Hi ims21 Got a transaction printout with everything on and the card was closed in June 2006.

UPDATE GE Money sent prelim letter for charges no reply sent LBA no reply so far not counting my chickens. MBNA received SAR sent off prelim letters for PPI and penalty charges spreadsheet say the claims where 20k and 40k respectively not sure if correct but sent anyway. Sent of letter to FSCS to review the rejection for freedom finance loan thanks to andybars help hope for the best. In process of sending SARs to HSBC,BLACKHORSE,BARCLAYCARD for a MORGAN STANLEY CC and HFC. Still awaiting HALIFAX SAR Reply.

Hi all So got SAR back from MBNA filled in fosci spreadsheet and it came back with nearly 20k that can't be right. Card started early 1999 paid PPI from first month till 2006 there is about 80 premiums ranging from 10 to 15 pound help please. Also there is loads of late fees and over limit fees on the card from same dates and the spreadsheet says 40k what am I doing wrong or is that seriously how much the compounded interest would be.

May be the biggest ever in fact

That's going to be some payout that one get it up yer Natwest lol

Hi mixman, How much was your PPI premiums added up and also what was the total of charges. I only ask as I'm claiming back the same PPI and charges going back to 1999 and using the spreadsheets my claims are quite large. I used the regulatory compound spreadsheet and both are over 10k

Hi andy, Cheers for that looks good will send it asap and hope for a favourable response. Thanks again Dave

I said what you suggested basically saying that the last advice i took reference the PPI was on the 16th jan 2005 which i then signed the application. As i was desperate for the money i signed as they told me i need the ppi for the loan.

Tried speaking to someone at FSCS Today just fobbed me off

Well worked out my PPI For MBNA Credit Card With the spreadsheet came in at over £26k not sure if its right mind.

Update Still waiting for a Response from GE Money not holding my breath. Been Advised to go after the underwriter for the claim against Freedom Finance which has already been rejected by FSCS. Received SAR From MBNA but no statements just transaction history going with PPI claim as Penalty charges are probably to old so not sure to even try. Still waiting for Halifax SAR.

Hi, Have you had much joy with Cigna Dave

The claim was against I group/GE money who fobbed it off to be the brokers fault which was freedom finance who are in default hence why it ended up with FSCS/Deloittes no idea what to do next

Received letter from FSCS today rejecting my claim stating as it was before jan 14 2005 they can't proceed even though the loan started on 27th jan 2005 and I only signed the loan agreement with PPI already added to it the day I received it which was 16th jan 2005.

Got a reply to my SAR Request from HBOS I only went and forgot to sign the letter Doh lol. Letter resent with signature this time. Also the check I sent to MBNA has been cashed so hopefully will receive something from them soon.

Hi all, Got phone call this morning from Deloittes to tell me they are happy with all the documents I have sent them and they are just waiting correspondence from GE money and the insurer Signa basically to provide the same information I provided. She said they normally give them a month to reply but hopefully that is one of my claims sorted.

So you can reclaim additional interest charges that are added to statement

already got a thread

Sorry wont let me

Hi Did you get any joy with GE Money. I only ask as im going through same thing with them

I didn't know half the things I could claim back until I came across this site now I'm obsessed with reading Threads all day to better my knowledge it seems to be working. Dave

TBH I was a bit rubbish with my finances when I was younger which ultimately resulted in my home being repocessed. It did give me a kick up the backside luckily the repo of my house paid all my debts off but if all of this could have been avoided I'd like some sort of retribution in the terms of reclaim charges that put me in the position in the first place. Dave

Hi all, Halifax SAR sent this morning for a mortgage I had between June 01 to April 08 let's see what crops up. Also send a SAR to MBNA for credit card. A prelim letter to GE Money for a secured loan/mortgage. Also letter to Fos who are dealing with a welcome finance loan. And final requested documents to Deloitte via FSCS for a Secured loan with Freedom Finance. Fingers crossed will keep everyone posted. Dave