Hi all Just back on here after a number of years when I got very helpful advice. Short story is that back in 2006 I had lots of debt (but great credit) until personal circumstances meant that it all went sooo wrong. I had loan and 2 credit cards with TSB (i have started posting threads for these in that forum) but I also had an MBNA card taken out in or around 2001/2 I now, after all this time and reading / researching want to see if there is anything I can do to claim back (some) of the charges, PPI etc that I paid a fortune for and at the time just accepted as normal. For my MBNA I am concentrating on the PPI for now (baby steps) although there are a huge amount of late payment fees also. I have been brave enough to go into loft and get out all the paperwork I initially asked for (oh yes thanks to this site in 2006/7 I made the SAR and CCA applications) In April 2007 my MBNA account was defaulted by Arrow Global for the sum of 4,955.20. My SAR was complied with and I have statements dating from 2002 to date. Account was sold in 2007 but my CCA request was never complied with and the account (after default was registered on 13/04/07) was passed to Marlin. After a few letters stating that they would try and obtain credit agreement from Arrow I never heard anything until about 8 months ago when I was bombarded with letters and phone calls (all ignored). These stopped about 5/6 months ago and nothing again. I have full breakdown of PPI or "payment break" as they called it. I am a novice and wonder if anyone can point me in the right direction as to what (if anything) I can/should do. Thank you

Hi again:wave: just wondered if anyone had any ideas on the two payments that were received after my account with TSB was closed. Does this mean that the account was sold ? The SAR did not produce any deed of assignment, just the original loan agreement and the statements. Am I also right in thinking this account is SB and if so does that also have any effect on me being able to make a claim for PPI Thanks again

Hi thanks for the reply. I do want to re-claim ppi on all my loans and cards which include at least 4 loans over the years and two credit cards with TSB ( gold and platinum). I will start with the loan I have full details of first. I sent a SAR toTSB back in January 2008 and eventually received the paperwork which included the original loan agreement and full statements in JULY 2008 from BLS collections. Loan was taken out on 4th September 2004 over a period of 48 months. Loan amount 10,833.86. Loan Protection amount 1,758.00 APR 15.9%. Monthly payments of 300.90 Loan payments were paid on time and in full up to November 2006 when Lloyds made a massive cock up with my current account and over 2 months (Nov & Dec 2006) they paid a direct debit for my child care fees twice. The amount for the child care fees was a little over 700.00 per month and therefore over 1,400.00 was taken in each of these months which meant that when my DD for loan payments were due (within a day of child care DD) there were no funds available. TSB admitted it was their error and credited my current account with 100.00 compo and repaid interest and late fees etc. I was still having a load of trouble with them over my current account and as a result in January 2007 (my credit was still great at this point) i opened an account with another bank and had all my DD etc transferred. I kept my TSB account open to enable me to pay my loan (TSB refused to transfer this DD to my new bank and I have a letter confirming this) Between January 2007 and December 2007 i continued to transfer my loan payments to my TSB account with no problem and at this stage the payments were in full and account up to date however when I transferred my payment in January 2008 it was returned and when I contacted TSB they informed me that my account had been closed. Within days i.e 8th January 2008 I received a threatening letter from BLS collections demanding full payment of the outstanding loan in the sum of 5,656.72!!! I wrote straight back to them with SAR enclosing the required fee which was cashed on 11th February 2008 but once a month between February and June i continued to get the usual demand letter. When I eventually contacted them to ask why they had not complied with SAR they amazingly informed me that they had no record of receiving it!! As stated I eventually received the paperwork IN jULY 2008 followed within days by a letter from Sechiari Clark and Mitchell with the usual threat together with a 'generous' offer to pay off loan at a greatly reduced amount (a debt 'forgivness of 2,200.00) I sent the usual bog off letter to them and have not heard anything since. I admit I have done nothing at all about reclaiming anything because I had personal stuff to deal with so it was the last thing on my mind and at the time I was just happy nobody was harassing me for money I didnt have. I have checked over the statements and they clearly show that the payments were made in full and on time up to December 2007 when they closed the account (20th December) at this time the balance outstanding on the loan shows 5,363.57 then strangely on the same date there are 2 separate payments to the account marked "other" for 2,772.00 and 2,591.57 and then it shows a nil balance with the total paymenst received as showing 15,108.90. No idea where the last 2 payments came from or why!! I have bit the bullet and sent off the questionnaire to Lloyds for this loan and have today received the standard acknowledgment letter so we will see what comes next:| any input or advice would be greatly received

Hi all. have come back on here after a few years as I got SO MUCH hep in my time of need:smile: Story is I had account with TSB since I left school (now 45:|) Both hubby and I had accounts (in sole names) and loans/CC etc with no probs so much so we had great credit Long story short we needed a 2nd car as I was pregnant in 2004 and wanted to clear credit card and buy new car applied for loan in my name for 10K. Both of us had good jobs and covered for sick pay. Loan taken out in branch and PPI discussed. I asked if it covered maternity leave/pay as i was just pregnant at time and told NO it didn't I said that no point. Bank rep checked and told me it was condition of loan that PPI was taken out (he even got me to sign a doc that said that) Baby born and husband does one. This is 2005 and I carry on paying loan but also had credit cards x 2 10k and 5 k both with ppi on them. 2007 i am struggling as TSB automatically taking out over 700 per month to cover loan/credit cards. At this point my credit was still good changed bank and arranged for DD for loan to TSB to be taken out of new account . They refused and have letter from new bank to confirm this!! OS loan was 4k and as advised on here I made claim for O/D and late payment fees etc which TSB upheld and paid off o/s loan I have a statement from them confirming this. I have now got my life back in order and am going to put a claim in for PPI but not sure if the credit cards (no default but sold and got random letters until about 8 months ago. which never responded to) Did sar in 2008 for loans and credit cards. Should I just consider myself "debt free" or go for them.

Yes I have checked the agreement and it is deffo a fixed term. I will do as you have said and write to the director. Thank you for your help and advise and I will update when I get a reply (if any)

I don't know, I have contacted creation finance a few times. First time they wouldn't speak to me until I sent death certificate and when I did and tried to speak to them again the representative didn't have a clue what would happen he just kept saying are you ringing to arrange to return the vehicle so I gave up and wrote to them asking for a redemption figure. This was in January but have not had anything back from them apart from acknowledgement of death certificate.

Not yet, we are in the process of getting valuations done. The car was financed over 4 years in early 2011 and payments were made up to March this year. The agreement was not a HP agreemint so I was really surprise when I was told there was no PPI as my dad was 71 when he took out the loan !

Hi All first time on her so please forgive my mistakes (if any ) 2011 due to marriage breakdown I had to move asap and leaving everything behind I needed a car. Long story short I went to carcraft, had bad credit but they told me if I had a "pensioner" who owned own home it was guaranteed finance. My dad was 71 partially blind and deaf but owned his home so (after 3/4 hours) finance was sorted out. I told them that dad had no driving licence (he has never had one) and the car was for me and they said no probs got dad to sign finance etc and my details for car. When registration docs came through car was registered in DADS name!!. contacted carcraft and they said normal procedure but just get it transferred into my name!!! Anyway eventually did and I transferred the monthly payments from my account to dads account as creation refused to transfer as finance was in dads name (understandable) Sadly my dad died on Christmas eve so I contacted Creation to advise and they registered death and said they did not do PPI so was I going to return car? Informed them that dad had no Estate assets and sent copy death certificate and not heard anything from them. Dad took equity release on his house before car was bought so after debts paid there are no funds left to pay off finance. I still have car and cannot get finance to pay off loan so not sure what to do now