Hi, I've just finished run ins with Lowell and Cabot. both have admitted no documentation is available from them or the original lenders. Both have closed the account and ferred back to original lender. Question: Is it best to attack DCA or straight to Experian to remove Default notices ? thank you

sorry. there is already a wealth of threaded information on this subject. I'll take the time to read through .... lol

Sorry, there is a wealth of information on this matter already threaded. I will take the time to read ! lol

Hi, I've had two very satisfying letters, Lowell and Cabot. Both have said they cannot supply signed credit agreements and have now referred back to original lenders and they will no longer be dealing with the account. I'm quite confident I won't be hearing anyone again, as the alleged debts are already over 4 years old. My question is: My poor old credit file ( Experian ), details Lowell and Cabot. Surely I have a case for asking for entries to be removed ? If so, is it Experian or Lowell and Cabot I approach ? Ta very much.

Hi, I've had two very satisfying letters, Lowell and Cabot. Both have said they cannot supply signed credit agreements and have now referred back to original lenders and they will no longer be dealing with the account. I'm quite confident I won't be hearing anyone again, as the alleged debts are already over 4 years old. My question is: My poor old credit file ( Experian ), details Lowell and Cabot. Surely I have a case for asking for entries to be removed ? If so, is it Experian or Lowell and Cabot I approach ? Ta very much.

Well here we are in June ..... and still nothing ! I've complained to Information Commissioner Office via their e:mail form, but nothing from them either. I've got 5 more payments left, can I stop paying and demand action ?

Well I always knew this was going to be a long road ... But hey, they've riled me now ! Thank you all for your comments. I will send letter suggested by HHNF. I can confirm they cashed cheque on 28th February. I must admit it is nice ( and a bit of a change !) to be on the front foot. I will chase them as hard as they would chase me for one missed payment ! I will keep you posted, and good luck Tricky in your ensuing battle !

Thank you. Sorry for delay but I've had problems posting any replies. I sent non-compliance letter, which was received and immediately I received phone call from Welcome. First denying the original letter arrived, then saying the person who signed for it has left the company, then saying they didn't no what an S.A.R. was and had never dealt with one before ! I faxed through the original to them yesterday. What now guys ? Claimimg PPI back seems a long way of .....

Hi, As part 1 of claiming PPI back from Welcome, I'm stuck at first fence. They are 5 days overdue on SAR request. Loan is still live and I have no arrears, any suggestions please ..... ta

Hi had a letter from Scotcall chasing for same debt, with another £500 lumped in for good measure ! Robinson Way returned my £1 and told me they were returning account to Cabot. Do I start again with CCA sent to Scotcall ?

I hear you all loud and clear ! I'm with you guys, and I WILL get my money back. I need just one more boost .... I've been charged a staggering £1600 PPI, and the only reason I took it because I was told it help my application as my credit rating was so poor. More than enough justification for claimimg it back. But surely it comes down to my word against theirs ?

Hi all, Any thoughts on a company called Conkers, acting on my behalf to get PPI back from Welcome. The more I read through some threads, the more I lose confidence in doing it myself. Ta

Hi all, A quick bit of advice needed. After winning against NatWest end of 2006, I didn't use my account much. When I finally did, I managed to go over my limit by 22p ....and wallop ! £28 charge. I've phoned to get charge waived but initial bod I talked to "is not authorised" to return any funds to my account. I've been given Customer Relations Manager address to write to. Any advice for wording please ? Thank you.

An update - Received letter from RWC after non response from CCA request. They say account has now been returned to Cabot and will now longer be managed by RWC. What do you think Cabot will do ?

Thanks for responses, most helpful. A point of interest I'm sure has been discussed before though. RWC in their phone conversations have referred to a £1 receipt in respect of the debt given to a field agent at my door ! This is a complete lie, trying to get me to acknowledge the debt. The £1 is of course the cheque I sent for the CCA request I sent in July but they never sent any information. Is this something I could pursue ? Ta Spacehopper

I sent RWC my CCA request on 9th July, and relaxed when the 12 day deadline passed. Slipped into a coma when month one, two, three etc. passed. I suppose the relief gave a false (?) sense of security. Now they have found my home phone number, and have started getting daily phone calls. I haven't acknowledged the debt. I have calmly repeated my request for a copy of the original signed credit agreement and finished the phone call. The next call which should be tomorrow evening, I will state that all future delings with me must be in writing, see how that goes. Tonights Agent said it should be me that talks to who they bought the debt from to get signed credit agreement ! I know this is wrong. Basically, what should I do now ? Have I missed a crucial letter that could halt them completely, bearing in mind that no proof of debt will be forthcoming from them Thanks for reading people.

Hi Hellhasnofury, as always a comprehensive response. But ... just to recap, this account defaulted in 2005 (january) with £778 owing which they have subsequently written off due to me ignoring all letters. This claim will be retrospective ... Ta for your anticipated input.. Spacehopper

So this is where it starts getting interesting ! Letter received back from A&L. Enclosed was all personal data, but that's it, and quote: "Unfortunately due to the age of the account we are unable to supply you with a copy of the agreements. The default notice was issued on the 11th January 2005, we do not keep copies of these." I'm hoping this puts me in a stronger position for my claim ? On the loan statement the supplied (which is correct) Insurance is £920.95 and interest is £290.45. The default amount was £778.92, so I'm looking to claim the difference of £432.48. Just to confirm, the spread sheet entries I'll use are each pro rata insurance payment I made up until I defaulted plus the 8% ?

Hi, Day 15 since CCA was signed for. I want to strike while the iron is hot. Or do I wait till 30 days and complain to FSA ? TA Spacehopper

Superb, can't thank you enough. Sent today ! Cheers Space

Why thank you, I'm grateful for your support ! Just to be sure, the templates I'll use are: 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully Mr A N Other & [your address] [their address] [DATE] Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature] [name] Obviously I will tailor to my specifics. Ta,

Hi All. I have some claims at varying stages, but now seems the perfect time to resurrect this diamond. Signed up for Personal Loan with Alliance and Leicester in June 1999. I wasn't given the choice, had to take Personal Loan Protection ( I'm assuming to all intent PPI?). I defaulted in 2004, and successfully (I'm not proud) ignored all letters and threats until they ran out of steam and last contacted by letter (Debt Collection Agency) June 2006. I had £728 left to run on the loan (default amount) and had been charged £920.95 + £290.45 interest. Now my gut instinct is to pursue Alliance & Leicester to just call it quits, and remove the default from my credit file. Should I CCA them in that case first ? Alternatively, should I go for the whole amount I had actually paid in mis-sold payment protection? What do you think guys ? Cheers Space

Excellent, gathering all info now. In the mean time, is there anyone out there can explain APR easily? This is not such a stoopid question. Here are the figures from original agreement specifically dealing with PPI and sundries. Payment Protection Insurance £1686.48 Mechanical Breakdown Insurance £650.00 Emergency Recovery £330.00 Shortfall Insurance £195.00 Total Cash Price and Amount of Credit £2861.49 (I don't no where the extra 1p came from !!):? Finance Charge £1716.75 Total Amount Payable £4578.24 APR 28.4 % 48 Payments at £95.38 Now, I've tried and tried and couldn't blow this APR house down ! Does it look sound ? Space

Hi everybody, I've taken a fair bit of time to read through alot of threads re: PPI and specifcally Welcome. It's time for me to ask for help, and then hopefully help where I can when I learn. My story: I turned up at Welcome with my part exchange car (£1000 guaranteed don't you know ? lol). A better description is I was towed there. they must have looked out of the window with glee ! Having travelled nearly 100 miles to get there, it was like shooting fish in a barrel. So to get my £5200 car (already inflated price) + finance charge + acceptance fee + 30.6% APR Final loan amount £8570. Salesguy disappears upstairs to "talk to the under writers", came back "not looking good". I admit I had/have a shocking credit rating due to hardship/redundancy, I won't give the full boo hoo story. It wasn't until I agreed to PPI, Mechanical Breakdown, Emergency Recovery and Shortfall Insurance that finally the loan was accepted. I now realise was a complete numpty I was. Total price of car would be £13149 and I thanked the salesman ! Since then I have been the model Welcome customer, never missing a £273 per month payment. NO MORE. 33 months into the 48 payments and I want at least my £1686 PPI back plus interest. Step one: Do I need to SAR Welcome ? There are no other charges on the account and I have all the original T&C, and paperwork. Or can I go straight to letter requesting PPI and interest back due to mis-selling ? Looking forward to hearing from from some of you guys I feel I know already from some excellent threads. Craig

Thank you everyone, excellent advice and well received. I can confirm there is no CCJ for this. Today I have sent Robinson Way (Salford Head Office) the CCA request with the £1 cheque via recorded courier. The local collector received a copy of the letter, along with the advised "this debt is in dispute" speech. He left slightly bemused that all his well practised "how much can you afford to pay tonight?" routine fell on deaf ears. I'll keep you posted. Thanks again, your advice has let a chink of light through an awfully big dark cloud that has followed me for years.