please please help - ppi

[mummyemma]

A few months ago we appeared in court against yes car and their lovely PPI. Basically we had a car which we VT and they said we still owed them the ppi. The case got thrown out by the judge as the particulars of claim were incorrect. She gave them 2 months to refile them and the process would start again. Yesterday I recieved a letter from what was GOLDs with ammendent particulars of claim. Now I havent recieved new court documents yet, guess they are on the way.

But the letter confuses me a little cause doesnt actually say what we did wrong. It states we VT the car as allowed in our agreement, and it states that we had the outstanding insurances to pay but it doesnt actually state we broke any agreement with them. Please note we knew nothing of paying back these insurances until court papers turned up on the doorstep. Now I know I need to wait for the court papers and when we do the judge told us we must defend and was saying things about FSA or something along those lines.

But to be honest am I wasting my time and should I just pay them?? We believe we were mis-sold these insurances on 2 counts 1 my husband job at the time was only probabtionary and before that he had been temping (which we can prove) and 2 were told we had to have the insurnaces or we cpouldnt have the car. My husband wants to put in a counter claim. Im 6m pregnant and really dont want the hassle of all of this but I dont have the money to pay them. I have an appointment to see a solictior soon but I wonder if anyone here can please please please help.

I have spoken to consumer direct who said we have a claim for mis-representation but at some point I am going to have to write a defence and I dont have a clue. I would really be grateful for any help.

Oh I dont know if this helps but we never recieved any insurance documents from yes car


Many thanks
Emma

[itsmeandonlyme]

Hello Mummy,

i would advise you to wait... Do not pay for anything you did to have agree to have..if they missold it to you, CCA them and ask for the copy of the properly executed agreement and than we can check if you ticked/signed PPI...

They do not have a ground to stand on....

Regards,


itsme