Thanks for your comments. to confirm it is a student loan dating from 1993. it is with Erudio and Restons solicitors. As my daughter and son-in-law live 100 mile away so I don't have the paper work to post here. My daughter has been able to speak to a solicitor were she works, and she is giving them some advice. I will post more tomorrow evening as I am out this evening.

Please help. My son-in-law has just received a CCJ from Northampton Court ordering him to pay £145 per month. The first he knew of this coming was when he received the N1 from the court couple of weeks ago. He didn't even know the loan had been sold off. He sent a letter requesting deferral but then received a judgement in default because they did not receive his letter (it turns out he sent it to Erudio in stead of Rentons solicitors). He is concerned that if he does not pay the £145 by the 10 Nov. they will send in the bailiffs. They are also concerned that he now has a CCJ against him and are looking for a new home to rent.

I am at LBA stage with this lot over an item that was returned to them and they claim not to have recieved, in spite of crediting the second item sent in the same package. I am also claiming a refund of all PPL payments as this was at best, mis sold. I see on the bottom of their letter head is reads "Authorised and regulated by the Finnancial services Authority in respect of Insurance Mediation activities only". Can anyone explain exactly what this means, are they no longer authorised to sell insurance?

My daughter has just found that she has been credited with £38.00, however she already been credited £19.50 by the lending centre and explained in her letter to Borehamwood that she was seeking the remaining £18.50. She is worried that if they realise she has been overpaid, they may think she is being dishonest. I doubt they would ever notice and she should look on it as compensation. Should she return the £19.50 to that nice Stuart Hickley explaining his error, or just accept it.

My daughter has just received the follow reply:- We explain all of our teams & contitions including our fees and charge etc. etc blah blah blah However, having reviewed your case and as a gesture of goodwill and without admission of liability or error, in this instance we are prepared to offer the amount of £38.00 paid direct to your account. To accept this offer in full and final settlement of your complaint please let me know by completing the attached form and returning it to us in the reply paid envelope proided. If you would like to discuss this offer please contact the number quoted above. Any charges that properly accrue in the future will be applied to your account in line with our published tariff and in accordance with your agreement with the bank. Should you be unwilling to accept any such charges, then we may need to consider if we are prepared to continue to provide you with your existing banking facilities. Instead we may offer you a simple account that does not offer borrowing facilities or other services that can result in charges. I trust that is will resolve your complaint................. I am inclind to suggest that she writes accepting the payment, but state that she cannot accept the further aplication of unlawfull charges as neither she nor anyone else can sign away their lawfull rights Any comments please

Sorry Nattie, I got 399

Will all be revealed now?, I can't wait

Well Played Paul. You've had me on the edge of my seat for weeks and I'm looking forward to reading the detail. I can't help wondering what the judge would make of the whole thing. Well done and enjoy. Steve

Last week 10 companies were fined for misselling ppi. I have just recieved back all ppl charges from one card company and intend to claim them from Nat West, on the basis that I did not ask for it, and they did not check my suitabilty for this cover which they must do. I believe they are, therefore, guilty of misselling

It would be useful to know if they are paying up quickly when people are not claiming any or all the interest.

You might want to edit out your account number and sort code out of your post:rolleyes:

I have 8 statements missing from GE. Mine are Sept 02, Sept 03, Nov 03, Jan - Jun 04. These seem to be outside the dates that they given to the Commisioner!

Hi Kerry Thats the address I've used, and we got full settlement yesterday but only after I had filled out the N1, and would have filled it in the court yesterday morning, but had forgetten to get my wife to sign to form.

This has got me on the edge of seat. Has there been disclosure from Nat West yet, or this is going to 10 Feb, and back court:o

Thanks again Michael, Donation will follow when the cheque arrives