Hi, I've spent all evening going through my Capital One statements and filling out spreadsheets calculating my PPI claim that I intend to start against Capital One. I've also read through dozens of other threads trying to understand the process, but still have a couple of questions. 1) Is there a template letter to send to credit card institutions? The only ones I have found are from a link to the consumer wiki but they all relate to loans from the look of them. Or do I just send the PPI Consumer Questionnaire from FOS directly to Capital One? 2) Do I include a copy of my spreadsheet when I send it to them? I will post up my spreadsheets tomorrow once I have double checked the figures. TIA Mysterious

Great, I'll do that and come back when I have the details. Thanks

Hi Andy, I have been back to the Trust Online web site and performed a search, paid the £4.00. It hasn't really given me any further information. It just shows my name, address, DOB, court, case #, date, amount and status. The status is "unsatisifed judgement", it doesn't tell me who the creditor is. Can I email the CCBC and obtain more information that way or will I need to phone them tomorrow?

Hi, Last month I opened a Clear Score account to check up on my credit score and see how I was doing. Today was my update day, I logged in to find that I have a CCJ against me which was issued on the 16th of March 16. The web site doesn't give much information, case reference, address, amount and which court issued it: County Court Business Centre The problem is that the address they have used is over a year out of date so I have received no paperwork. I moved out of that address in February 15 and into my fathers address to help him look after my step mother who is seriously ill with MS and bed bound. Just last week I moved out of that address into my girlfriends, who is heavily pregnant and due any day. I am really worried that the bailiffs may turn up and I am not certain what debt it relates to or how to deal with it. I have dug through all my old paperwork I have two debts which are not being paid as I believe them to be statute barred. One is with Barclaycard and the other is with MBNA. The MBNA one is the closest matching, it is roughly £200 difference from the balance that I owe them. The Barclaycard is over £1000 difference. If it is MBNA, the earliest letter I still have from them is dated July 2011, stating that "Following previous correspondence, which confirmed the termination of your MBNA credit agreement".... we will be sending it to a DCA. I have various letters from DCA and then a notice of assignment to Arrow Global Guernsey Limited. I don't have the statements or the letter for when I defaulted but I am sure that it was in early 2010 as that is when I got divorced and had serious financial issues. 1) Is it worth me signing up for Credit Expert to see if the MBNA account appears on file (there is no record of it in Clear Score). And or to obtain more information about the CCJ? 2) Is there any other way to obtain information about the CCJ, the only place I have found is Trust Online and it's behind a pay wall so I'm not sure if it will tell me who submitted the claim. 3) Any suggestions on what I should do next? Many thanks for any advice.