HI I am a new to this so please can you give me any advice with my problem. Below is the letter which I sent to claims department after they sent my tv back unrepaired, and after todays phone call I find out that they wont repair it at all due to me neglect. PLEASE HELP ME THANK YOU Dear Sir/Madam I am writing to appeal your decision not to repair my television. I am very dissatisfied with your “Whatever Happens Premier Club” and the decision to not repair my Samsung television based on the supposed damage caused by neglect, abuse or misuse. Your monthly agreement was sold to me on the basis that I would be covered for breakdown caused by mishaps, which was the reason I originally invested monthly into your Premier Club service to be covered. Written below is a full explanation of how the accidental damage occurred and the events that followed. On the 10th November 2013 me and my partner was in the rush and full of excitement finishing moving our belongings into our first newly bought property. Our television was in the car so I lift it up and very carefully tried to bring it upstairs to make sure not to damage any walls or anything else in the way as it very bulky and heavy. In doing this I removed the TV stand to make it easier for me and started to take the television upstairs, however, about two steps from the reaching the top of the stairs I missed the step lost coordination and could not hold onto the television which continued to fall hitting stairs until it hit the ground with the left hand side of the television. The most damaging impact was on the bottom left corner of the television where all the inputs and outputs are located, causing damage to the exterior casing and metal body as the full force of the impact was felt there. As I mentioned above the television continued until it hit the ground floor, it did get caught banister and staircases steps on the way down but I couldn't see any noticeable damage to the property. The first time I rang the “Whatever Happens Premier Club” on the 11th November 2013 first question I asked what I need to do first report damage or change my address and gentleman on the phone told me to report damage first and after that he will change my address, after that I explained everything what happened to the gentleman on the phone, he wasn't too interested in what happened and made a very unpleasant remark saying “for me it looks like an angry customer dropped his TV”. However, I did explain the damage to him and he arranged for the television to be picked up on the 12th November 2013 and I was told that guys will come with the secure case or box and will put my television inside to make sure it won’t be damaged anymore and they will leave me a copy of collection note, I have also asked for a loan TV as I am Whatever Happens Premier Club policy holder on that he told me what at the moment they don’t have one and when it will be available he don’t know so he put me in the queue for it but I never get a call back saying that there is one available and when it will be delivered to me until I received a call from customer service that my television coming back unrepaired. When the television was picked up on the 12th November 2013 delivery guys came bare handed no secure case nor any other secure packaging as I mentioned above they just grabbed television asked my partner to sign on the dotted line and walked away talking with each other to wrap it or not on what one of the guys responded don’t bother it’s a definitely will be scraped after that they just chuck it on the back of the truck and drive of. Moreover when the television was delivered back to me on the 17th November 2013 I made sure that there was no other damages except those on the day of collection and after detailed check I have noticed what television has been disassembled, the front frame was held by two screws only, the back wall has been pushed in and the screen itself has two places where significant force has been applied to it. All of above I mentioned in the telephone conversation with the customer service after receiving television and trying to get some explanation why they refuse to repair my television, as there was no letter or any engineers report explaining it which I was expecting to receive with the television. From the little information I have received from customer service team is they think the unexplained damage was due to my neglect, abuse or misuses of the product, however I did mentioned everything what happened on the phone when I originally rang “Whatever Happens Premier Club”. I was not misusing, neglecting nor abusing the product in anyway. It was just an unfortunate event that should be covered under the breakdown by mishaps agreement in your Whatever Happens service due to accidental damage, which I agree to purchase on the first place. I would like to request the report under the Data Protection Act 1998 from the engineer, showing his assessment of my television and how the damage on the television differs from the report I have given. Under the terms of the agreement although you can withdraw your service if there is evidence of misuse, abuse or neglect, I would like to remind you that I require you to prove it first. I would also like to add that I currently have other products under the similar agreement and I am thinking of cancelling them if you acting in such unfair way and make me feel like a criminal. Please would you get back to me as soon as possible with this issue because the Christmas will come soon and I really looking forward to spend a good time with my family in our first new home and would like to get this small problem solved before that. This means I would like the television to be taken and repaired if possible if not then replaced, as I originally did pay a lot of money because of its good reviews and reliability, also I would like to receive a loan TV for that time. I am expecting a very good service level from your company and I am expecting a response from you within 14 days before taking any further actions. I am sending this letter via recording delivery for the purpose of proof it has been received.

I have an RBS credit card account, but no valid card. I fell behind with payments some two years ago following redundancy, and an inability to get a new job. My savings are exhausted. RBS say 'if you are having financial difficulties, call us' but all I got was cold people on the other end, saying 'we don't negotiate on the interest'. The debt is not astronomical - it is about £3,800, and I was paying through my bank on DD. I can no longer afford to do this. Does anyone have any idea why RBS simply will not work with customers who are in trouble? The worst thing? They removed my ability to pay on-line, and I was seeing some real progress there. It's like because they have been helped out, they don't care about anyone else. Has anyone has successful dealing with RBS, and found them helpful and friendly (unlike my experience)?

I really can't believe I'm having to ask this but here goes. An elderly relative has decided to move from their house which has become too much for them into sheltered accommodation and tasked me with clearing the house and putting it on the market. I'm obviously filling the bin and the council are refusing to empty because the house is unoccupied. Said relative is now paying council tax for both properties and more for the house than when they lived in it because the single occupancy discount has been transferred to the new flat. Can they really refuse to empty the bins? I'd understand it if they chose to allow some temporary relief in such circumstances but this council doesn't.

This is on behalf of my sister, I'll keep it short but the story is as follows; my sister split up from her husband 18 months ago, my sister remained in the family home with their 2 children, she wasn't working at the time, but following the split she was forced to claim benefits as her husband gives her money for the children, but nothing else. Therefore since the split he has not paid any of the mortgage or any of the bills, he now lives in another property with a loan he took out. As my sister couldn't afford the mortgage repayments alone I advised her to ask for the Halifax to put her onto an interest only mortgage until she decided what was happening. She then received income support and child tax credit, together with some housing benefit which meant she could meet the monthly payments. The mortgage is for £110,000 the property was last valued at £180,000 so she has equity in it. She has since found a part time job so now receives no housing benefit Halifax have now told her she must return to paying her full mortgage repayments, they refuse to allow her to remain on an interest only mortgage. She informed them she wishes to sell the property (marriage is over) but the house requires some building work finishing that her husband started, before she can sell. The refuse to help her in any way So she has today asked the following Can she extend the term of her mortgage to 25 years - they said no Can she put the mortgage back onto interest only until she sells - they said no Can she apply for a holiday from her mortgage - they said no She called me and was very upset, I told her to call them and ask for an appointment at the branch and I will go with her. I'd read some info on the Council of Mortgage Lenders Website about their members offering all avenues to help out their customers. So she rang them back to make an appointment, the manager at the branch has refused to give her an appointment!!! Told her she has to ring up and there is nothing they can do anyway!!! I'm furious! So they will force her into arrears despite her informing them of her difficulties and then repossess her home!!! I've since been onto Halifax's website where you can make an appointment online to go into your local branch about your existing mortgage! So I'm unsure of exactly what is going on! Any help please???

Hi All. We've had an on-going debt issue for about 6 months now due to a drop in income for my wife and I. My wife has sorted out reduced payments with Barclaycard and Creation for 2 credit card accounts, both have kindly accepted temporary reduced payments of £10 and £30 and all but frozen the interest. The issue we have is with a third account which is storecard type account (Shop Direct) charging 39% interest. We have from the start offered a £50 reduced payment but they just seem to ignore our requests. Isent 2 letters (recorded) in March and April both asking for help with the usual threat that if they don't help we will reduce the payment to £1. I've also asked for all correspondence by letter to maintain an audit trail. Nothing comes back, except endless bills adding almost £200 per month on now as the debt was originally around £2k and has not grown well past £3k. I thought I'd have a third and final attempt in August so i sent another letter complaining about their lack of responses and threatening to report them to the FOS if they didn't respond, i also included copies of all of the other letters sent and delivery receipts, and even copies of the 2 temp agreements from the other 2 lenders, and also a copy of the income/expenditure report we'd used for the other lenders. I did get a reply back dated 27th August, this time from NCO Europe Ltd stating that the matter was being investigated and that we would receive a full and detailed response once the investigation is complete. We've still not heard anything ... I had also put the following in the last letter "I also request that any penalty charges imposed since 28th February 2013, when I first wrote to you asking for help, are removed immediately, along with any interest charges." I know that the penalty charges are unlawful and i can strike these off the debt, but am i within my rights to demand that the interest be removed as they failed to assist us for the last 6 months? I'm worried that the debt will just grow and grow even if they accept the £50 payments. Is the interest likely to be enforced ? I've read a fair bit about the legal processes and I've seen that if it becomes a CCJ the interest will be effectively frozen (there is nothing in the CA stating that interest will be added after judgment) but is there any way to force the interest to be frozen whilst we try to pay the debt off ? can i actually report them to the FOS or some similar authority who would assist me in freezing the interest to allow a realistic way to pay the debt off ? can we force a CCJ somehow ? I'm waiting eagerly for the "results of their investigations" but i fear that it's just another stalling tactic whilst they pile more interest onto the debt whilst ignoring our requests for help...

I am on an 18 month mobille phone contract with 3 mobile. I am now today at the end of 17 months into my contract, And wish to leave 3, Can I ring them now and give them 30 days notice, Or do I need to send a letter. Or do I need to wait untill the 18 month is up. Thanks.

Hi all, long time no post, hope all are well? My better half has had a freemans account for more years than she cares to remember. Has used it very little over the years, but never had a problem, that is until now. They owe her money, not much in the global scheme of things (about £20) but significant to her. They are refusing to pay her until they owe her £25 - is this right? - can they do this? Regards

Hi All, Some time ago we wrote to the Halifax in relation to PPI claim on the old credit card, after waiting and waiting they jave now confirmed in writing yep tehy refuse to comply stating lots of rules. I have scaned and attached the letter sent from the Halifax can anyone please help as it looks like the letter is standard refuse letter. Can anyone take a look at the letters, and what should we do now cheers

Hi again everyone normally I'm doing the halifax or HSBC. I recently discovered that my wife had a credit card with the lloyds TSB I searched through the statements that went right back to 2003.( I had these because I tried to get the bank charges back some years ago on it....remember those days boys and girls.?) Sure enough there was the PPi all dressed up as CARD HOLDER PROTECTION PLAN. Now at that time when my wife went to them for the card she was dealing with or helping her mother to sort out her accounts with the LLOYDS TSB. She asked for a card for herself and it was agreed (Remember those days of banks dying to get you into debt so that they could rape and pillage your finances.??) she could have a card. We didn't even realise that this PPi was on the account until I looked at the statements last November.......since then we had a letter saying that they were looking into it ,then a letter saying they required a further 8 weeks to sort it out, then a phone call askinig if she had ever had a savings account with them (what the hell that had to do with it I don't know.Then we had another call asking us to confirm that would someone of helped her with the payments and was she working at the time >>>? well DER look at the questiuonaire you foreign numpty that we could hardly understand. As it was, my wife wasn't working at the time and this would of been clear in the application for the card. Now lloyds have written back sayinyg that they can not see anything in the miss selling of the policy to us that that a booklet with the Ts and Cs was handed over etc..........now surely if it had been made clear by there sales person that due to my wife not being employed at the time and she has always been a housewife that the PPI was not suitable because she wouldn't of been able to claim on it, then I'm sure we would n't of said "oh no please put it on so it costs us more but its worthless." Do we now go back and say at the point of sale this sales person new my wife's circumstances and still proceeded with the sale A) we didn't ask for it and nor did we realise that it was on the card B) Why did they put it on the card know it was worthless to my wife as she wouldn't be able to claim on it due to not being employed.......... its all well and good the sales person ticking boxes at he point of sale then flashing through it to get the signature but iI believe we were genuinely miss sold this on the card my wife isn't fully ofay with figures anyway she doesn't know the difference between 3000 and 30000 so she wouldn't of known anyway. HAS ANYBODY ELSE HAD A PROBLEM LIKE THIS WITH LLOYDS.....THEY'RE SAYING HE'S INVESTIGATED ALL SIDES AND CAN'T SEE ANY FORM OF MISS-SELLING.( ) ANY HELP ANYONE REGARDS NIGEL 1804:-x:-x:-x

Hi Long story short: In November my last year Mrs Rasher agreed to bail my son out of a payday loan. She actioned this by paying the outstanding balance on the account using her joint account Visa Debit card. Yesterday we noticed an odd transaction on our bank statement. It was £200 paid to this payday loan company in mid February. This was not authorised by either of us. Natwest were advised this morning that this was an unauthorised transaction. They have said they will take no action - basically saying that we have an agreement with the payday loan company - needless to say we do not! I am a tad annoyed about this. What should I do next? What are my rights? Thanks BaconRasher

Hello, Well I really dislike Paypal, awful customer service, random money holds, closing accounts for no reason, confiscating money for 180 days, and I could go on. They seem above the law, but this really annoys me, I am essentially being told I have no right to ever leave pay-pal, So I will forever be bound to their agreements, however they are changed. They have sent me their updated terms, which basically add even more powers to Paypal, including sharing information with everyone on the planet. so it says if you do not agree with these terms, close your account.. So I go to do this, and I am told due to my limitation (which was for no valid reason, but that is another story) I cannot close my account until I have fully restored my account access... but paypal make it clear they will never restore my account. This can't be legal? Surely consumers should always have the right to close an account, and to refuse to accept new terms. there are also no ebay sales or any transactions that could be reversed or pose any risk in that sense. This must be illegal and abuse of a loophole on so many levels? ... instead of closing an account they put it into indefinate limited access. what can be done? To add insult to injury, they won't even let me ask on the official forum, since they have limited the account. Talk about suppressing peoples freedom. Really hope these cowboys are held to account, So annoyed with what they get away with, CAG should not use them to accept donations on principle of what they do to people (look it up online literally millions have been conned) there should also be a webwallet section. Thanks https://cms.paypal.com/uk/cgi-bin/?&cmd=_render-content&content_ID=ua/upcoming_policies_full

Hi everyone, we currently owe rossendales for council tax the bailiff has been round but we havnt let them in or signed anything etc we paid £100 over 3 weeks as my partner did lots of overtime but now it has finished we have offered what we can afford which was £50a week but he refused and said it has to be £80 or one of US will go to prison obviously we don't want this to happen but can't afford 80 a week can anyone give me any advice on if they can do this thank you x x

My family have been put through HELL due to the actions of AVIVA INSURANCE, [see below], so I recently contacted my bank HALIFAX to beg them to refund the last 5 years of bank charges based on their moral obligation to offer a duty of care and help a long standing customer and his family, who have been seriously financially disadvantaged due to the actions of AVIVA INSURANCE over the same period of time. I contacted my branch manager, who knew our full history and who was fully aware of our long standing predicament and was sympathetic, but she explained it was out of her hands. Halifax head office confirmed on Friday 14th December 2012 that they would not refund any bank charges because they were legal and part of the T. & C.'s of our account. They explained they were sympathetic to our situation but the answer was no! I explained that our long standing stuation is extraordinary and my family continue to suffer, but based on my belief that our 5 year fight against AVIVA INSURANCE will soon receive the full glare of media attention, [our story and my film 'SHAFTED BY AVIVA INSURANCE!' is being considered by a number of UK newspaper and tv media outlets], I suggested that it would benefit The Halifax greatly to refund these charges, thereby supporting a family who have been 'SHAFTED BY AVIVA INSURANCE!' They reiterated their decision...NO! 'shafted by aviva insurance!' youtu.be/KWn8G9L21z8 'SHAFTED BY AVIVA INSURANCE!' [You Tube] One man fights to protect his family and his home against AVIVA INSURANCE! After 5 long years of fighting AVIVA INSURANCE and with Christmas 2012 almost upon us, our home remains in a ruined state, my family continue to suffer and AVIVA INSURANCE continue to callously ignore our long term water damage building insurance claim, repeatedly proven by numerous independent expert reports! Please watch the film and spread the word!

Our road was recently adopted, but as part of the adoption process the council insisted on the dropped kerb next to our drive being replaced. There used to be a 40mm lip on the kerb, but the council wanted a kerb that is flush with the level of the road. The problem with the new dropped kerb is that the camber of the road means that water is now directed down our drive and into the garage rather than to the drain in the road further along. The garage flooded earlier in the year, so I phoned the council and asked them to raise the kerb to prevent this from happening again. I first phoned in July and was told that someone would inspect the kerb and get in touch. I phoned the council every month and was assured that someone would get back in touch, but no one ever did. Last week after particularly heavy rainfall, the garage flooded again, but it also came through the connecting door into the house. There has been substantial damage to the ground floor of the house. Neither the house or garage had ever flooded prior to the raising of the kerb. My husband wrote to the CEO of the council explaining the situation. She replied telling us that the kerb had been inspected in September but was not considered a high priority and with the current economic climate they didn't have the money to do it. Can we claim any compensation from the council?

The Halifax are refusing this PPI claim on the basis that the customer said he shouldnt have taken it out as there was no reson for it and that he had paid a lot of money for it without no need. He has replied to Halifax and said that originally the PPI was never explained to him so he didnt know what he was taking out and therefore believes it to be missold. They are still not budging. Should he just give up?

Ongoing issue with Cap 1 thought was resolved ages ago..... I've had threads relating to it before here but it is still not finished! Briefly, had Cap 1 loan with PPI added + interest. All paid except a portion of PPI that I refused to pay when I realised it was useless (self-employed). A/c in Dispute. May 2008 took it to ombudsman. Oct. 2009 result - PPI must be refunded + interest. Cheque rec'd for balance after witheld part of PPI deducted. Aug 2011. Saw CRA report. Default showing from Cap 1 Nov 2008!!! No wonder my score was crap. Referred case back to ombudsman (who had ordered the loan be reversed to how it would have been without PPI being added - it would have been in credit!). Aug 2012 Ombudsman ordered Cap1 to remove default and pay me compensation (punitive, but something). Chq rec'd 4 weeks later. Default removed from Experian. But not Equifax. They are refusing. Ombudsman told Cap 1 again to remove Default. Still refused. Even though I sent Equifax a scan of my letter from the ombudsman and various emails between us proving that they must. My plan is to send a LBA to Cap1. 3 questions if anyone can help, please:- 1. The correct address to send the LBA to at Cap 1. The last address I had was in 2009 - has it changed? Cap1 PO Box 6750, Nottingham, NG2 3YA. 2. Because this has impacted my family life seriously, how do I calculate it in terms of compensation if/when it goes to court? The main thing was re-mortgaging. We had to get a buy-to-let mortgage on our property in order to raise funds to buy another house for us. Because of my 'bad record' I had to have my name removed from the deeds on OUR house we were renting out. The new mortgage was put in my husbands name only. The new mortgage for OUR house had to be in my husbands name only, too. 3. Does 'defamation of character' still apply these days? I certainly feel I have been discriminated against.

I contacted Virgin via email(couldnt understand anyone on the phone,neither could i get through with any great ease) to cancel my phone broadband and tv services... I said i would pay august bill and that was my notice and assummed that would be it...... I paid august bill and left to go overseas for a family visit and just returned to find the virgin is all still connected and i have a bill of £151.. I will not pay it i have the emails cancelling the service...... I have emailed the CEO and dont know what to do now... Any advise would be appreciated thankyou

I was looking at a buying a car over the internet from the organisation called Randles based in Stafford. I saw the advert on Autotrader and made an enquiry with the garage to ask for specific finance terms. After some time the garage appeared to come back with finance that was affordable and I paid a £50 at this stage on the basis that the finance was as I requested. After being passed to a second salesman I learnt subsequent that there were additional charges. I was told that these could not be changed. I requested that the order be cancelled and my deposit returned. I gave this request within 24 hours of giving the deposit. I have sent many requests since, quoted "Distance Selling Regulations" with seven day cooling off period and have referred the matter also to Trading Standards. Randles Stafford are adamant in their stance and are refusing to return my deposit. The company say I would be entitled to use the deposit I gave them against another car, but quite frankly after experiencing this company's arrogant attitude I would rather dunk my feet in a pool with piranha fish instead. I would just like the return of my deposit. Can anyone offer further advice?

Ive had a notice of baliff attendance today from Rossendales for just over £2000 for unpaid council tax, despite having sent back a payment offer to the council (which they say they received too late / outside the 14 days on the request for financial information form). I've had a bit of a browse through the forums here and many people have mentioned not having to deal with the baliff at all and just dealing direct with the council, and this is how I'd like to proceed, starting with giving them an initial payment now. I've already tried calling the council and the call centre girl just said it had gone to baliffs and i would have to deal with them now. What is the best way of going about this and notifying the council / the baliff that this will be my course of action ?

Hi, I hope im writing in the correct forum. I wrote to Freemans because I had PPI with them for quite sometime and I think it was mis-sold. They wrote saying they would get back to me within 8 weeks. Eight weeks later I received a letter saying they would not further discuss matters as I have contacted them before regarding the PPI. I have written back but they simply resent the letter. What should I do now? I want to quote which legislation applies (if it does), so that I can sort it with them rather than taking it to an ombudsman. Any help is appreciated. Thanks

http://www.bbc.co.uk/news/uk-19598492

Hi I received a refund from barclaycard of £312 on 31st August 2007, for overlimit/late payment charges. I had written to them again recently to get a refund of charges since then, and this time i got turned down. They said that the £12 charges comply with relevant legislation and guidance, and this is a final response to my complaint. Whilst i can understand them saying the £12 charges comply with relevant legislation, this was also the case the last time, yet they did refund the charges then. I'm a bit confused by this and not sure what my next move, if any, should be? Any advice anyone?

Hi there, I bought a 2nd hand car in Robins & Day in Hanwell. It is a Peugeot 207 dated from 2007 and 30000miles, early June. Within the first 2 weeks a bunch of issues came up, 3 small ones and 1 big one. The procedure took over 2 months and I was told: -The 1 year warranty doesn't work because the warranty people say that the problem was there when I bought the car -The sales department refuse to pay because the problem wasn't there when i bought the car. I paid this car £6000 and I did not cause those problems. Why should I be paying for it? The funny thing is, the warranty accepted to cover 1 of the small problems, the sale department 2 of the small one and of course no one want to pay for the big one. And the 3 small problems have only been fixed yesterday. Meaning it took 3 months for them to do something. Now I want to fight the fact that they refuse to fix the biggest problem, which, I am sure, the more I use the car, affects the rest of the car and will cause other parts to fail soon. Any suggestion?

Hi I recently SAR'd Halifax to get my old credit card statements, this account has been in dispute for years due to them not having a CCA. I still keep getting threatening letters from DCA's so I am now going down the charges route hoping to pay this off. I sent a SAR request and £10 but they have written back saying they cannot do this without a valid signature. Obviously I do not want to provide this as they may fake a CCA so how can I proceed? Regards

Good afternoon all, I had some good news with my Lloyds/TSB claim recently (won £8,800) but more predictably some Banks are not being quite so obliging . . . . I foolishly sent a PPI request to Egg back in April without first requesting an SAR. I was unsure as to who to send the request to Egg or Barclays so sent it to both and Egg replied in late May. Barclays have not replied to any of my letters, though Egg have. Their refusal was for the following reasons - * No requirement for me to take PPI as a condition of obtaining the Egg card, * Egg do not provide an advisory service, * I was required to positively confirm I wished to take out this policy (I don't remember this!) * Full Terms and Conditions were provided. Belatedly I thought it best to send for an SAR to test the above and provide details of how much I have claimed if I need to take things further. Yesterday Egg provided me with a reply - Your request for a copy of an Egg CreditAgreement Dear MrTenmen Thank youfor your recent request for an executed copy of the credit agreement foraccount number xxxx xxxx xxxx xxxx with Egg Banking plc under section 78 (1) ofthe Consumer Credit Act 1974 As theaccount you refer to is now closed I have to inform you that Egg are under noobligation to comply with a request for a copy of the executed agreement underthe Consumer Credit Act as we no longer have a contractual relationshiprelating to this account, nor are we seeking to enforce any agreement on theaccount. The right tobe provided with this information from Egg Banking plc ended with the closureof the account. Section 78(3) (a) of the Consumer Credit Act states that section 78 (1) does not applywhere ‘no sum is, or will or may become, payable by the debtor.’ The right torequest an executed copy of an agreement is found in Part VI of the Act, whichis entitled ‘Matters arising during currency or credit or hire agreements’, sowhere an agreement is no longer current the right to request or be providedwith a copy of the executed agreement therefore ceases. Yourssincerely Steve Birkinshaw Head of transaction Services UK Consumer I thought I had read something similar somewhere on here on CAG but I can't seem to find the thread/s. Am I right in believing that this is wrong? If so, what next? Is there a template letter for following this up or am I best going straight through to the FOS or Court? Its annoying that Egg have a pretty bad reputation regarding PPI mis-selling yet are seemingly allowed to follow the same practices at refusing particularly refusing an SAR which I believe I am legally due should I pay the £10 (I have and they've not returned or cashed the cheque). The SAR letter does quite clearly say Data Protection Act 1998 Subject Access Request not Consumer Credit Act 1974 which they are quoting, deliberately I would guess. Any thoughts, further reading? thanks Tenmen10 PPI Reclaim cases; Halifax Credit Card - WON - £295.00 Lloyds/TSB Loan/s - WON - £8,865 MBNA Virgin Credit Card - WON - £487.00 RBS/Style Store Card - OFFER MADE - Awaiting SAR as offer seems too low! Barclaycard Visa & Mastercard - 2 LETTERS SENT, NO REPLIES RECEIVED. Researching claim, due to contact fos. Egg Credit Card - CLAIM REFUSED - Non-advised sale, PPI not required for sale, full T&C's provided! - Awaiting SAR Santander Burtons Store Card - CLAIM REFUSED - Telesale, advisor explained main features, PPI chosen - AWAITING SAR Santander Debenhams Store Card - CLAIM REFUSED - Tick for PPI on Agreement, I didn't, 30-day review, non-advised sale - AWAITING SAR HFC - Loan for TV Purchase - Awaiting claim reply CitiFinancial - Loan - Awaiting claim reply