj is under my old address.) this default goes by the heading of - Credit Card from Aktiv Kapital , i do notice it has the same default date as the MBNA (30/06/09) though the Update date reads 31/10/2012, default /delinquent balance £3512 current balance £4078 RIGHT this is the part where if possible id like you experienced people to pick out any flaws in this information I provided, ask any question you might like me to answer, provide any information, any kind of letters I could send and to who and ask for such info, any thing that you might see as a bit of help. Some of my queries are: 1. How would the original default amount from MBNA £3512 be different to the amount now claimed by Aktiv k £4078 how would this occur, is it legal. 2. Aktiv K updated my credit file on 31/10/2012 but the letter they sent me claiming they are now the legal owners after purchasing the interest from Varde Investments is dated 16/11/2012 3. Should I have received some sort of notice of assignment from Varde or notice of default from Aktiv before they marked a default on my file. 4. Can aktiv place the default under my new address, although the MBNA default and ccj is under my old address? 5. Can I have 2 defaults on my file for the same debt/account? Think that’s it. Am really sorry if you feel I’ve gone on to far but this is the only way I felt I could describe the situation, King Regards Mark. p.s I have recently SAR’d MBNA the original creditor , things I received back are , comms log , list of transactions throughout the active account, letters from the regarding my ppi claim , and a copy of the application form/credit agreement as the fold n seal type postal application with my signature on it.

Hi All, Recently Sent a SAR to this outfit on (6/02/13) , had a response from them today (their letter dated 8th feb 2013) stating: Thank you for your recent letter which has been passed to me as i deal with requests for information under the D P A 1988 The documents that you requested have not been enclosed. this is because you haven't signed your letter or enclosed the required fee.,,, and as the rest of the letter goes on asking for a copy of my signature and correct fee, or if i didn't want sign my name a copy of passport of driver licence to confirm identity- blah blah blah... ------------------- Ok , I did not sign the letter as i only typed my name with a different font at the end of the letter i typed out, Though as for the Fee I did send a cheque off for £10 with my request. I have read similar posts on here where Cap One have cashed the cheque and still refuse Docs for no signature. Is their statement that, I haven't sent the £10 fee another stalling tactic from them? Shall i wait a few more days to see if the cheque does get cashed? What would some of your thoughts be on this. Kind Regards MB.

hi, what i'am possibly trying to achieve is whether this could be a mis selling of this product, yes i do believe i have no knowledge of signing or verbally agreeing to this product. , though as CIGNA stated in my phone call to them recently that this was done verbally over the phone. On another point , when i first took the amex credit card the account was dormant for a good few months as i never used it so was at £0 balance and then out of the blue the charge for this mentioned insurance service was being deducted monthly. chap from Cigna quoted they have no records of the phone call agreement , no signed agreement.!! sorry if im not making sense, aint very good dealing with this sort of stuff.

anybody any advice please !!

Update. Received the call back from a chap at Cigna Insurance services, the Information he gave me was it was a marketing call and it was a verbal agreement made over the telephone and then the policy Doc's were sent out to in the post. I asked if there were a recording of the telephone call , his answer was No there wont be one. I asked if there was a any sort of agreement Documents i have Signed to accept the policy , answer No as it was a verbal agreement. He then went on to mention that the policy payments are usually collected by DD but i chose to pay it through the amex card.(Coincidence Amex and Cigna work together) finally he said , that i need to write to them to enquire further on this info i asked during the phone call. what do you expert people suggest on this , is it worth pursuing , could there possibly be a claim, any suggestions to letter i should send, and so on. I Would appreciate any help and comments , Thanks, MAB.

hi. just and update about this charge on my amex card. phoned amex this morn , they say its a life insurance policy and thru a company called Cigna. I am now waiting on a return call from Cigna to explain everything about this as amex told they cant tell me muh more about it.

cant quite remember how i applied, will it be a good idea to send a S A R to them and see if that brings out any info or just call them and find out? TA. MAB