Does my employer have the right to insist on having my home phone number or mobile number? It is not necessary for my job role - I am a 9-5 clerk, not management.

Called them. Texts were sent in error! Claiming no PPI on accounts.

Haven't even had the letters yet though - got the text first.

No number just says RBS-PPI. Ref no quoted is correct.

I've had two text messages from RBS-PPI saying to return my acceptance of their offer so they can pay me - both quoted references are correct. I've not had a written offer yet so are the texts genuine or am I being hoaxed?

Had two text messages from RBS-PPI saying to send back my acceptance so they could pay - quoted both reference numbers which are correct. I've not had a written offer yet so are the text messages genuine?

All I want to know is can I stop payments if they can't produce the original agreement.

I had a load of credit cards going back to 2003-2006 and defaulted on all of them. Over time the original debts have been sold on to all the usual suspects - 1st Credit/Moorcroft/Bryan Carter/BLS/DML/Connaught etc - I have been paying minimal amounts for years but no CCJ's.

.........and therefore what's the point of asking for the original agreement then? I need advice here.

Why do you need detail? We're talking in principle here. If they can't produce the original CCA can I at least stop payments to them. If the lack of CCA does not mean the debt does not exist, what proves that it does?

After joining CAG I realise DCAs have cash cowed me for years. I'm about to CCA them. Can I claim back payments I've made if they can't produce an original CCA?

What link? And what about the other info I mentioned?

Heres the spreadiie. Also, have found the original schedule which clearly identifies the PPI as "First National Bank Plc Protected Payents Plan" and a letter from GE saying:"...... ...we are currently unable to offer you further cover for the above". This was when the policy was due to expire. Surely this implicitly means they sold the original product and are just wriggling?

Had a reply from GE Money basically saying nothing to do with them - they didn't sell the policy and weren't present at the point of sale - though they admit to providing the finance and that is their final response. They say take it up with the broker Priority One - who I've never heard of - aka Loans.co.uk I presume. I've already sent the claim to them and they've replied as well saying they're investigating. They've asked me to sign an authority form so they can get further information from the lender - First National/GE Money - and or the insurance provider - Pinnacle. What should I do next and should I sign the authority form? I want to go after GE on Section 56 but they say that they will no longer communicate with me unless I correspond with new information. I also don't really understand if I've worked out the refund properly. Please help !!!

Oh, and the interest rate for the loan was 8.75%. How much should I get back?

MBNA sorted, now for GE Money! The story..................took out a loan with First National brokered by Loans.co.uk for £16k over 180 months in 2002. Up front ppi premium was added making total £17384. PPI was only for five years yet paid for over full term. Didn't even need it since I was fully covered by job T&C's for sick, redundancy etc (18 yrs service with enhanced terms over and above statutory cover). Loan was CCA regulated and secured on my home. Schedule clearly says it is First National Protected Payments Plan. Loan settled 2005. Have done the questionnaire, SOC and letter ready to go but have read that GE refer complainants to the broker - now gone bust. S56 CCA is effective in this case presumably and they remain liable as they bought 1st National. Agree?

Thank you very much for the clarity. Best reply I've had. How much did you get from MBNA? I had three accounts worth c.25k.

so how do i find out if i had ppi on old credit cards? don't have any statements now.

to get the original credit agreement

To send the CCA letter.

I've checked my credit report and there are loads of defaulted accounts missing. Now I can't find out who the debt was sold to. What do I do next?

Gonna make this really simple. If I succeed with a PPI claim from MBNA, can they set-off or not given that the debt is sold to 1st Credit? Where is the legal basis for this that I can quote in my accompanying claim letter? Thanks

Why does noddle want my card details? Are they to be trusted?

Might be being thick but who do I send that to - MBNA or 1st Credit? What response is it meant to provoke? How does it progress my PPI claim? 1C only getting £2 p.m. on £14,500 debt !

how do i get the default date from my cra file? What's a CCA request? Thanks