Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

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  1. 8th May 2009 21:35 #1
    Pinky69 Pinky69 is offline
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    Default Picture Loans and the FSCS

    Anyone had any reply to PPIicon claim against Picture yet or are the FsCS still just sitting on them?

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  2. 8th May 2009 21:37 #2
    yourbank yourbank is offline
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    Default Re: Picture Loans and the FSCS

    do you mean the fosicon?

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  3. 8th May 2009 22:29 #3
    alanalana alanalana is offline
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    Default Re: Picture Loans and the FSCS

    Anyone had any reply to PPIicon claim against Picture yet or are the FsCS still just sitting on them?
    This is an old link but may help you make a claim.

    Home - Consumer home page - Latest News - 2008 - August - Picture Financial Services Plc

    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
    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. 9th May 2009 09:52 #4
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    Hi Pinky, word is that Picture may be declared in Default in the next 3 to 5 weeks. None of us who have a claim with the FSCS against Picture are holding our breath though !

    Any opinion I give is my own and given without

    any liability.
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  5. 9th May 2009 13:36 #5
    Pinky69 Pinky69 is offline
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    Default Re: Picture Loans and the FSCS

    Thank you alan - the claim goes off on Monday. We will hope they WILL default them soon pink - some of you had a long wait. I sent for the forms in February and got a letter yesterday from the FSCS telling me to get my PPIicon against Picture in now. I don't know if that is a standard template or a sign they are now moving.

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  6. 17th July 2009 11:38 #6
    Smalley2009 Smalley2009 is offline
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    Default Re: Picture Loans and the FSCS

    Hi fellow PPIicon miss-sell-ees

    Happy to say that Picture have finally been declared in Default by the FSCS!!! This happened with effect 06/07/09 however, only found out today as I've just called them (they've yet to update their website).

    They've outsourced the Picture cases to Delloitte so we should all hear something soon.

    GOOD LUCK!



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  7. 17th July 2009 11:53 #7
    Pinky69 Pinky69 is offline
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    Default Re: Picture Loans and the FSCS

    Thank you Smalley - that's great news! Here's hoping for all of us!

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  8. 22nd July 2009 11:40 #8
    allan48 allan48 is offline
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    Default Re: Picture Loans and the FSCS

    I spoke to FSCS this morning and it could take up to six months for payment - so the cheque is not imminent on the mat but surely it is coming!!!

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  9. 10th August 2009 16:13 #9
    allan48 allan48 is offline
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    Default Re: Picture Loans and the FSCS

    Good news for all of us that have been waiting over a year

    Article

    read it and start praying!!!

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  10. 10th August 2009 16:25 #10
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    Thanks for the article allan48, here's hoping I'm among the first payments

    Any opinion I give is my own and given without

    any liability.
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  11. 10th August 2009 16:42 #11
    Pinky69 Pinky69 is offline
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    Default Re: Picture Loans and the FSCS

    Great news. I expect people who have cleared their loans will get a payment direct to them. I am wondering if those who are still paying loans will have the money credited to the loan. It's supposed to put you back as if the PPIicon had never been sold.

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  12. 10th August 2009 16:46 #12
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    All payments should come direct to people, at least the PPIicon already paid and the rest should be taken off the loan. I hope thats what happens, why should Picture receive the money? Arrears may come into it but apart from that....

    Any opinion I give is my own and given without

    any liability.
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  13. 15th August 2009 15:14 #13
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    Anyone else had their letter from Deloitte to say their claim will be processed shortly?

    Any opinion I give is my own and given without

    any liability.
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  14. 15th August 2009 18:21 #14
    Pinky69 Pinky69 is offline
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    Default Re: Picture Loans and the FSCS

    Not yet. Maybe it is done in date order. When did you make your claim pink?

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  15. 15th August 2009 19:27 #15
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    August 2008

    Any opinion I give is my own and given without

    any liability.
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  16. 15th August 2009 20:46 #16
    alanalana alanalana is offline
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    Default Re: Picture Loans and the FSCS

    Hang in there the Force (FSCS) is with you. I hope you all get your cash back soon.

    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
    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.
    Reply With Quote Reply With Quote
  17. 15th August 2009 21:04 #17
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    Thanks aa

    Any opinion I give is my own and given without

    any liability.
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  18. 17th August 2009 08:48 #18
    Alitree Alitree is offline
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    Default Re: Picture Loans and the FSCS

    Letter received from Delloite on Saturday. Heard that some claims will be sorted within 2 months! heres hoping

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  19. 17th August 2009 11:11 #19
    steve76 steve76 is offline
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    Default Re: Picture Loans and the FSCS

    hi all

    just a query , ive had picture consolidation loan nearly 3 years now and am due to receive a payout for not having been in arrears the 1st 3 years

    am i able to make a claim for PPIicon mis selling as i hadnt a clue what i was agreeing to at the time as my head was in a total mess and im still non the wiser

    shall i wait to receive this payment in october before i pursue any claim for ppi ??

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  20. 17th August 2009 11:14 #20
    pinknico pinknico is offline
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    Default Re: Picture Loans and the FSCS

    If you believe you were mis sold go for it. It makes no difference if you receive your payout or not you just have to let the FSCS know if you have had a refund when you fill out their claim form.

    Any opinion I give is my own and given without

    any liability.
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