poc for ppi are there any templates??

[oggy1]

hi, having got my credit card charges back, refusing to supply the cca and wont agree the account is in dispute , i am going to take them to court for the ppi charges plus interest etc, then for the account to made uneforceable.

i cancelled the ppi in march 2005 because of a car accident and could not work for 6 weeks. thats when i found out the ppi was useless.

does anybody know about claiming compensation for the misseling of the ppi or would i have a case.
i have looked everywhere and cant find any poc's for misseling of ppi
thanks

[alanfromderby]

As yet there are no POC's, but you will find plenty of useful information in the stickies.

[tonycee]

This was refered to me when i was looking for a ppi poc.
dont quote me on it, but i hope it helps.
Tonycee's old thread
I guess you have to adapt/adjust, to suit your needs.
Good luck.
TC.

[oggy1]

thanks tonycee , very useful, will be adapting for my needs.

has anyone done or know about claiming compensation for the misseling of this ppi.
i cancelled it after 6 weeks of work in 1995 and tried to claim but found it did not cover self employed people.

[alanfromderby]

Have a look at the other threads - you will also see a successes thread. The important thing is to stick at it, and not let them put you off.

[tonycee]

Originally Posted by alanfromderby

Have a look at the other threads - you will also see a successes thread. The important thing is to stick at it, and not let them put you off.

Sound advice indeed.
Nice to see you back again Alan.
They gave me the absolute run around for months because i didnt take things seriously.
Do everything as per advised time scale.
Please learn from my mistake.
Good luck oggy1

[oggy1]

hi everybody,
just an update from my battle with mbna/ virgin.

have got a court date and had to send the court bundles of today as they have to be in on wednessday 27th feb, court date 16th april 2008.

mbna havn't supplied transcripts of phone calls and produced other documents as requested by the court directions.

i am going also to get them on failing to produce the cfa and compliance with the demands and if i win this on ppi i am then going for them on an unenforceable agreement.

any comments would be appreciated.

[oggy1]

recieved mbna court bundle today and i suprised that you cant read half the documents and the other documents are the application system snapshots from the computer, only one sheet has my name on .
no defence as such and just a witness statement from their corporate solicitor.

[hellhasnofury]

Originally Posted by oggy1

recieved mbna court bundle today and i suprised that you cant read half the documents and the other documents are the application system snapshots from the computer, only one sheet has my name on .
no defence as such and just a witness statement from their corporate solicitor.

Hello Oggy,

What does it state in their witness statement

[oggy1]

hi hell ,
having been reading the statement it deals with the application, and they show that it has been selected with a 1 in a box on my application which they say was clearly marked optional.then the paragraphs up to no 9 states that they sent me a form to fill in and sign and again this clearly was marked optional!!! they say.

paragraphs 9-14 they are saying that i was sent all the details and it was up to me to make sure i understood all the terms and conditions and i had 30 days to cool off and cancel if i wanted to.

[oggy1]

hi if anybody reads this , in the witness statement mbna have asked for a strike out for this part of the claim under cpr rule 3.4, so they are saying i selected it from the internet and did not cancel within the 30 days therefore i have no basis for a claim.

under the consumer credit act they have stated they do not understand my request for a credit agreement true copy, as they have complied with the required documentation.
the document they have sent to me does not have any of the prescribed terms on it.

[hellhasnofury]

Originally Posted by oggy1

hi if anybody reads this , in the witness statement mbna have asked for a strike out for this part of the claim under cpr rule 3.4, so they are saying i selected it from the internet and did not cancel within the 30 days therefore i have no basis for a claim.

under the consumer credit act they have stated they do not understand my request for a credit agreement true copy, as they have complied with the required documentation.
the document they have sent to me does not have any of the prescribed terms on it.

Hello oggy,

I have asked one of the mods for a second opinion regarding their witness statement asking for a strike out.

Sit tight

[oggy1]

hi hell , this is going on now , i really thought they would give in but they are fighting it.
only a month to court date.

they still have not sent the information requested on the aq.

[banker_rhymes_with]

Hello oggy1!

A Month is a long time, so there is still plenty of time for them to cave in.

Just keep building your case and if it does go to Court, you will be ready.

I think they go through the motions, as many people give in to their threats, bluff and bluster and so don't turn up, letting them win by Default.

Take it down to the wire, and see what happens. If they cave in, all well and good. If not, take the fight to them all the way. Any MBNA PPI bumf I dig up that can help will be passed on to you.

I'm watching this with interest, as I have my own Card Charges and PPI battles yet to fight with this bunch. However, round one has already started (no punches thrown as yet)!

Cheers,
BRW

[oggy1]

hi thanks brw,
keep asking them for transcripts of the phone calls which would screw them up for definate but they wont supply.
i will keep you posted but i am going to fight all the way to court if i have to.

[oggy1]

hi to all .
the big day is fast approaching.
i am in court in oxford on wednessday 16th april 2008 at 11.30am.
mbna still refuse to produce the credit agreement and say they are defending in court.

hope it goes ok !!!!