Skruf
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Hello I'm looking for some advice on a negative mark against my credit file by a utility company. My partner was paying a utility bill in totally their name, they moved out, cancelled and gave my name to the Utility company. I did not know straight away and missed a payment or 2. I did not sign any contract or credit agreement with the utility company, I was under the impression any company had to have a signed credit agreement before they could edit your credit file. is this correct? or are they allowed to do this. I am about to ring up and clear this debt, but just wondered if I had justification to get the negatives off my credit file. Advice appreciated. Thanks
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Thanks for the speedy reply, I will write to them tomorrow for a break down. If I can't find the agreements I will send the SAR off. Also read the links in your sig. But is there a time limit for my response? if I have to wait 40 days for SARS etc. Also is it the norm for them to send a low offer first. I'm not being greedy, if its in the right ball park I'll just accept. Cheersl
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Thanks Unfortunately no, this was all initiated by RBS, they wrote to me and explained I had PPI on the loans, I didn't even know I'd signed up for it, so had pretty much ignored the whole PPI thing until then and never bothered digging out the forms. There's a chance I could find the forms from 2007 but doubt I'd still have the 2005 one. Until you asked I presumed they wouldn't be important. Are the forms important to move forward?, will they say much more than how much the loan is and confirm it had PPI. is there a big difference between PPI percentages? Cheers
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Hello, First, post sorry if I break and rules, I have read through other posts but not got a clear understanding of my issue. Any help greatly appreciated. I have taken 2 loans with RBS £25000 2005 £25000 2007 I decided to apply for PPI personally rather than through a company. Although it was a hard decision because I'm rubbish at this sort of thing The second loan paid off the first loan midway through 5 year term so not a total figure. There is currently approx 4K left on the loan. No arrears or anything like that all in good order. RBS have accepted my PPI claim and offered me £862. Is this in the right ball park? how do they come to that figure. I put the numbers into some ppi calculators and the result was several thousands. Should I accept the good will offer or am I owed more? Cheers
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