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i received a letter from Cabot stating i owed a debt of £8k for a car finance agreement. i did a Subject access request (as read on this website) which they have now provided all the information, firstly PPI i would never have accepted this i was 18, in a Temp to 6month Job and knew PPI would be uselses, i have since discovered this has been added on, (initials dont even match my writing) secondly the ID was actually 18months out of date at the time of application,, could some one plese help me as to where i stand with the PPi and out of date ID. i will need to pen a letter to them. all help appreciated, thank you all in advance
i received a letter from Cabot stating i owed a debt of £8k for a car finance agreement. i did a Subject access request (as read on this website) which they have now provided all the information, firstly PPI i would never have accepted this i was 18, in a Temp to 6month Job and knew PPI would be uselses, i have since discovered this has been added on, (initials dont even match my writing) secondly the ID was actually 18months out of date at the time of application,, could some one plese help me as to where i stand with the PPi and out of date ID. i will need to pen a letter to them. all help appreciated, thank you all in advance
I am not fully up to speed on Cabot and other Debt Collecting Agencies.
I would however reclaim the PPI from the company that you agreed to buy the car from. Can you tell me which company the agreement was with?
As you have sent the SAR and received a copy of the agreement it would help if you could remove all of the personal details names, addresses, signatures or initials, Telephone numbers, account numbers etc leave the information in on the PPI and loan figures in.
You should also read through these links as they will help you to see what reasons you can apply for mis-selling PPI.
Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.
Once you decide on your action post up and we will take it from there.
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
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.
it doesnt give the information as to who the PPI was with, the finance agrement was with on:line finance.
Does the agreement show any information on the PPI?
If it does then you should be reclaiming the PPI from online finance.
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
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.
the only information on the Hand written agreement is the amount the PPI and Credit costs?
Can you post up the agreement. Please remove all the personal details like names and addresses, signatures or initials, sort codes account numbers, telephone numbers.
If you have a scanner this is a useful tool to upload documents...
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
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.
Urgent Help needed - cabot and on;line
i would never have accepted this i was 18, in a Temp to 6month Job and knew PPI would be uselses, i have since discovered this has been added on, (initials dont even match my writing) secondly the ID was actually 18months out of date at the time of application,, could some one plese help me as to where i stand with the PPi and out of date ID. i will need to pen a letter to them. all help appreciated, thank you all in advance
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Re: Urgent Help needed - cabot and on;line
