well quick update, adams have agreed to cough up the difference from previous letter so now had additonal £84.00 credited to my account, but still not head anything from pilot!!, so MUST chase up after hoilday!!!!

no they have not yet sent them i suppose it is worth re asking for them just to find out if i am owed more than they are paying , but i never sent the ten pounds, hence why i am reasonably happy they have paid out !

well still waiting for refund FOS reply went astray but now found, "SAM" from FOS phoned friday going to sort everything out so heres waiting!!!

well i did not resend S.A.R - (Subject Access Request) just never got round to it , but hey success they have to written to me saying they have credited my account with £60.00 and sending me a cheque for £40.00 all this from a SAR with no fee so i am not complaining i do not know how much i am owed but it is probably around ???? but £100 better off without the hassle!! i have check my account and yes there is a credit for £60.00 just waiting the cheque!!

i gave them 14 days but it has now been 1 month

hi hope you can help, sent a CCA request 23/04/07 with no response not sure of next stage, i know that they are in default and have commited a criminal offence as it has now been 1 month since orginial request do i go to FOS with my complaint or to court? advice please

well sent CCA request 23/04/07 but i have not heard a thing, not sure where to go next any help would be grateful

the adverse data this is what the credit agencies hold to which the banks notify them of missed payments etc 1,2 3 ....8 then default. A & L stated i had missed payments re overdraft yet i hadn't it was caused by charges etc hope this helps

well more success, just heard back from FOS he has awarded me £200 compensation from Alliance & Leicester and he ask them to amend/correct my credit file and remove the adverse data, they have agreed to do this!! so it is worth wait and pursuing good luck to all

update 1- Adams - paid up the difference between schedule of charges amount and their "fair charge" of £12.00 i have accepted put will chase the rest 2- Pilot - still not heard anything since LBA 3- Pilot2 -still not heard anything re CCA request will chase up this week!! why to some companies do this?? drag things out and increase cost??? have a good weekend you'all Vicmar

right,phoned court today no defence filed!! got home and on my mat, a letter from HBOS with a Cheque for £60!! (this covers courts cost and compensation!) i sent with the court bundle a pre lim letter for charges around £60, but still not recived missing statements!!!!! so they have asked for a letter comfirming i have contacted court re costs paid, i will request again missing statements and enclose schedule of charges and lets see what happens!!

i sent to the address in bradford which was Studio , Burley House, Bradford Rd, Burley-in-Wharfedale,Ilkley, West Yorkshire LS29 7DZ ,they forwarded my details to preston , but stick to this address and you will get some response. good luck

well i heard from court on tuesday the filed a defence on 2nd of may , so i an going to write to the court giving copies of correspondance and copies to HBOS solicitors they now have further 10 days (initally served on 21/04/07) so heres waiting again!!! also feeling a little loney has any one else been in this situation regard having to take to court just go get statements?

well heard back from FOS i have been allocated a case worker and they will contact me in due course so i will see what happens???:-|

Pilot:-well had the usual reply thanks but we are right etc , so posted LBA this week Adams:- resolved missing payment , sent of PreLim this week so again i will wait and see. PPI :- still awaiting any response to CCA request it all go go go!!!

Well judgement falls on bank holiday monday not heard a dickie bird from HBOS re N1 claim so heres waiting for tuesday!! Heard from ICO my complaint has been forwarded in a batch at the end of April so i will see if anything happens!!!

well phoned court today to check on N1 claim v HBOS was filed at court and issued 21st April so heres waiting!!! ps also filed with ICO as well but yet to here anything from them!

well thanks to "itsme" i have been able to answer and act upon the PPI request sending a letter re CCA today so hopefully will find out more details, also adams have failed to meet my SAR request deadline was today sending LBA giving 7 more days!! also they have resolved the missing payment they sent it back with no response!! i had to ring MY bank to found out, so heres waiting!!

thanks, i have had a good look today in my records etc but could not find it , so i will adapt your letter and post it this week thanks again vicmar

thanks Maria, no the account is closed it was a Pilot store card, i have my statements via a SAR if i am asking for CCA is there a template ? how may days are they allowed etc thanks i will be looking at yoour thread for further advice Vicmar

bump can any one advise the best way forward am i best just writing and asking if so is there a template?? or do i ask for my CCA if so again is there a template?? many thanks

success Studio have refunded my charges and credited my account cleaaring the majority of the outstanding balance so just paid off the difference so account now cleared!!

just got all my statements under sar for an old account, can't remember asking for PPI just added up the ammount £50++ how is the best way to reclaim advice please Vicmar

sending of prelim letter this week not much but every little helps!!!

bump any help with PPI question ?????