Hello, we have a car loan with a company and in the last 12 months we've received two email both containing a lot of attached letters that contain personal information on a significant number of people. They contain name, address, bank details, car reg details and so on. I'm a bit concerned about this as I worry that our details have gone flying around to others! I also feel sorry for the people whose details I'm seeing! I've alerted the company each time and just received an email back saying "sorry about that, just delete", very offhand about this! Is there anything else I should be doing? I'm concerned that I've received this info but more so that they're doing this and not bothered about it. Thanks for any advice.

I've got 4 accounts totalling £10K in debt, either credit card or bank loans. All 4 are defaulted on my credit report and are all around 4 years old. I received a 'Pre-Legal Assessment' letter from Lowell regarding one of this accounts this morning advising my account is being escalated for legal assessment, threatening potential Sheriff court action. This particular debt is only for £256, so I presume this is probably just hot air. I'm currently living with my partner and I want to know what are the chances of debt collection agents of bailiffs turning up at my door? Would this only happen after court action? Is it now just a matter of time before I get similar letters regarding the other debts, and should I now make arrangements to repay?

Hey folks, need some advice. Hubby had a motorcycle accident last November. Was hospitalised and had surgery. 5 months off work with only SSP. We got through that. We had a witness and the police prosecuted the driver for driving without due care and attention. That went to court in June last year. Hubby had 12m review with surgeon yesterday and has to have further surgery in 3 weeks, meaning more time off work. Our solicitor is telling us that the other parties insures have not responded to their push for admission of liability. Court proceedings were allegedly served in September this year as they hadn't admitted or denied liability and we still have no response. We have asked about an interim payment, but have had nothing . We have been told we cannot get one unless the other side admit liability. We cannot afford for him to have further time off work as he only gets SSP! Is this right? Surely if the driver has been prosecuted it's pretty cut and dried and the driver's insurance company should have at least responded?? Thanks:|

Hi, Sorry for the basic question but I'm struggling to find an answer. As a sole trader, do I pay class 4 NIC's on my personal tax allowance or do i deduct my expenses AND personal allowance from my gross profit and then pay class 4 on what remains? Thanks

Just been informed that i will not be getting this benefit, i am currently in receipt of DLA. The decision and reasons has been based on a seven minute examination and what has been alleged to have taking place in that period of time is complete and utter made up rubbish. Luckily for me in a sense is that i had a witness my wife who taped the whole seven minute examination which is at complete odds with those giving by the [removed] person who Atos used to examine me. Might send the footage to the media and expose just how and in under ten minutes the government are relying on this practice and in particular claiming parts of the examination which have been used as a means of stopping this benefit without actually carrying out such process which as far as i am concerned is criminal and very misleading. Makes you wonder how many other disabled people are losing any rights that they have based on a fabricated report from Atos :mad2::mad2::mad2:

Hi just wondering can anyone assist or have had similar issue: I purchased a hp car after 6 months and faults i returned the car and wanted to upgrade to a bigger car. However i could not obtain finance was advised that if i got another family member they could try that. my sister went with me and they obtained what we were told was finance and that there was £2000 negative equity from the car i had returned and that this would be added onto the monthly payments. We also purchased gap insurance and were advised that everything was the same only difference was the amount. We were even advised that we could come back half way or in a few years and upgrade again. I have never received a letter, email statement at all in the 30 months i have had the car. To my shock i decided to trade up as i had been told i could so i contacted blackhorse who said yes this could be done as long as i paid 1400. After one week and getting the money i again contacted them only to be told this was a PERSONAL FIXED SUM LOAN!!! This was not what i had agreed to. I brought back a hire purchase car and was told that everything was the same. O and blackhorse said they sent 2 statements of which i have yet to see. I would never have taken a loan for a second hand car and did not know that it was even possible to go into a showroom and get a loan. They were fully aware of my circumstances and wishes given that i was returning a car on hp which was not suitable! They never advises us off the change, yes we signed paperwork but on the basis of the sale team telling us everything was the same. My understanding also was that GAP insurance only covered for the fall in car value not for a personal loan? To add during this time i have since taken another car out and it is hp with the same dealer with the same instructions as before. I truly believed and was advised that they all were the same until now obviously. Any help would be great

As a self-litigant after almost seven years of ongoing PI claim for PSTD which was initially for 40k. My barrister took over my case 2years ago and elevated my claim to 90k. We had two days hearing. I prepared the bundle and delivered personally to his office a week before the date. I asked for his skeleton argument, he replied, that is my own side, I will deal with it. Hearing date the defendant barrister handed his skeleton argument to my barrister my barrister said he didn’t know he had to do one. He borrowed my Ipad and held the court for 1.5 hrs pretext of negotiating. Yes, there was negotiating but only took 5 minutes. The judge rubbish his skeleton argument and he look like idiot when he was asked to comment on the defence case law. I gave her my legal cost for 13k for her to give copy to defendant and the judge. He took it, saying not now, ‘we have not won the case yet.’ Before the hearing defendant offered 12k settlement because they believed that the case was worth 5k. My barrister said it was too low. After the first day hearing which went very bad for the defendant., I asked my barrister to push for more and reluctantly for my barrister the defendant offered 20k, my barrister said no he would get at least 40k for the claim My Barrister won his case and was awarded 5K . I quickly told him to slip my schedule of cost in for the judge to sort it out since he has not prepared one for himself instead he was cherry picking my legal cost. By reading over to the judge. Total pay with cost 7k while I have legal cost of almost 15k for this case. We are still within the week of the decision, can I re-present my cost or go after the barrister. I have waited 7years for this case .

Hi, my Aunty as just told me when she took out her mortgage in 2003 with Santander she was advised to take out Personal Protection Insurance separately, which she did. She wants to know is this the same as PPI ?? We have looked on the internet but it's not very clear wether it is or not. Thanks in advance.

Hello, Been a while! I'm trying to arrange a PPI refund on my load with GE Money. I've sent them a form detailing my complaint - and they've come back to me today, saying- They've looked into my unfair PPI claim They've looked into the commission paid to by the insurer to the lender. They're not going to uphold my complaint, because, according to the copy of the agreement shown - the loan was dealt with by a broker 'The Personal Loan Express' it was taken out in September 2003. all the boxes were typed in, and all the boxes ticked for insurance. I recall this was all done over the phone, and they told me to sign the forms and send them back, and because of the type of loan it was, i would have to pay PPI. they're not upholding it because - it's not their problem - The Personal Loan Express. have gone out of business. i can't go to the FOS because it falls out of their remit because the ICOB 'Insurance conduct of business' wasn't started until 2005 They've reviewed my account in connection to the relationship between me and GE Money, in respect of the loan agreement being unfair under s104a of the CCA because of undisclosed commission paid by the insurer to the lender/broker. They're not upholding that either - apparently s104a of the act doesn't apply to the loan agreement, because the loan agreement was entered into before April 2007, and redeemed prior to April 2008. This also falls out of the FOS jurisdiction. They've suggested i approach the FLA, closed my complaint and told me politely not to bother contacting them again. Somehow, even after the length of time - i feel a little short-changed (pardon the pun) It's almost like they're saying 'Yes we knew you had PPI, you can't claim because the firms gone bust, and plus too much time has passed.' I've got a copy of the letter which i'm happy to redact and post, as well as the one page of the agreement. Any advice, would be very grateful Cheers Dman

I am wondering where I stand with this. I have been told that Dukes Bailliffs made a visit to my workplace today. They handed a letter to one of my employees. However this letter had my contact name but another companies address, which is just around the corner, said employee thought it was for them and they had got names mixed up. the company opened the letter which they found was from Dukes Bailliffs but was infact for me. I had my name and personal address inside, saying the same old thing. We have visited your home today and you have 7 days to get in contact. With how much I owed in Council Tax. They immediately returned the letter to me, but wanted to know why their address was on it. They contacted Dukes and asked them, they were told that my council had given them the business address along with my details as a director of that company, as they were unable to get a hold of me at home. They said their company must have something to do with mine. Can they actually visit a place of work and harass one of my employees, and also this has caused quite a bit of embarrassment, on both my part and the company who the letter was addressed to. Isn't this a breach of data protection.

Hi I'm a new user seeking some advice with loans2go personal loans. I took out a personal loan with loans2go for £800 with a monthly repayment of £156. Now my partner has previously had a loan with them which he did not pay and has received a CCJ they mentioned this when I took out the loan but gave me it non the less. A couple of days before the first payment was due I was taken ill resulting in 2 hospital admissions and I will require surgery and I have been signed off work for a number of weeks. I cancelled my card as I just cannot afford the repayments any more I am going to struggling with priority outgoings whilst off sick. I have had several voicemails left including one stating that it could be deemed that I have committed fraud. I have emailed them explaining my situation including proof that I have been signed off work and have offered a monthly payment of £30 as this is all I can afford. Any advice or suggestions on how to deal with this are much appreciated. Have I committed fraud and what action can they take?

Hi I have recently been offered a new job and have consented to background checks, i said i was unemployed for five months and they want evidence of this, but i didn't claim and benefits (was living on savings with some help from my partner). The issue i have is they want a bank statement spanning that length of time which makes me feel uncomfortable as i find it very invasive. Also my partner didn't have a bank account at that time so let him use my bank details for his employer to pay his wages into my account, this will obviously show up on my statement. Not only that, when looking through my account history i found a couple of jobs i had forgot about that i had for such a short time but didn't declare (because i didn't remember having them) one was less than 1 week, the other was 1 month. I am upset because i genuinely forgot to incorporate them and even if i had remembered them, wouldn't have declared them as they were crap jobs that i walked out of fairly swiftly and didn't want it to look bad on me. What do i do, do i tell them and hope they will understand or am i doomed?

hi gents after a bit of advice, my brother took a personal training course and passed he got his certification and took a job being self employed in a local gym under your personal training they made him sign up to a membership of £400 a month so he could take personal training sessions in the gym and it had a minimum contract of 6 months. around two months into this contract he moved away, he sent them documents with his updated address to prove he no longer lived in doncaster where the gym was and he now lived in manchester so was unable to complete the contract, they have since said he is still liable for the contract even though he cant use the facilities with the distance he now is, he also seems to have had an agreement with harlands yet they seem to have cancelled it fine with the bank statement of his new address. your personal training have now passed this onto a debt collection agency and they are hassling my brother for the money which we believe as he no longer lives near the gym he should not have to pay any outstanding amounts. can anyone please advise me the best way forward we have tried to explain this to them but they are having none of it. i have attahced a word document of the contract with them and have removed his personal details if anyone can help it would be much appreciated.

Dear All, In June 2014, my partner and I arranged an overdraft with our business bank (Nat West) as match funding for a government loan scheme. We were asked to sign a personal directors guarantee and, at the same moment in time, signed the waiver to legal advice form in the bank's office. Sadly, our business has now been declared insolvent and the bank are now calling in the personal guarantee for £20k. Originally, we did not believe we had signed a guranatee but the bank have now come up with the evidence (although that was never originally forwarded to us so we had no copy until now). We have also never received a copy of the overdraft agreement signed in June 14 although we have one signed September 14 with a pp signature from the bank. We were also asked to sign a debenture (again, we have no signed copy) and also a postponement of directors loan account which we definitely didn't sign as they were still chasing us for that in February last year and I know we never signed this. I recently wrote to the bank asking for copies of ALL signed security documents and they only sent me the PG and waiver. I have written to them again today asking for the other security documents. Nether my partner nor I are ones to shirk our responsibilities but I would like to come to an arrangement/agreement with the bank to either pay a lesser amount or a small monthly payment. I have already lost 200k personally from the business failure and hoped that was the end of it. I have phoned several companies who state they deal with these types of issues but not one has come back to me. My question is How is it best to start the process of negotiation with Nat West and what should I say initially? And is it feasible that the guarantee could somehow be unenforceable? I should say that I had another company (Credit4 - beware!) took me to court re another directors personal guarantee for the same failed company and got a ccj and a charging order against a property I owned. i have had to sell that property (my main income) to satisfy their debt and have a small sum left over which I really want to keep to buy somewhere else to live now. Another £20k will add to my losses even more and will dent that small sum. I can't get a mortgage now due to this ccj, even though it is settled, hence why I need to keep as much as I can to buy somewhere to live without a mortgage. My partner now has a new job but has to live away as its not local. We cant afford to buy anything where he is working. Feeling really fed up and just wondered if anyone had some sensible advice on how to get a settlement agreed. Or to know someone who can help at a reasonable cost. A little light at the end of this dark tunnel would be so nice. Thank you in advance to anyone who responds to my request

I had been with Natwest for 22 years and had a black account with the Gold Advantage Charge card. I was advised to become a company as I would be delivering a service through several agencies. Unfortunately, due to exceptional circumstances and include a bad personal relationship left me in debt and I am about £8 -9k in mortgage arrears on a house I rent out and a personal overdraft that was £12k. In 6 months that OD was cleared and both business and personal accounts were in the black. The difficulty in meeting the mortgage department for an arrangement to be put in place was mainly because this period was over the summer, they would meet with me after 5pm and if I called at 4.45 they would not deal with me. I sent in 2 income/expenditure spreadsheets but they clearly didnt see them but I managed to set up a DD for the mortgage online and I met the deadline. That evening all three of my accounts were closed. I called the callcentre and they said they didnt have me on record. I tried to log a complaint and they were too busy on the Friday but promised they would be in touch the next day. They never did. As a prelude they stopped my access to online banking even though there was no way of spending money or transferring out into other accounts so it made knowing where I was financially and who had paid me and hadnt. The worst thing is that I couldnt operate, I need supplies, sundries and I was without any money to buy food or even some milk. I told Natwest this but they told me all my funds were transferred into the mortgage. It took a further 3 months to work out what had happened and the cause was not offered to me by the bank whose level of investigation was looking at the screen in front of them whilst on the phone. They hadnt cancelled the previous direct debit so every month the original arrangement would draw funds then the older previously arranged dd would be rejected. This was recorded as a default. I tried to make it clear to them there was an arrangement in place, it utilised a payment system set up and approved by the bank and it was their job to find out where the money was disappearing to every month for three months instead they left it to me. I complained about being oushed further into hardship by continued charges I had no way of keeping track of as the online facility had been taken away four months before they closed me down, failed to log 6 out of 8 attempts to complain and didnt care that I had not a penny for two weeks. They tried to issue a repossesion order and I wrote in to the lawyer to say that was illegal as the account was under dispute. In the meantime, I asked for SAR to get all the account information and after three months all I have is mortgage account copies. The lawyers are now calling me and I am sure its about instructing me to pay the arrears within the week or they would issue a repossession order on the house. They cancelled the direct debit that existed so I was conscious to keep puttting funds in every month but trying to function without a bank account lost me more money and irretrievably lost more clients. I am expecting a lump sum of money that will clear the arrears but the knock on effect meant that I was late paying my suppliers and one has taken a county court judgement out against me and bankruptcy is where I am at if I dont have some means of a reprieve. Yes, they said that if i didnt have an arrangement in place my account woud be closed and they talked about recovery. Sounded to me it was going to get better! The arrears werent as much as my overdraft which i cleared in less than 6 months and they had said the the charge card was a different legal entity and when I called the credit card company customer services before they closed my accounts they said that there wasnt any money owed and that it would be fully operational once the mortgage arrangement was in place. That wasn't true and I also lost my 36,000 reward points as I had no online access and frankly more serious things to worry about. i cant really afford a litigation lawyer at the moment and have little faith in the FSA from what I am reading. The banks replies to my complaints are to issues that weren't raised and they have not taken notice of my plea to allow me access to funds I had to eat and drink. I was not notified clearly that every account would be closed down and as far as I am concerned there was an arrangement in place that obviously isnt integrated into the RBS network as they couldn't see that the money had been taken from the holding account and HSBC provided a fast pay reference number. You cannot open another bank account if you have mortgage arrears is what every other bank told me but once I called the Business Debtline they advised me to walk into a bank and ask to open an account. Why didnt the other banks suggest this to me? A week after submitting an application form for a Cashminder account with the coop was i able to restart rebuiding what Natwest pulled down.

Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my credit report score had drastically dropped to 734 barely over the poor mark. I duly contacted Experian to find out what has happened. Experian contacted Clydesdale on my behalf to be informed that I personally would have to contact them to discuss the matter. This proved to be impossibility as I could not find any information as to the contact numbers I would need to contact this company nor could Experian provide me with a contact number saying that they will only accept written contact. On the advise of Experian I duly wrote to them on the 22.02.16 asking them for an explanation as to how and why they have changed my personal financial data with Experian. I provided screen shots of the original default dates that were applicable which was 04/01/2010 which should have expired off my personal credit file from this date. To date I have not even had the courtesy of an contact/acknowledgement of my letter which was signed for and duly received. My questions are: 1) Can a Finance company operate this way legally? 2) What should I now do to move this forward 3) Can I take legal proceeding

Hi all, I forget when, but some time between 2005 and 2007 I took out a loan with AA Finance for £5000. I was married with 3 kids and earning well at the time, owned a nice house etc. In 2008, and in rapid succession, my father died of lung cancer, my wife petitioned for divorce, I lost my job (and remained unemployed for nearly 2 years), the divorce courts effectively stole my house from me, making me homeless, etc etc. In other words, the whole house of cards came tumbling down. I tried to keep up repayments but there was just too much happening, and not enough money coming in. Eventually I walked away from it all and resigned myself to waiting 6 years for it all to drop of my credit report. Yesterday, out of the blue, I received the following letter from Bank of Scotland Customer Services: "We are refunding some further charges to you Dear MR J We previously wrote to you to let you know about a charge of £50.00 which we applied to your AA PERSONAL FINANCE LTD borrowing account containing the numbers xxxx when we arranged a transfer of your debt from AA PERSONAL FINANCE LTD to J&J Collections. Our letter to you also enclosed a cheque for £50.00 to compensate you for any distress and inconvenience and we also advised that we would contact COMPELLO GROUP to check the status of the account and arrange to credit the fee amount to the account. Your payment is enclosed We have contacted COMPELLO GROUP who have informed us that the account is closed and we are now enclosing a further refund and a cheque for £75.60 is included below. This payment includes the fee amount plus an interest payment of 8% for the period when we applied the fee up to the end of this year. I’ve included a table on the back that shows you how we worked out your refund. This payment covers your refund of the fee plus interest, as we have already sent you a cheque for £50.00 to compensate for any distress and inconvenience the charging of these fees may have caused you. We’re aware that some customers may have incurred other costs when the fees were charged, for example where you may have borrowed funds to cover the payments, or incurred charges, so please get in touch if you were also affected in this way. How we worked out your refund Original charge Amount: £50 Interest at 8% from 01/08/2009 to 31/12/16: £32.00 20% tax deducted from interest: £6.40 Total refund payable: £75.60 Check if you need to pay tax Part of this refund includes 8% interest. HM Revenue & Customs (HMRC) treat this as taxable income. Requirements from HMRC mean the bank has deducted income tax at the basic rate (currently 20%) from this amount. If you are a non-taxpayer, or pay tax at a lower rate, it may be possible to reclaim all or some of the tax deducted from HMRC. If you pay tax at rates higher than the basic rate any additional tax due on this should be discussed with HMRC. Please refer to the advice section of the HMRC website for more information, or call HMTC Tax Helpline: 0300 200 3300. To contact us about this letter please call us on 0808 281 0224 or visit your Halifax or Bank of Scotland branch where a member of staff will be happy to help. Yours sincerely J Graham Director of Collections and Recoveries" Firstly, I have not received the initial distress and inconvenience cheque for £50.00, and my surname has changed. Apart from informing BoS of my name change and chasing up the first cheque, should I take any other action (restitutional interest claim?) or just take the money and run? Thanks in advance

I have been starting up stock trading with an expert mentor whose made millions doing it. I clocked up some loses £20k and despite some success loses are increasing. When at £20k he told me "I guarantee you will get that back", in a message (we are in contact continuously). I'm guessing this would not be sufficient to pursue legal means to recover loses should it become an issue? If its possible at all, what would be required for a guarantee written in a message to be legally enforceable? Can I have an example of such a message in this context? Thanks!

When I joined my company 3 years back, I had a Samsung Galaxy S3. My boss wanted to get me a work phone and said it would be better for me to use the work phone as a personal phone as well so I only needed one phone. He bought a Samsung Galaxy S5 for me to use as a work phone. Few days later, a work friend of ours had his phone stolen, my boss pretty much took my old phone and gave it to him to use (and later keep), pretty much assuming that since he replaced my personal phone, that that phone then belonged to him. So now I only have a work phone with a shared number. I want to know if this Galaxy S5 is now technically mine? (I have now decided to get a new personal phone anyway).

Hello, I have registered only with one CRA- Noddle. For those of you who are familiar with CR files will be able to answer my question, I hope... So I have a list of linked addresses etc...on Noddle which I guess is automatically updated once I update my address with banks, DCAs etc... There is also a different link for PERSONAL DETAILS which shows my date of birth, my full name and the last 2 linked addresses. There is also an option to change my current address myself which I did on Noddle. This last current address at the moment is not linked to any of my bank accounts and DCAs accounts showing on Noddle because I guess they have not updated my information yet- I guess it takes some time , they probably update these every 2-3 months or so... As I am not registered with any other CRAs I wonder, do the rest of the CRAs have on file my Personal details and will they pick my new personal address from Noddle and update it in their systems or will they only use what they have as information provided from the banks, DCAs etc...?? Does it mean that my REAL address at the moment can only be seen on Noddle until the banks don't update their information with my new address? Would you suggest to register with the rest of the CRAs to be able to update my address on time, so to avoid a sneaky CCJ from unknown 'lenders'?

There is an announcement about this at the top of each forum but if anybody wants to discuss any concerns or flag up any problems that we have not yet become aware of, then please do it here on this thread.

Barclays- SAR and CCA? Dear Cagers, As mentioned in another post I have 4+ debts which I desperately want to sort out ASAP. I want to start with Barclays and I will rely on your amazing help I have seen you have given to other desperate people. Please be aware that I am very inexperienced in dealing with creditors, DCA etc... The situation: Barclays current account: Opened 11-12 years ago. I use this account to transfer £4 each month from another account to be able to pay my debts -£1 to each of 4 debtors. This is including paying £1 each month to my Barclays unsecured loan (£1 payment agreed in 2013 via CDCS)... My account is in ‘working’ condition but I can see online that my address, telephone number and e-mail are marked as unknown –I guess they have found out that I don’t live at the last address provided to them. My e-mail and the telephone number have not been changed though but they have deleted them from ‘my details’ file... Barclaycard- Credit card: CLOSED by Barclaycard years ago (opened around 2004-2005,closed-unknown when and why). Never had any late payments etc.. . I have overpaid £10 to the card and never received them back. No documentation with me to prove that but I am sure about the above. Barclays Unsecured loan: Information on Noddle about my unsecured loan: Barclays Bank Plc Account start date: ‘Summer’ 2007 Opening balance £ 20,000 Regular payment £ 385 Repayment frequency :Monthly Date of default: ‘Summer’ 2010 Default balance : £14,000 Currently owning : under £13,000 Originally taken in 2007 for £20K as far as I remember to be repaid in 4 years-maybe 5 years!?. I was supposed to pay £385 a month. I paid £385 a month for over 2 years until November 2009. I applied for the loan online through my current bank account online page and I remember that the money was transferred very quickly to my Barclays current account. I don’t have any paperwork of terms & conditions or signed agreement. I am not sure if I was provided with any anyway. Maybe I just ticked these as ‘read’ online without reading them to be honest. The loan was spent on an unsuccessful business. In October 2009 I became very ill and had to leave the country for treatment. I did not pay anything to them for around 6 months while abroad in hospital. I returned to England in June 2010. I discussed with them my situation (conversations over the phone) and was paying them reduced payments (as much as I can) but they did not agree to reduced payments and did not care and kept adding fines and fees. I don’t remember receiving anything in writing from them-most of the conversations were happening over the phone, any correspondence I might have had is lost. I received a letter from CDCS (Central Debt Collection Services- Parent Company: Barclays Plc. Information about them here : http://www.humberdebt.co.uk/help-with-central-debt-collection-services-debt-debt-management-and-debt-advice/ ) in 2013 agreeing to my £1 monthly payment offered to them. Prior to that I was paying them higher amounts. After that I never received anything from them, then I moved address and never contacted to update address as I did not have a permanent place of stay. Please give me advice what to do? I guess once I provide them with an address they may issue CCJ (non registered yet on Noddle)... I remember taking the loan but I have not got any documentation etc.. . and have not got a clue how much fines , interest and charges they have added to my unsecured loan. ..Is the right thing to request SAR and CCA to Barclays? I think that it is necessary to recover all the information (statements, charges, interest, ppi and other insurance, applications, correspondence for loan, credit card and current account, telephone conversations) before discussing any repayment or settlements with them? Will SAR provide me with statements for my current account as I will need these for proof of payments for different debts as well? https://www.apply.barclays.co.uk/forms/subject-access-request?execution=e1s1 Do you suggest to apply via post or using their online system above? Do you think that the best is to close my Barclays current account first and then start communicating about the unsecured loan with them? Is it true that once I have requested SAR and/or CCA there is a big chance interest and fines to apply to my account again and to be asked to pay more than the token monthly payment? Your help is much appreciated.

Hi and what a wonderful site this is. Put my faith back in people. I have attached a blanked out Trade Credit Application which is titled 'Application For Trade Credit And Guarantee Form'. My secretary filled this in and I signed it. I thought it was a trade credit and Guarantee for goods supplied NOT a Personal Guarantee application. I notice on the last page (3) it details Personal Guarantee. So it looks a little ambiguous to me, but I did sign it and do not dispute the debt. My company is in liquidation and the creditors informed, which is why I have got this presumably. Is it worth fighting or should I try and negotiate. I do not have the £9,000 and I expect more of these. Many thanks in advance Ian

Hi, I am currently trying to sort out the details of a PPI Claim involving Endeavour/Ocean/Ocwen for my nanna and grandad. They took out a loan with Endeavour Personal Finance Ltd. on 01/09/1997 for £6000 plus £720 PPI, total £6720, for 60 months, monthly payment £159.45. Ocean Finance were the brokers and they were told that in order for them to get the loan they would need to take out PPI. As they were in desperate need of the loan they had no choice but to take it out with the PPI. In January 1999 they took out a second loan with Ocwen Limited, Ocean Finance were the brokers again. Again same story, they had to take out the PPI in order to get the loan. So the loan was £10000, plus an extra £1000 PPI, total £11000 over 60 months, at £253.11 monthly repayments. They used part of the second loan to pay off the first loan. So the loan of £11000 from Ocwen Limited was disbursed as follows: Derbyshire Building Society = £163 - buildings insurance Ocwen Financial Services Ltd. = £1000 - assume this is the PPI company/underwriters? Endeavour Personal Finance Ltd. = £5808.68 - first loan settlement balance My nanna and grandad got the rest = £4028.32 I have the original letter from Endeavour with the settlement figure calculation Balance of loan principal outstanding £5472.56 Notional interest to end of agreement £1651.54 Total repayable before deducting rebate £7124.10 LESS rebate £5808.68 I have all the paperwork including credit agreements, both loans had the PPI box ticked already single premium for both. They were both regulated by the consumer credit act 1974. I have most of the statements as well I wrote to Endeavour and Ocwen quite a few months ago to ask for the original application form to try to establish if ocean finance added the PPI on or if it was added onto the credit agreement from endeavour and ocwen. And also I wanted to know the name of the underwriter of the insurance. I never got a reply from endeavour, that is possibly because I sent it to the wrong address I'm not sure. But GE Money (new name for Ocwen) replied and they had this to say. Unfortunately as the account was redeemed more than six years ago, we no longer hold the files. However, there was a payment protection policy taken out on this account for £1000. We do not hold any other details. My questions are: 1) Who do I contact re PPI refund, as Ocean Finance are no longer trading. 2) What information do I send to them with the claim, do I send the original paperwork copies? I know that the FOS have no jurisdiction as it was from such a long time ago and I believe they were not regulated by them at the time. Is there any point in filling out the FOS questionnaire if they cannot do anything about it? Any help is appreciated, I have seen other peoples responses from these companies and it doesn't look good, so any advice on how to approach this would be great. Thanks, Abbi

Hi everyone I am a newbee to this forum. I have been reading your threads about sspl and could really relate to them. I got a personal loan against my home in 2006. I was told I had to have ppi, however when my ex husband was made redundant we were not covered. I have been trying for years to claim back the money which is over £10,000. everyone just passes the buck. I have got a customer copy of the loan agreement. I have wrote to sppl who claims it is the brokers responsibility who has gone bust. any advice please? Thank You