Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
 Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
|
Do your Internet search here
Your Internet search-box
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | Do your Internet search here:-
Your Internet searchbox
|
Come and chat with us here (NB: External site NOT affiliated with CAG)
| | | CAG Announcements
| |
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file?
Check it out
| | | | | | | Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process. | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
12th December 2006, 14:17
|
#8 (permalink)
| | Basic Account Customer |  Re: LTSB PPI claim
Fingers are very much crossed!!
Issued a judgement yesterday but due to backlog, bloody charges grabbers  it wont be processed for another few days, giving LTSB a chance to acknowledge.
I have a mate in LTSB management he tells me they have a large dept for charges now and they are getting literally 1000's per week in claims.
And BBC current affairs prog (dont remember which 1) are doing a entire program on charges this week. I think its the 1 with scottish woman off Newsnight. | 
|  | |
12th December 2006, 14:24
|
#9 (permalink)
| | Basic Account Customer | Re: LTSB PPI claim
And for the person who asked, here is a copy of my N1. I nicked from someone else on this site, so I dont take any credit for it. Obviously changed a few bits to fit my situation and added/deleted bits.
PARTICULARS OF CLAIM
1. The Claimant had a credit agreement xxxxxxxxxxx ("the Agreement") with the Defendant which was opened on or around January 1998 and closed on or around September 2006.
2. At the time of undertaking the credit agreement, the agent acting on behalf of the Defendant misled the Claimant into procuring Payment Protection Insurance ("the Insurance") as part of the overall credit bargain.
3. The Claimant contends that:
a) Under Section 75 of the Consumer Credit Act 1974 the Claimant was misled and false information was given during the interview process on the day the agreement was made;
i) The Insurances sold to the Claimant were not defined nor explained and were not "optional" as laid out in the said agreement, the Claimant was informed that The Insurance was part and parcel of having a credit card. The Defendants agent misrepresented the fact that the insurance was compulsory, due to inexperience in financial matters at the time of the Claimant, this was taken at face value; the Claimant felt that there was no choice but to agree to the credit bargain.
ii) The Insurance was mis-sold, as the Claimant was employed at the time in an industry where redundancy is unheard of, the Claimant’s employers operated a policy of death in service benefits and sickness policy of such a generosity that any insurance would have been wholly unnecessary;
iii) Furthermore the Claimant in February 2002 commenced self employment and the Defendant was made aware of this, no attempt was made by the Defendant to ascertain whether The Insurance remained valid or indeed appropriate to the Claimant’s circumstances.
b) The Claimant contends that the agent for the Defendant was fully aware of the Claimants circumstances and fraudulently passed incorrect details to the insurer to obtain these same Insurances from the insurer. The Claimant believes this grossly contravenes ordinary principles of fair dealing.
c) If the Court finds that incorrect details were not passed as a result of fraudulent behaviour then the Claimant contends that incorrect details were passed to the insurer through the Defendants’ agents’ mistake as to facts.
d) The Claimant further contends that if the Insurance was applied correctly, that the Agreement was not executed in accordance with the Consumer Credit Act 1974;
i) As the Insurance was in fact a charge for credit on the Conditional Sale Agreement, it could not also be part of the credit on the additional insurances agreement as under section 9 (4) CCA credit charges cannot be treated as credit even where time is given for their payments
ii) If the Insurance was not a charge for credit in respect of the Conditional Sale Agreement, as it was compulsory, it was a charge for credit on the additional insurances and under section 9 (4) CCA credit charges cannot be treated as credit
iii) For the reasons stated in either (i) or (ii) above, the agreement for additional insurances failed to state the correct amount of credit and did not comply with paragraph 2, schedule 6, which requires that regulated agreements contain as a prescribed term stating the correct amount of credit
iv) The agreement for additional insurances was therefore improperly executed under section 61 (1)(a) of the CCA.
4. Accordingly the Claimant asks:
a) The Court finds that the Defendant acted in a way grossly contravening ordinary principles of fair dealing and reopens the credit bargain to perform restitution to rectify the unjust enrichment performed, to the detriment of the Claimant by the sum of £xxxxx by conferring a benefit under an ineffective transaction.
b) If the Court is unable to perform restitution, then the Claimant seeks damages of £xxxxxx by virtue of the Defendants agents’ actions, be they fraudulently or mistakenly, in obtaining the Insurances which offered no benefit to the Claimant.
c) Alternatively, the Claimant seeks damages of £xxxxx in regards to the Defendants clear breach of the Claimants human rights as prescribed by Article 1 of the first protocol of the Human Rights Act 1998 whereby the Defendants actions did cause the Claimant to suffer personal loss to the sum of £xxxxx.
d) Court costs;
e) The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from various charging dates to 16 November 2006 of £xxxxx and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxx per day. | |
| | |
5th January 2007, 19:39
|
#18 (permalink)
| | Basic Account Customer | Re: LTSB PPI claim
Quote:
Originally Posted by reidnet  I think most of the courts are a bit busy with claims just now... I know Dundee court is quite busy processing claims so there can be a bit of a dely. |
good lokk and please post me your ppi letter for lltsb | |
| | |
