Do I do separate claims for each loan if same bank?

[Deleted User]

whatwasithinking wrote: »

Is it game over?

I'm afraid so.

whatwasithinking wrote: »

Is it worth trying the FOS or will they say same thing?

The Ombudsman cannot overturn a properly applied time bar. This seems to be the case from what you say...

-taff

The banks an a court case in 2009 so you cannot complain about historic charges, only if you are in current financial hardship and still bank with them.
I would send CL a CCA request. Again,go to the debt free wannabe board.

whatwasithinking

Thanks for you helpful suggestions I’ll post on the other board. The bank enclosed a copy of the credit agreement with their response so I presume the debt collection company will be able to use this too. I am in a long term DMP and when they applied the charges I was in debt crisis.

[Deleted User]

Moneyineptitude wrote: »

They'll likely supply a CCA if requested anyway,

whatwasithinking wrote: »

The bank enclosed a copy of the credit agreement with their response

That means they have it, of course.

whatwasithinking wrote: »

I’ll post on the other board.

The earlier debate about whether or not you'll have to pay is redundant if they have the Agreement.

-taff

Check the agreement contains all it's suposed to, again debt free board. They can also help potentially with other debts of your dmp is 14 years old...