Hi, its our friends Marlin and loan wasnt secured.

Hi, thanks for quick response, sorry my post was a little vague.. i fell into financial trouble 2009 and made reduced payments to northern rock until 2011 when they off loaded me onto a DCA. I havent aknowledge debt with them, which is why they issued court proceedings. now this action has been withdrawn, if they do manage to locate my signed credit agreement will they be able to start fresh court proceedings againts me for same debt ? cheers

Hi, A little advice pls.. brief outline of my case, received notification from mortimer clarke solicitors concerning an alleged debt from a pre 2006 loan with northern rock.. . fired off a CCA request and didnt receive a reply until court proceedings arrived some 4 weeks later.. . sent failure to respond to CCA letter and filed defence stating that account was in dispute. .. have just received apology from mortimer clarke and a notice of discontinuation.. my question is will any future court claim be unlikely or will it make no difference to any further claim ?

would welcome some advice pls.. sent my ppi complaint to Lloyds mid june, shortly after i received a letter of acknowledgement.But sixteen weeks has now passed with no further responce.Any advice on my next move would be gratefully received

Hi, you can always try and ring RBS loan department and ask for details of any loans you've taken out, i tried this with lloyds-tsb after waiting 3 months for a responce to my SAR request, it took 10minutes of my time and they were able to give me the full details of 5 loans id taken out since 2000,the loan account numbers when and for how long loans ran and the monthly cost of PPI on each loan. this is a copy of letter iv sent to Lloyds requesting repayment of PPI. Account No XXXXXXXXXX Sort code XXXXXX Lloyds TSB, Tredegar Park, Newport, NP10 8SB Dear Sir / Madam OFFICIAL COMPLAINT Re: Request for return of Payment Protection Insurance premium and contractual interest. Payment Protection Insurance (PPI) policies for 5 unsecured personal loans. Loan Account No XXXX total PPI payed £xxxx Loan Account No XXXX total PPI payed £xxxx Loan Account No xxxx total PPI payed £xxxx Loan Account No xxxx total PPI payed £xxxx Loan Account No xxxx total PPI payed £xxxx I believe I have been mis-sold a payment protection insurance polices and would like to request a full refund of my premiums, plus interest paid. I took out a total of five unsecured personal loans over several years most of which i was either unaware PPI had been added or the salesperson who sold me the policy did not disclose all of the facts relevant to the PPI. Having recently looked at the paperwork for my loans I now realise that I have been paying for insurance (and the interest on that insurance). I believe i am entitled to a refund of the payments made as no claim was made on the polices. I am requesting a full refund of all my insurance payments that I have paid to date. I was not advised that I could obtain insurance elsewhere to cover myself for this new commitment to your bank or shown any comparisons for other products in the industry – which may have been more competitive or better suited than your own. This latter concern has now been the subject of an enquiry by the Competition Commissioners Office who were especially critical of PPI It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest from the outset. I believe you should have disclosed to me that the single premium policy, did not give a pro-rata refund in event of early settlement. I was not told that there were other options than a single premium policy, i.e. that I could take a “pay monthly one”. No attempt was made to ascertain if the product provided was fit for purpose, suitable for my needs or if indeed at all. No inquiry was made as whether I had pre-existing insurance for accident, illness or unemployment. I was not given full information on what the policy would and would not cover, I was not given a copy of the insurance policy nor were any rights to cancel explained. I believe you manifestly failed in your fiduciary responsibilities, and your duty of care. With reference to recent OFT and FSA investigations regarding the mis-selling of PPI by finance companies, I now believe that I was gravely misled when you mis-sold me this expensive insurance policy, which I did not want and did not need and for the reasons given above, totally unsuitable. I believe you should have made it clear to me that the policy generated large profits for you. You failed to do this. I believe that you have also therefore failed in your duty of disclosure. Your failure to disclose is misrepresentation at common law. Your concealment of the act of mis-selling has prevented me from asserting my right until now. I believe that there are strong grounds for action against you under common law, statute and consumer regulations. If this were to proceed to litigation, Statutory 8% interest (S69 of the county court Act) allowed by the Courts would also be payable. I am writing to ask you to refund the premium paid together with interest equal to your APR at the time under the accepted principle of mutuality and reciprocity. I would also like to claim statutory compensation in view of the fact that I have been deprived of the cash over that period. Please now investigate my complaint within the eight weeks allowed to you. If I do not receive a favourable response from you I will consider pursuing this claim through the Financial Ombudsman. May I bring to your attention that fos rules which are backed by the Consumer Credit Act 2006 require a business to acknowledge in writing a complaint by the end of the next working day. Yours faithfully, XXXXXXXXXXXXXXX

hi, researched into a loan id taken out in 2001 and discovered £1100.00 was paid for PPI, is it still possible to reclaim or is there a time limit ? many thx

hi, Just wondering what LLoyds - TSB address to post off my S.A.R to. thanks in advance.

hi i crossed out the section that required me to agree to pay fees for going over approved overdraft limit having said that the offer settlement stated "private and confidential" so im not sure that even if you agree to all the terms and conditions of settlement that they can use this to stop you from claiming again as i dont think they could produce it as evidence in a court of law,maybe MOD can answers this. as to refund of fees i received the refund of £120 for online claim and £100 for the AQ court fee £220 in total. cheerws bloo:D

hi nina the exact same thing happened to me on monday just as i was about to post off AQ SCM sent me the settlement offer which included court costs and interest total approx £1800 maybe this is a change in tactics?. still waiting for money to arrive in account though bloo

hi it was due to be heard at uxbridge but as iv said never got to send my AQ or even get a court date. i know im very lucky some ppl have a terrible time of it.

hi received offer of full settlement today from SCM £1617.15 +£220.00 court fees £1837.15 in total yeehaaw and i havent even posted off my AQ to court yet HOOWZAT!!! the usual conditions are attached, will cross out section concerning "keeping account within agreed limits" and sign on dotted line.Thank you all for the sound advice and support will make donation once monies arrived. CHEERS BLOOOOOOOO:)

Hi make duplicate copies of all letters sent for your own records and also pay the extra few pence and get them signed for. bloo

hi welcome on board PP and good luck we are all at different stages of the same process so dont hesitate to ask for advice. all for one and one for all bloo x

hi all im in the process of reclaiming against Lloyds and also helping out a friend whos with the woolwich,having trouble tracking down the woolwich address for sending S.A.R - (Subject Access Request) letter can anyone pls help cheers bloo:)

you will need to peronalize this with your own details. I have a contract with Lloyds TSB Bank PLC, conducted on their standard terms and conditions. I am claiming return of money taken by the defendant in the way of charges over the last 5 years, totaling £1415. The charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. I claim interest under section 69 of the county court act 1984 at the rate of 8% a year from (09/04/2002) to (10/12/2006) of £202.15 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%. I therefore claim a total of £1617.15