hi, i have requested the document proof from my creditors they have not provided no documents it is over 14 days, what shall i do? also where do i stand in terms of paying the debt or managing the payments. can i oppose that and get out of not paying. pls advice

Hi All, I recently discussed the purchase of a new car with a dealer and test drove on Sat 25th. On Sun 26th I obtained the best quote from the dealer via telephone and gave £200 to put my name against a vehicle and was told finance docs and quote confirmation be emailed to me that evening. I will note at this point that I was not told that my deposit is/is not refundable and was not given any t&c's or information in regard to my cancellation rights. An email came through that day only containing a scan of some number plate choices and a £200 til receipt (non-itemised). I emailed the dealer a few times in the week requesting the finance documents and on Thurs 30th I received a copy of the forms. At this point my circumstances had changed due to an offer of new employment and I was in a position where I may no longer require the vehicle. I advised another salesman at the dealer of this on Sun 2nd, having arranged an interview for Mon 3rd. I emailed the salesman and discussed on the telephone with him on the 3rd that I may no longer require the vehicle and requested that he put a hold on everything, only to find that he has already taxed and financed the vehicle in my name. I will make it clear again that I have not yet signed any documents to confirm the purchase or the finance. I now no longer require the vehicle having been offered another job closer to home. From what I can read on CAB & Which websites distance selling should apply and by not advising me of the 'cooling off' period, my right to cancel and registering a car in my name without consent that they have committed an offence. Of course I don't want to go at them quoting things like that but I would like to know where I stand in regard to getting my deposit back and what the heck I should do to get the car de-registered and un-financed in my name. Any help would be appreciated! Thanks!

Just thought I would post some information that I have come across that might help people. If you ever need to obtain documents from the County Court about any claim made against you, then you can use CPR 5.4.2. The current fee is £11, unless you can apply for exemption. http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part05

Maybe I'm one of the most unluckiest people in the world, Natwest have really taken not just the biscuit but the pack... As part of my account benefits, I get the identity theft assistance and credit reporting through CPP and Experian. Naturally when signing up they couldn't confirm my identity so I needed to send in some docs. These were; - Colour copy of passport - 2 x Original Utility Bills These were sent as a mobile phone bill and also a bank statement. This was 16 days ago through Natwest Post Service to their Chatham office then on to Experian. This was at the advice of their staff members in branch. So i phoned Experian yesterday and today who advised the documents still haven't arrived and that I should contact Natwest. I have done so over the last 3 Days chasing. I sent a letter last week for something else which they have scanned on to their system. However the covering letter from the documents hasn't been scanned. I've been passed from pillar to post and now I need to know my next step. When speaking to a complaint handler, I asked in the event that they have lost them, what would they do to ensure my protection? Naturally their response at this time was nothing as they need to fully investigate, however I also asked about if they would register with CIFAS as a basic.. "Sorry sir, what's CIFAS? I've been here 15 years and have no idea what that is? " Now I get not everyone is going to be clued up on it but they should have some basic knowledge of what CIFAS Is, all my training I had for my financial services included CIFAS information etc. And I would expect complaint handlers to be trained in this to some degree... I want to know what to do, as most of you know, I've already had to fight off a case of identity fraud before. If they have gone missing, they have exactly what they need to ruin my credit file all again. Your advice is well thought off in my mind and maybe I've missed something.

Hi, Lowells have been pursuing a debt they have bought. I sent a 'prove it' letter with my pound postal order. After waiting the 12 working days, i had received nothing other than ' We're still looking, Bear with us' letter. I then sent the failure to respond to my legal request letter and account has entered default. Both templates i copied from here. Since then i have had two 'Still looking' letters, and this week they sent one saying that it has been 8 weeks since they received my 'complaint' ?? but they are still gathering the necessary information. They also include a little booklet from The Financial Ombudsman Service, should i desire to escalate my complaint. My first request was dated 18/2/14 and the default letter dated 6/3/14. Now, on checking my credit file on Noddle, i can see a default from Lowells dated 22/4/14 , some time after my second letter. Can this be correct?. I have also been searching for a template letter to request the removal of the default from my credit file. Incidentally they haven't returned my postal order yet. Many Thanks

i need a list of legal documents related to debt recovery legislations that i can read to defend myself in court. both for non statute barred debts and statute barred debts. only post on the thread if you are not going to patronize and address the question directly.

This is a general shout out for those that have been contacted by Erudio. Have any of you been sent new terms and conditions which they require you to sign and send back? If so, can you let me (or any of the site team) know. I would love to see a new contract and see whether the terms have changed.

Hi, Can anyone help. I have 2 sets of court documents pertaining to Warrant of Entries. The signature on the application is clearly and obviously structurally different to the signature on the actual warrant. I believed that the documents were not authentic when initially presented. I have contacted the court and they have now said that the documents are both correct and valid. I do not believe that they are so have now asked for the details of the Bench Member who signed the documents and am requesting that they sign an affidavit to confirm this. Short of losing my mind I really believe these documents are dodgy. What should I do next if I suspect some kind of cover up at the court. This court has been involved with a serious criminal investigation recently where court officers and barristers have been charged.

Hi.. I'm after some advice if poss.. But first a bit of background info.. About 5 years ago me and me ex wife separated. While doing so I went through our finances and took over a payment she was making to HSBC through Robinson way...I didn't now much about it but said I'd take over it to help her financially (we parted very amicably and have children so wanted to help out as much as poss). Anyway I paid this for about 2 years til may 2012 at which point we were finalising the divorce and while going through my finances my solicitor at the time asked me what this was for. As I didn't really have much idea so I asked the ex for the original documents, but was told she had no records for it. So knowing that I'm legally entitled to them I wrote to Robinson way and requested them. After a stalling letter and then a further request from myself I received a letter a few months back saying.. And I quote " we have been informed that we are curry unable to obtain a copy of the original agreement from the original creditor. Whilst this means that the debt is unenforceable through the courts, it does not mean the debt does not exist or that we are not entitled to pursue you for the sums outstanding. Please find enclosed a statement of the account showing previous payments made accepting liability of this account" So I'm a little confused.. I explained in my original letter to them why I was requesting the documents and as they can't provide them I can't be totally sure I'm listed on the original documents. And also as they say it's unenforceable through the courts where do I go with this?? Since then I've received a letter asking me to continue paying.. And another one saying they are going to instruct a door step collector to come and arrange a payment plan. So as you can see I'm just a bit confused as to what to do next given the letter they sent me...any advice would be greatly appreciated. Thanks

Hi everyone. On saturday I received a court claim from Northampton County Court stating that a company called CAI Finance Limited have put in a claim for £1577.55 including interest. They state they were assigned a debt allegedly owed to Bank of Scotland PLC dating back to a credit card from 2003 which I apparantly defaulted on in 2010. It states they were assigned the alleged debt in August 2012. Wit a reference number relating to the credit card and that they sent a letter to me in September notifying me they were assigned the debt. There is no paperwork with it to state that they own the debt, that the debt is in default, or that the debt is actually mine. I dont to my knowledge owe Bank of Scotland this sum of money. It is the wrong amount. The last contact I had with Halifax which I guess is what the debt is relating to, was when I tried to arrange a payment plan for a much lower amount over the telephone which they refused to do, stating I had to pay in full. I then received a normal credit card statement requesting full payment. I was not aware the agreement was terminated or that the account was even closed. I do recall receiving a letter from a company stating they owned the debt a while ago and I did not keep the letter, but I recall that it was First Credit? I have no knowledge of CAI or the amount of money they stating, even without interest added. I never sent First Credit a SAR or disputed the debt. Is it too late to do that now? Can I ask for them to prove they own the alleged debt, or do I have to now accept that they can purchase a debt for a low amount, then make up a figure about what I owe and I have to pay? I have been dumb ignoring the halifax debt, but I was hoping that they would just leave it for a while. I have been unwell and have had money issues so didn't deal with it properly. Now I regret that as this is a pre-2007 credit agreement. Can I do anything to stop this becoming a CCJ for an amount I don't even owe?

How likely I am to get disability element on top of my working tax credits, based on the tax office guide lines, I think I would be entitled to the disability element, but dont know what the tax office would think I work 16+ hours per week Due to my health, I am unable to work, 5 days per week, or any long shifts now, so I only work 4 days ,and 6.5 hrs I have a secure job, in asda, so for me to find a new job, I think I would have some difficulty in doing so My health is poor, due to slow heart rate, high cholestral, and angina, easily get tired, and exhuasted. Have been in and out of hostipal getting tests done for last 2 years Because of my health I have had to take time of sick, and the way my days of sick work, does not allow me to get ssp, as it is my day off Since my health has got poorer, my earnings have been vastly reduced; 2008-2009, £12,600; 2009-2010, £9500, so my gross earning are less than the year before If I didnt get disability element then I would have to work more hours just to meet outgoings, but in doing so, I may very well make my self more ill, as I realy need to rest

What a lovely letter my other half has received from CCS. We had some added bonuses to the letter. Amount outstanding was in RED. Followed by **Please pay only the amount in red** A claim may be issued against you for recovery of....... oh they MAY will they. The best bit I personally like is the part where they say "Debt shown may include a late payment charge. And apparently she has to act now to avoid this action by paying immediately. She also got another from Moorcroft We have not received any communication to stop us recommending legal proceedings we are prepared to accept payments of £20 a month. Lots of please do this and please do that. Funny thing is this debt is made up of charges. I really want to SAR these guys, and have I know one debt is made up of charges, the other I know little about. If I do SAR these cretins am I likely to get all the info ie statements and also the CCA to look over? And can someone post a link the the template as I can never find it. Cheers and a merry Xmas to Commercial Credit Services and Moorcroft. Oh and another one that sent a letter a few weeks ago offering us a reduction in my other halfs debt, may 2012 be more fruitful in your quest to extract money from her.

About two months ago I sent my polish driving licence and polish Id to DVLA through one of their offices. 4 Weeks after not getting anything back I phoned them to which they said they have no application recorded and will call me in a week time to tell me how they investigation went. 2 weeks later i phoned them and they said they are investigating and should reply soon. 1 week after that I changed my home address and informed them about it - i stated that it's very important to send all correspondence to the new address as I have no access to the old one. Last week they told me that they are sending new application form to the new address due to change of the address the process need to be restarted. I received nothing - by the streak of luck I met my friendly mailman who had a letter on my old address from DVLA in which they stated that they need original(!) of my receipt to start the investigation! 24 days after my initial call!! When I phoned then they said they need original, and when I said I will never give them that as they might loose it as well they said it's up to me but they wont start the investigation without it. So there. I have no driving licence, polish ID was the only way of me to go back to poland so the whole process of getting polish driving licence is 2-4 weeks stay in poland and long embassy proceedings here to get one way ticket back, I will have to find an address in poland as well as its required to get the ID there, then apply for polish licence for which you need an ID. All that while staying in poland not working here my work loosing money because i'm not here, paying for hotel... well it's a mess. And they seem to try to get my only proof that they lost the documents from me in order to start looking for them? I don't know but it doesn't make sense, so who is above DVLA - who I turn to for help next? Thank you.

I called up yesterday as i need to tax a car before finalising the sale of a car and was told they'd get emailed to me and yet i'm still waiting a day later. Not having them posted to me wasn't a problem when you can insure online but when you can't and need to tax at the DVLA office apprently they don't have access to the insurance database...

Hello everyone In 2005 I signed a Mortgage of freehold or leasehold property to secure own liabilities to raise business funds. The letter from the bank states that if the signing was witnessed by legal secretary it must have the words "a fellow of the institute of legal executives" under the witnesses signature. A copy of this document that the bank have sent me has these words on BUT the original which i have had from the solicitors does not. Its obviously been altered by the bank. This can't be right surely? Thanks...

Hi there, I hope someone can help me, I am just not sure what to do. To cut a long story short, I suffer from Multiple Sclerosis and have had to relocate hundreds of miles away from an apartment that I own. I decided to sell the apartment as I cannot reasonably undertake the stress of owning/renting a property so far away. So I spoke to some agents in the local area over the phone and one agent seemed very friendly and responsive. ( They are a national chain ). So after speaking with him for a short while via email, as I don't get chance to use the phone at work he agreed to market my property. He sent me some paperwork via email (PDF) documents of the agencies standard terms of business. I have attached the exact documents he sent me. [ATTACH=CONFIG]44065[/ATTACH] [ATTACH=CONFIG]44068[/ATTACH] Further to this, I asked if he needed me to complete all of these details just before marketing a property to see the response I would get ( the property market isn't great and I am in negative equity so didn't know what the response would be ) Anyway he said no and a signature on the document would be just fine for now ( over the phone to me ) so I placed a scanned copy of my signature on the document in the buyer's copy of the document. Leaving all the other details completely blank and then just emailed it back to him. I have attached what I returned t him. [ATTACH=CONFIG]44067[/ATTACH] A few months later, after pushing the agency on why i have had no interest on the property they drastically reduced the price and I ended up getting an offer for the apartment. So one day I decided to go and see the agent with a friend of mine ( a Dr. ). I spoke to him in the branch about the fact that we had never ever discussed any fees or agreement between us and yet he had already sold the property. At which point he advised me he had given me a discount on the standard fees and had applied a fixed fee of over £2000! ( that's over 4% of the property sale price). I then noticed on the computer in front of him that he had my documents up on the screen. So I asked him to show me the document I had signed months back and emailed to him. Upon him opening the file it was completely filled in!! All the following details Changing the date I signed the document to the same day he signed the document Completing the entire document including his fees Signing a box on the document on my behalf that I was happy to pass my details onto their "conveyancing partner" Indicating on the form the document was signed in his presence He also kindly filled in my personal details with a made up driving licence number, dates of birth etc stating that he had verified the original documentation Upon me reading this on his screen in disbelief I asked him if he had completed the document, he replied that he had. I also advised him that I have never seen this document since the day I emailed him the blank one back to which he agreed. I then asked him to print a copy for me so I could at least read it which he was hesitant to do so as I had to ask him on 2 occasions for the print out. I have since contacted the head office of the chain and have been communicating with a "customer relations" representative. She has after 4 weeks of "investigation" returned to me with a 4 page document that is full of false statements in regards to my dealings with them and advising that "I" must have had all of this information beforehand and that there was no underhand activity taken by the agent in the branch. Despite the fact that I have a print out of the forms that have false information all over them. I have communicated with the agency via email for the majority of the time and have all the emails and documents as evidence as well a witness to the fact that the agent admitted to completing the document himself. But I am in total disbelief that the national agency's head office have responded in this manner and just do not know how to proceed. As mentioned previously I suffer from Multiple Sclerosis and the situation really is having a detrimental impact on my welbeing as a consequence of the stress this is causing. If anybody can offer me some guidance or advice I would really appreciate it.

Hi Looking for advice. Brief history: 1. 6/2003 Took out Marbles credit card from HFC 2. 9/2012 Received Claim for £6700 and Statuary Interest (SI) £3450 from Mortimer Clarke Sols acting for MCE Portfolio Ltd 3. 10/2012 Combined CPR31 asking for agreement plus T&C, deed of assignment, default notice 4. 10/2012 Filed statute barred and embarassed defence due to lack of detail.in POC 5. 11/2012 Claimant sends a. reconstituted statements 6/2005 - 8/2007 b. application form with separate T&Cs c. Deed and Notice of Assignment d. Default Notice 6. 11/2012 Case stayed as claimant didn't reply within time period to defence 7. 3/2013 Application to lift stay granted 8. 3/2013 Allocation Questionnaire returned 9. 4/2013 Stayed until 21 May 2013, by 7 May must file a completed directions questionnaire 10. Claimant sends letter asking for complete income expenditure and request for payment proposals and indication of defense. From the statements received it appears I made reduced payments until May 2007 so the debt is not statute barred. I plan to defend claim on unenforceable agreement and also dispute the amounts claimed if that fails. To enable to finalise my postion I would appreciate help on the following: Total amount of claim is over £10k so not eligible for small claims track. However the balance claimed contains charges and SI appears too high. If these figures can be recalculated to below £10k is there any way I can get this allocated to SCT.I assume they want Fast Track so they can pile on the legal expenses if they win, therefore, if I win can I claim my research expenses for which time reading through the forum is racking up. Are there any other advantages/disadvantages between the tracks. The balance claimed contains contain late payment review charges can you please point me to the relevant legislation I can research. Do I dispute amounts claimed or counter sue for the charges and compound interest on them? They're asking for over £3000 for 8% statuary interest(SI). On their claimed outstanding balance this is over 6yrs of interest. SI can be claimed from cause of action, for credit card debt is cause of action date the date of first missed payment? Because I made last reduced payment 3 May 2007 the claim is not statute barred as the is the cause of action date is reset. Now is the cause of action date for SI different if so how can this be? If not they have over charged SI. Further they have claimed SI for over 6 years yet they didn't take over the debt until 2012 so how are they entitled to interest previous to then? The main thrust of my defence is unenforceable agreement. In response to CPR31 they have provided a copy of my applcation form from 2003 with a stapled separate T&Cs. Now the T&Cs contain as far I can tell all the prescribed terms I can make out the headings but the actual text is too small to read. However I am certain that these are not the original T&Cs. Also they have also forwarded reconstituted statements and a perfectly formed default notice. However these are word processed files not on headed paper so can have been created at anytime, there is nothing to indicate these were actually sent to me. In fact the statements refer to $ amounts and the DN is dated 25th Oct 2007 but states remedy by 12th Nov 2008 (not my date typo). From a copy of my credit file the actual DN was in 2006. Also the deed of assignment and notice of assignment are for Pheonix Recoveries to MCE Portfolio how do I know the debt was assigned from HFC to Phoenix. Any suggestions to best proceed in proving that these are made up documents with the prime reason to unlawfully obtain money. Anyone else any experience of this? Also is reporting MCE portfolio to FSA/OFT appropriate at this time if I had my way I would report to police for falsifying documents to extort money, a substantial amount as well. In response to the stay the claimant has requested I complete an income & expenditure form, give proposals for payment and details of my defence. Does completion of said form and reply constitute as admitting the debt in writing to the creditor so starting the 6 years statute of limitations once again? I am wary as the six years from my last payment ends in a couple of weeks and I have already had default on credit record for over 7 years and don't want to add a further 6 years. Further to this the claim is stayed so we can mediate to try to achieve settlement so if I write alleged and without prejudice does this mean I accept the debt? As I am on benefits and have no savings I do not believe they will accept any offer I can afford so likely to end up in court anyway. I know I have asked a lot of questions but I believe that they know I cannot afford to pay and want a charging order, therefore, I intend to fight to the best of my ability and any advice gratefully received. -K

Hi there, I'm new here, pleased to meet you. I have a query regarding disclosure of documents at County Court for a fast track case of which I am defendant. If I have filled in the form 'List of Documents: standard disclosure' to the best of my ability and forwarded it to court before the specified deadline with a covering letter and an attached table of documents, have I complied with the following statement?: By 4pm on (date) each party must serve and file with the court a list of issues relevant to the search for and disclosure of electronically stored documents, or must confirm there are no such issues, following Practice Direction 31B. Or is there something else I should have done? Thanks in advance. AJ

I am applying for work, and one application (for a janitorial cleaning type position) has asked for copies of the following documents to be sent along with the application. It seems to me that these are things which can be requested at the interview stage, but is it legal for the employer to require them at the application stage? It seems sketchy to me, and I'm reluctant to do so for various reasons, including the potential for identity theft if the documents are misplaced or misused. If it is not legal, is there a body or organization I should report them to? "Please include copies of the following documents along with your application form: Passport Drivers Licence 2 Recent Utility Bills 2 Employers References SIA Licence if applicable Visa ( right to work permit if applicable)"

Hi CAGsters, havent needed anyones help for a long time which is great. However now I do Please could you have a look at the attached request received from my employer. In a nutshell we are being told that we have to provide our Driver Licence, MOT & Insurance paperwork for our personal vehicle. We only use our personal vehicle to travel to work, no work is carried out in our vehicle and it is parked in a public carpark on our work premisses. We are teachers and are employed by our local council. They already have a copy of my driving licence for driving a school vehicle, but im not happy that I have to provide my personal MOT and Insurance details. All advice and help is appreciated. REGARDS, Spinster

after a non fault accident my car has been classed as a total loss by hastings direct ,should i send them my vehicle registration papers they have asked for,even though i have not recieved or accepted any offers for my car....why do they want them before i get an offer

Hi there, i've been going through some debt problems recently, when I was younger I had an array of credit cards and payday loans. Now some years later it is still taking its tole. I met a man by chance who spoke to me about Fiat currency, and how because currency is like an IOU and doesn't actually have any value I dont owe my creditors anything. He went on to say that I have to have made a signature to opt in, otherwise they are giving me money, he said there are three documents I should request, if they cannot provide any of the three I can write off my debts, does anyone know what these three things are? Many thanks

My question is based on a sale of goods act and trading standards infringements by Xerox (UK) Ltd. What I need is an answer to the questions at the end but will try and tell you about our dispute. I now have evidence, 6 years later, that Xerox (UK) Ltd and their Premier Partners Zerographic System Ltd sold, at the time, expensive digital printing presses that had a known fault and were over specified. The document they used in their statements in Feb 2012 to say that we bought the wrong machine (the route of the dispute in 2006) was a Customer Expectation Document (CED) that was produced, by Xerox (UK) Ltd and dated 2 weeks after we bought the machine. It was not known of, or shown to us, until Feb this year (2012) and during an investigation concerning this new evidence used against us we unearthed that in correspondence between Xerox & Zerographic’s, in 2010, that Zerographic’s themselves had not known of such a document existed until November 2010. The CED specifications say at best the machine will only do 10,000 to 40,000 per month regularly, 5% to 20% of the brochure's specifications of up to 200,000 per month (there is no indication on the brochure that other specifications or technical information is available) and both Xerox and Zerographic’s did not make us aware of this discrepancy in pre negotiations of purchase (they could not as the CED did not exist at the time of purchase). If they had it was obvious it would not do the 50,000 to 75,000 copies per month we needed and we would have bought the Canon Digital Press. I have 3 independent witness statements that support at no point at a trade show (6 weeks before purchase) did Xerox or their reps. say it was not suitable and in fact on they supported it was perfectly fine for our use. Xerox gave us the brochures at the show. The twist and turns over the last 6 years I would need a week to explain. In the end we were run in and out of court for CMC's and mediation which all made no sense until this document appeared in Feb 2012. We had spent over £180,000 in legal fees to end up at the beginning when we asked both in November 2006 to state why they say the machine was working within their specifications when in reality it was not even working closely to the specifications we had. They avoided replying to this until Feb 2012 In the end we went to court as litigants in person. No choice as we have run out of money. Solicitors only work if paid. To say the hearing was a farce as we have £0 and they have an endless pot. The reasons for the hearing are complex. What I need to know is very simple. Does anyone know the limitations in time to presenting a skeleton argument for a court hearing? I have been told it is 7 days prior. Does anyone know the rules and where I can find them? Does a lay representative have to have specific litigation knowledge or experience? No 3 is contentious but the judge in our case refused our request specifically on the grounds of his lack of litigation experience even though he was a retired Police Chief Inspector. I was there but cannot defend myself when I am in such intimidating places. I also have a serious stress situation. I have checked and there are guidelines but nowhere I can find the specific reason the judge used. Can anyone answer no 1 and 2 for me? 3 I am not too bothered but would like to know Thanks

Hello all, Basically i am facing an internal hearing regarding performance issues. I am a Head of Care nurse (with an 18 year unblemished record of service) at a hospice that cares for terminally ill children and, whilst my performance has dropped in some areas, it is is because my workload has massively increased over the years and I have suffered the loss of my son through suicide (5 years a go) all leading to what i now recognise as stress and the associated facts (behaviour changes, performance drop etc etc). It is noted in my managers notes that as far back as 18 months a go that she noticed i was stressed and that there was "tittle tattle of a destructive nature" being said about me by staff without my knowledge, yet she took no decisive action to protect/support me. Due to the nature of our work i have ensured that my staff have access to a counsellor (and discussion groups) to prevent/deal with stress issues but I didn't attend these to prevent the notion of conflict of interest, yet my employers (my general manager and Board of Trustees) took no similar steps to protect me. so my question is, am I entitled to ask my Board of Trustees to provide me with the following documentation in advance of the hearing as it forms a key part of my defence; The health and safety policy and risk assessment that allowed the hospice to comply with the Management of Health and Safety at Work Regulations, 1999 and Health and Safety at Work (...) Act 1974, with specific regards to action taken to protect Senior Management The hearing is next Tuesday so i would appreciate any help Thank you

Hi all I'm hoping somebody might be able help out here. Does anybody have copy of the Terms and Conditions, Policy documents, exclusions, etc. for a Lloyds TSB Fixed Rate Personal Loan with Insurance? I'm particularly interested in the period 1995 to 2000. Lloyds confirmed he existence of loans, etc. in a SAR but due to the passage of time, etc. couldn't provided loan documents and so on. I've got a strong case against them but something has just come to my attention regarding unemployment and retirement. Any help would be appreciated. Si