Thanks dx100 - but did try the links and also in library - same problem - doesn't recognise file extension - comes up as 'attachment.php' not xls spreadsheet??

I have received response from Capital One upholding a PPI complaint. However, although the figures are fairly small (they suggest PPI Premiums paid were £157), the amount of compensation offered does not (in my opinion) take into account the age of the 'issue' (account closed 18 years ago!). Am I correct in suggesting that statutory interest compensation should be applied at a rate of 8% per annum (simple - not compound)? Tried the calculators in CAG library but links don't seem to work! Had similar concern with a couple of Barclaycard complaints - upheld and compensation offered but with paltry interest calculations. Did complain to BC but they stated that was their standard approach - and tough! Does anyone have any knowledge as to what final settlement figures should be based upon? Any help much appreciated! Apologies - this posted in wrong Forum by mistake (should have been PPI) but cant move?

Unfortunately - on the York Bank CCJ - I've found a substantial payment 4 years before the CCJ - so SB'd not poss

Perfect - thanks dx100uk!

May I ask question regards SAR's please? Have tried to find info elsewhere on forum but struggling..... If I issue a SAR on a bank (Santander for instance), do I need to specify every address I may have had over last 10 years or so - as interested in info contained against old Abbey National account etc. Also old store cards (Currys) that would have been 10-15 years ago? Does an SAR have any time limitation (last 6 years) for history - and is it associated with me by NAME & DOB rather than specific addresses? Hope this makes sense!! The reason I'm concerned about address is that having spoken to Santander looking for info - they asked me for the address for account - I said "Flat 1, XXXX House" and they failed me on security because the address info they had on file was "1, XXXX House" - which is piggin' ridiculous!! Equally, I may not be able to remember every 'exact' address and postcode I've had over last 15 years?? (Unfortunately there's been a few!)

Many thanks all, much appreciated! Would be rather nice to claim PPI and offset against debt - will let you know if it works!!

Just to cover one of my earlier concerns - is it feasible/likely that 'Robbers Way' (upon me making contact with them - saving them the effort of looking me up on E.Roll!) that they would say after 10 years it's time to re-assess what you're paying and up the ante? Possibly even getting a charging order on my property - which I believe they couldn't back in 2007 but the law has now changed allowing them to do so? Or am I misinformed? Just worried it may be better to let sleeping dogs lie and keep fingers crossed its too much effort for them to try contact me?

Will do - many thanks!

Thanks for your reply dx100... It was Judgement (acceptance) with a payment plan of £20 per month - which is what I think I offered when returning court docs - in the hope that if creditor accepted payment plan - they might not enforce CCJ - stupid me!

Hi Forum! Am hoping someone may be able to offer some advice. Following period of very difficult times late 90's/early 00's - I negotiated (and, over many years, completed) payment arrangements with most of my creditors to clear substantial accumulated debts over £40k - fortunately avoiding bankruptcy/IVA's etc. However, whilst moving house in 2007, I got issued with a CCJ - and slightly unsure who the creditor was!! Sounds stupid, I know - sorry! I have a sneaky feeling it was Yorkshire Bank - who had given up chasing me to clear £10k card debt. The CCj suggested that the 'particulars of the agreement and debt had previously been provided to me' - which they hadn't. In the turmoil of house move - I foolishly just accepted the debt and returned the court forms offering to pay £20 per month etc which was accepted and CCJ issued. Claimant : CL Finance Ltd. (not aware of them and had no previous dealings - but assumed they assigned the debt from someone!) Pay to: Howard Cohen & Co. No 'account numbers or references' I could recognise. The years have passed and I have religiously paid the £20 per month for the last 10 years. (Mug I hear you say!) I have never received any statement or progress report - amount outstanding etc etc. I have moved a couple of times in last 12 years - but always on Electoral Roll/Experian etc - so definitely traceable? However, I have recently become curious as to what the debt was - and why my DD changed few years ago to 'Lewis Group' but now shows me paying 'Robinson Way'? I am reluctant to write to Robinson Way and ask what this debt is - and to whom (!) - or was the CCJ obtained correctly - was there PPI on the account (blimey - that would be a result!) as they could re-assess my circumstances and try to increase payments substantially - or my greatest fear - get a charge order against my home - or screw my credit rating (which is now clear and very good) But equally - should I carry on paying £20 for the rest of my life (and beyond) and not know who the heck to - or what for! Thoughts/advice appreciated? Best, Phil