Exactly right Major, Dawny you dont need to send the questionaire back as you have laid out your complaint out in your orriginal letter so your choice if you wish to reply. However in my opinion I think it is better to reply as it shows your co-operation and stops any delays, I would follow Majors guidence though and also check out my thread on how I laid out my reply. Let me know what you decide and ask for help if your struggling with this.

Hey Bebo, unfortunatly not. they do have a right to deduct the arrears on account before any refunds are made and this is in line with the FSA, FOS and also any judge if it went to court would allow. Personnally i agree with you they should not be able to do this as two seperate issues and its your choice how you use the monies that were unlawfully taken in the first place but we will lose any discussion on this.

In my opinion I would go directly to the ppi customer concerns team . and I would drop 8 weeks to 28 days.

I would say you dont have to pay monthly installments to a DCA in the first place but thisi s another issue you really should start a thread on lol. to answer your question the misselling of PPI does not invalidate your cfrdit agreement and is a seperate issue to any other issues or disputes you may have.

very usefull info. cheers.

John, your claim is in the bag m8. . . the limitations act 1980 does not apply untill you become aware it was missold due to section 32C (but you allready knew that haha) . get ya claim in. .

My dad has in the last year made 2 PPI claims against his policy with cap1 credit card due to first being made redundant from his work and then a second due to being on the sick. Both were refused as he was not covered for this. He now asked me to make claim for him as he now feels it was missold having made 2 claims and none have been accepted. He took the card out in 2002. I dont have much experience with credit cards so wanted advise on how to proceed. I have sent initial letter and they have responded saying that in 2002 there was no intervention from them regarding the selling and my dad completed application form on his own and ticked the relevent box. I need to do him a reply in the next week and need some help from my fellow CAGERS. any advise ?

As previously advised Princess, read around and you do not have to fill in this questionaire due to the fact that you have entered all the claim in your initial letter and your working to your schedule and not theirs. However if you do not send it back it will delay your claim all beit the result will still be in your favour. This is the one I used and have also passed onto 3 other ppl and all have won inc myself to the sum of 5000, however you need to decide yourself and edit it as I do not know the particulars of your claim. ..

lol Ed, I have just had a quick read of this as online time limited. What a bunch of muppets.. . . what do you want to do with this claim now, your choice ?

give them another week to reply and then we will send another letter of reminder.. dont panic at this stage . . its all going to plan . . as DX said please stick to one thread or trying to advise you becomes confusing and you could end up with no help.

This title should be changed to WON.

Just read this Johnny, well done . . this is a great result. ... i remember you first posting and me doing the letter, it was unbelievable they even tried to ask for more money for you . . the cheek of them lol.

Thanks Beyond if anyone can add anythin to it before Ed posts it off please jump in, I kinda just typed it out quickly as not much time. sorry to you all for not being around last few days, I gots loads going on but things should calm down over the next few days and I can get my time on here up again.

Go get em gurl

Hey Deli, lets help Post out here a lil with the figures. Your loan is for 17.000 over 180 months with an APR of 19.21. You have no insurances, but an acceptance fee of £235 . The total you will pay back on this loan is £48,621.87 The interest your paying is £31,621.87 with a monthly payment of 270.12. But we now need to add the acceptance fee to the £48,621.87 so new total is 48,856.87 divide by 180 months giving a monthly payment of 271.43 . Welcome have failed to add your acceptance fee.

When you say you asked for your agreement how did you do this ? was it on phone or did you send letter, if so was it an official CCA request with one pound fee.

Welcome financial services Compliance Department Ruddington fields business park Ruddington Nottingham NG11 6NZ 25/03/2010 You’re Ref: COMP12345 LETTER BEFORE ACTION ACCOUNT NUMBER 123456. Re: Complaint and request for return of Payment Protection Insurance premium and contractual interest. On the xxxxxx I sent you a response to your letter dated 01/02/2010 and requested that you reply to me within 14 days. This timescale has now expired and I am dissapointed that you have made no effort to reply towards a resolution. Should you claim the letter sent on the xxxxxx was not received I have proof of postage via royal mail track and trace but for your referance a copy of the letter is enclosed. As clearly previously explained I requested my refund not to be intergrated into my loan but be sent via cheque as I have been financially worse off due to your admitted actions laid out in the claim you accepted. To add to this you have made no offer of the life insurance. I expect to be in the financial position I would of been in if I had not been sold the insurances due to the fact that my monthly premiums have been higher which has lowered my financial position up to the time of this claim. If I do not receive a positive response of you in 14 days I shall issue proceedings in the County Court and without any further notice to you. Yours Faithfully, Ed

Yuppers clock is ticking. let me know after tomorrows post.

It is is response to your question the answer being no. However the subject access request is a request via data protection act 1998 asking for all the information a company holds on you. This meens that for the purposes of complying to this request all your information for both accounts will be together and intergrated. However any collections or defaults cannot be sent jointly for both accounts.

No No No. . . dont speak to them on the phone. let them put this kinda stuff in writing and we can hang them.

Any updates Dawny or is all quiet on the welcome front

here

Beyond, if you want more in depth info on this particular subject. post this question in the legalities section. you will get more response their than here on this one issue. tell them I sent ya hahaha.

That is why they head them without predjudice so they cant be used against them, although if you claim fraud or deception which is a serious allegation it can be used in court but that goes over my head lol.

Hiya Beyond, hope all is well with you and ya family. . Question one is correct, cannot be used or produced in court without both parties consent. (even then judge will probably dismiss) Question 2 will take a little bit of homework lol.