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    • sounds pretty typical. scan everything up to ONE multipage PDf please follow upload we dont need any statements. dx  
    • Participants can get £50 - but must permanently consent to the retailer using their personal data.View the full article
    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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mis sold life insurance help needed


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Hello

 

in 2004 I brought my first home and arranged a mortgage with a borker alexander hall associates ltd , they found me a mortgage with abbey and they said I had to take out a life insurance with scottish provident other wise I wont get the mortgage, so I agreed. in 2006 I ended the insurance because I realised I had 5 life insurances any way and why did I needed a 6th one. infact my job covers me for death and pays alot of money .

but this broker never took in to the account that my job covers me for life insurance. i paid 38 pound a month to this insurance for no reason because i was forced to take it. today I looked at the letters i had and it shows that the insurance company paid the broker £646.93 to set up the insurance.

 

can I claim this money I paid to the insurance back or is there anything else I can do please advice me . Many thanks

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

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it also states on the policy PART OF ABBEY NATIONAL GROUP , can this be the banks PPI ?

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

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I have just spoken to scotish provident who confurmed that they where part of ABBEY in 2004 and this agreement was a PPI. i never knew .

do I take this up with ABBEY and how , I am wating for my mortgage documents to come , should I wait for this first

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

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I spoke to abbey today about the insurance they stated that the insurance company had nothing to do with them , i pointed out that in 2004 this company was owned by abbey . they turned around and said no , well on the letters I have it says ABBEY NATIONAL GROUP . the lady over the phone stated that I have to make the complaint to the broker who originaly sold me the PPI and it has nothing to do with the bank . is this true please help

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

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Hi there.

 

Sorry to hear of your troubles here.

 

Regarding this situation I have no idea what to advise here as such but sure someone will come along soon and advise you on the best action to take from here.

 

I wish you luck in your case, they are a great busy helpful lot on here and will help and guide you as best as they can as soon as they can.;)

 

Fingers crossed this will be resolved soon.

 

Good luck.;)

 

Di.

x

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hello govetepe,

 

Hello

 

in 2004 I brought my first home and arranged a mortgage with a borker alexander hall associates ltd , they found me a mortgage with abbey and they said I had to take out a life insurance with scottish provident other wise I wont get the mortgage, so I agreed. in 2006 I ended the insurance because I realised I had 5 life insurances any way and why did I needed a 6th one. infact my job covers me for death and pays alot of money .

but this broker never took in to the account that my job covers me for life insurance. i paid 38 pound a month to this insurance for no reason because i was forced to take it. today I looked at the letters i had and it shows that the insurance company paid the broker £646.93 to set up the insurance.

 

can I claim this money I paid to the insurance back or is there anything else I can do please advice me . Many thanks

 

I am unsure as to whether anyone could help on this forum as it is for PPI reclaims.

 

I have looked for other forums that maybe able to help without success.

 

Maybe a member of the site team could help?

 

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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My understanding is that you need to pursue the Broker for misselling. Have you checked that the life insurances you had covered everything that the other policy you took out through the broker covered?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I spoke to the ombudsman today they stated they will write to the broker demanding my money back lets see what happens

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

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  • 4 weeks later...

recaived a letter from the borker who thinks they have done their job proparly , drafted a letter and sent all my proofs to FSO. Broker also wrote on his letter this case is not under FSO juristiction therefore you need to get legal advice.

 

well letter with the proofs sent to fSO they did not come back to me to say they wont deal , I will be so happy if they do cus cannot wait to see the face of the person who wrote me the letter from the broker when they find out infact it is under juristiction hehehe.

 

I have proof clearly shows that life insurance was part of the mortgage infact its on the fact sheet the broker gave me years ago lol.

 

it also says on one of the Brokers letters which was sent to me years ago that some lenders will charge fee if I dont take up life insurance with them surely this is a clear indication that I was bullied in to this agreement.

 

On their nastly letter it also mentions that I failed to let them know that I get 1 year sick pay and large amount of money when I die from my employer , well they had my payslip that clearly shows Statutory Sick Pay and life insurance lol

 

well they have no leg to stand on 4 years of premium of £1.812 and 8% interest .

 

I will take them to court if need being but lets wait and see what FSO going to say .

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

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