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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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. 2nd June 2009 20:51 #1
    andie_303 andie_303 is offline
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    Default FOS Complaints Upheld - Figures needed

    I was wondering if anyone had links or information on the number of single premium PPIicon cases the fosicon upheld in the years 2006-7 2007-8 2008-9??

    Also does anyone know if it is possible to ascertain % figures for individual companies they have upheld??

    Thank you

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )
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  2. 2nd June 2009 20:55 #2
    BankFodder BankFodder is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    It would be so interesting to get all sorts of stats from the fosicon but as it is a private arrangement within the finance industry, the FOI doesn't apply.
    Write to them and ask them but it will be interesting to see how - if at all they justify their refusal

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 2nd June 2009 20:58 #3
    pompeyfaith pompeyfaith is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    This is the latest Annual Review for 2008/2009.

    http://www.financial-ombudsman.org.u.../ar09/ar09.pdf

    Regards

    PF

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  4. 2nd June 2009 20:59 #4
    pompeyfaith pompeyfaith is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    In that review you will see that figures for companies that will be publishing in the near future.

    Regards

    PF

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  5. 2nd June 2009 21:09 #5
    andie_303 andie_303 is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    Thanks PF - I may try writing to them as well as see if they are prepared to 'name and shame' the figures on a particular company I am after - if they are going to publish it anyway you would think they could have no reason to refuse this

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )
    Reply With Quote Reply With Quote
  6. 2nd June 2009 21:11 #6
    alanalana alanalana is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    Quote Originally Posted by BankFodder View Post
    It would be so interesting to get all sorts of stats from the fosicon but as it is a private arrangement within the finance industry, the FOI doesn't apply.
    Write to them and ask them but it will be interesting to see how - if at all they justify their refusal
    In light of the present PPIicon reclaim and credit meldown I believe the FOS are more than happy to present figures on their performance.

    This is the latest Annual Review for 2008/2009.

    http://www.financial-ombudsman.org.u.../ar09/ar09.pdf

    Regards

    PF
    My guess is there will be a rather large increase in the figures released next year on PPI mis-selling. That is if the credit crunch does not deplete the staff numbers employed by the FOS which must have surely increased dramatically looking at the link above.

    Point here is keep up the pressure and if the FOS need more recruits to get results then so be it. PPI reclaiming successes through the FOS are definately increasing but the time scale is still wearing folks down.

    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.
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  7. 2nd June 2009 21:17 #7
    andie_303 andie_303 is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    89% claims currently being upheld - yikes!!

    Thanks AA - I bypassed fosicon purely because of the time scales but unfortunately small claims is quite scary to someone like me so I'm trying to get all my reasearch in before my court date and would just like to give the judge a little reminder about some figures for these dodgy policies and thought you can't really argue with the FOS figures.

    I'm gonna get in touch with them tommorow and ask for figures on the rascal of a company and see what they say.

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )
    Reply With Quote Reply With Quote
  8. 2nd June 2009 21:48 #8
    pompeyfaith pompeyfaith is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    Good Luck with that andie and if you do get them please do post up here as im sure we would all like to know even if its not the company we are dealing with.

    Regards

    PF

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  9. 2nd June 2009 21:53 #9
    landy_alert landy_alert is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    Hi Andie

    Will be following your progress with interesticon (contractual preferably, lol!) on this one as I think you're talking about my fave bank too!

    Regards,

    Landy x

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  10. 3rd June 2009 07:53 #10
    yourbank yourbank is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    Quote Originally Posted by andie_303 View Post
    I was wondering if anyone had links or information on the number of single premium PPIicon cases the fosicon upheld in the years 2006-7 2007-8 2008-9??

    Also does anyone know if it is possible to ascertain % figures for individual companies they have upheld??

    Thank you
    As alanalana has said the details of PPI complaints are held within their annual review
    2006/07
    annual review 2006/07
    2007/08
    annual review 2007/08
    And Alanalana has posted on the 2008/09 review link

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  11. 17th June 2009 13:49 #11
    andie_303 andie_303 is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    fosicon tell me they are aiming to name and shame in September and I asked them if I could have the figures on the institution I wanted and they said they didn't think that would be possible until they are officially published but told me to put my request in writing.

    I have done so and got a response saying my query was being looked in to - nothing further since.

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )
    Reply With Quote Reply With Quote
  12. 17th June 2009 18:48 #12
    alanalana alanalana is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    fos tell me they are aiming to name and shame in September and I asked them if I could have the figures on the institution I wanted and they said they didn't think that would be possible until they are officially published but told me to put my request in writing.

    I have done so and got a response saying my query was being looked in to - nothing further since.
    Any official response on this must surely merit an immediate post in very large letters

    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
  13. 17th June 2009 19:36 #13
    andie_303 andie_303 is offline
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    Default Re: FOS Complaints Upheld - Figures needed

    I will give them a nudge next week to see what they are doing - if I get anything I will post everything

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )
    Reply With Quote Reply With Quote
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