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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Capital bank PLC Credit Care PPI


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I took out a loan in 1999 with credit care and paid loan back early and had to pay back £3000 on top of loan as told PPI was a lump sum.

 

can anyone suggest any action i could take. i have credit agreement here that i can scan and post.

 

it says advance: A £ xxxxx

 

credit care B £xxxxx

C £

loan (a + b + C) d £xxxxx

total charge for credit e £ xxxx

total amount payable (d + e) F £xxxxx

 

the total amount payable (F) is payable by consequetive monthly installments as follows........

 

apr 12.8

 

 

you agree to pay the BLANK premium of £ BLANK which will be added.....

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you would need to prove the ppi was mis-sold, or have a look at the multiple agreements thread .

 

there are some good threads and things in the stickies to try and work this out.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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http://i134.photobucket.com/albums/q118/toysandclothes/img015.jpg

 

http://i134.photobucket.com/albums/q118/toysandclothes/img016.jpg

 

Could someone please let me know what they think of the agreement. its my copy of the agreement do i need the one from them?

 

does anyone have an address for capital bank PLC?

 

what would i send first?

Edited by elizabeth25
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Hello elizabeth,

 

Firstly I believe your Agreement my be flawed as it does not effectively distinguish between the loan and the creditcare (PPI) cover I believe the payments for the loan and the credit care should be shown separately on the agreement ie monthly payments of £xxx for loan and £xxx for creditcare.

 

have a look here for more help..

Multiple agreements falling within section 18 CCA 1974

 

The company address is in the second of your photobucket links.

http://i134.photobucket.com/albums/q...hes/img016.jpg

 

It looks like a chester address I have done a search in the Companies House site and the FSA Register but only one company came up and it was not in chester.

 

Your loan agreement was 1999 so you will need to have a look at this on claiming mis-sold PPI providing you can pin down the company. They may no longer exist:eek:

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Here is some information on credit care..

 

Name & Registered Office:

CREDITCARE LIMITED

177 MELTON ROAD

WEST BRIDGFORD

NOTTINGHAM

NG2 6JL

Company No. 02255549

 

spacer.gifspacer.gifspacer.gif spacer.gif Status: Active

Date of Incorporation: 10/05/1988

 

Country of Origin: United Kingdom

If you could post the full address and company number at the top the agreement I can be certain to put in the correct information to search again.

 

or you can have search yourself in here...

Companies House

 

and here..

FSA Register

 

hope this helps;)

 

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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  • 4 months later...

Hi

 

I have an update. They wrote back saying they dont have to provide a copy of the credit agreement. I obviously have one anyhow.

 

How do you suggest I now proceed. What happened was I paid off the loan early but lost the full PPI amount as they said non was refundable. I have looked at the spreadsheets on the PPI info but can not work out how to fill it in. Appreciate anyones help.

 

I have posted the agreement on here in a previous post.

 

Thanks

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Sorry, a further question. I have drafted a letter saying that they have not distinguished between the amount payable each month for the loan and for the ppi. i also said the policy was missold and I was not informed that if I paid the loan back early I would forfeit the whole policy sum. anything else to add?

 

also do i claim against capital bank who had loan with or credit care? many thanks.

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Hiya Elizabeth,

 

I can do the calculations for you and email the Excel Spreadsheet to you, but you have hidden the dates and figures on the agreement above.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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