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.
We have statements for my hubbys Mint card (it was then RBS) going back to 1999. The card included PPI until april 2001 when I presume we cancelled it (cant remember but it is not included on any statements after that date)
We are reclaiming ppi due to my hubby being self employed and wrote to ask for it back. It took them a long time to come up with their results of their investigation but when they did the letter informed us that as he didnt request ppi when taking out the card and no ppi payments were ever taken he was therefore not due a refund as there was nothing to refund!
I think they have shot themselves in the foot here dont you!
Have just faxed through all the statements including PPI - lets see what their reply will be now!
Tink
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
If you have the statements showing PPI then as per your first post I believe they have shot themselves in more than a foot
I would not like to name the part of the anatomy but I believe it could be halfway between the foot and the head
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.
lol alanalana, I am really looking forward to the reply to this one!
Im busy calculating cci and 8% on it, when Ive finished I'll fax them the figures (to aid them in their calculations)
Tink
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
Good luck on this one Tink keep at them at every opportunity. Be polite but give them some of their own treatment back.
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.
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
Well, I've received a letter back saying that in view of the information I have provided (statements going back to 1996 with PPI payments clearly shown) they have re-opened my file.
Then, "under normal circumstances we would anticipate completing our investigations with 8 weeks of receiving your complaint, however due to the information from our records and the information you have supplied I am unable to complete the investigation within this timescale". what a surprise!
So they are continuing the gather information so that they can send me a full reply and if I am not happy I can take my concerns to the fos.
No apology then for blatantly lying in the first letter, saying that I never requested ppi when I took out the card, therefore no ppi payments were made and so no refund is due.
I dont want to go the the FOS yet on this one as I will wait forever but I do want them to hurry up, getting very impatient as I now have a few claims on the go and they seem to be taking forever.
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
I think a complaint to the fos may just concentrate their efforts
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.
Well, I shouldn't have really been surprised at their reply.
This is basically it:-
We cannot investigate your complaint any further as it goes back further than 1999 and you should have bought it to our attention a long time ago - it is unreasonable of me to now raise my concerns apparently!! They go on to say that "in their opinion they dont think the fos would take up this issue as it is before 1999 and because I have taken too long to complain - what rubbish that is considering we have had 2 claims upheld by the FOS for loans sold by RBS from 1995!
It is just delaying tactics as far as I can see - if they think I'm going to say "oh ok I give up then" they can think again.
I have written to them pointing out that I have spoken to the FOS who are more than willing to take this on for me, also pointed out that they told me that I never had PPI and never asked for it in the first place (proved them wrong by faxing statements clearly showing ppi added every month! I added that they should reopen their investigation as it is a clear case of mis-selling and if the FOS are involved they will impose a financial penalty on them as the lender and it will go on their record. I have given them 7 days to respond to my satisfaction or I will then go to the FOS.
I'm fed up with these idiots - how do they manage to come up with such b-------t!
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
Ok, note to self really that 7 days is up on Friday 18 Sept - will fill out fos form on that day and send!
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
Well, I shouldn't have really been surprised at their reply.
This is basically it:-
We cannot investigate your complaint any further as it goes back further than 1999 and you should have bought it to our attention a long time ago - it is unreasonable of me to now raise my concerns apparently!! They go on to say that "in their opinion they dont think the fos would take up this issue as it is before 1999 and because I have taken too long to complain - what rubbish that is considering we have had 2 claims upheld by the FOS for loans sold by RBS from 1995!
It is just delaying tactics as far as I can see - if they think I'm going to say "oh ok I give up then" they can think again.
I have written to them pointing out that I have spoken to the FOS who are more than willing to take this on for me, also pointed out that they told me that I never had PPI and never asked for it in the first place (proved them wrong by faxing statements clearly showing ppi added every month! I added that they should reopen their investigation as it is a clear case of mis-selling and if the FOS are involved they will impose a financial penalty on them as the lender and it will go on their record. I have given them 7 days to respond to my satisfaction or I will then go to the FOS.
I'm fed up with these idiots - how do they manage to come up with such b-------t!
And if this is not a fighting spirit then what else???
Keep at them do not accept what they tell you the banks are just issuing the said b------t to put you off reclaiming they are even saying in some cases the FOS will not look at the claim. If you get that sort of response send a copy to the FOS they do not like to be told by banks what they can and cannot do
A lot of claimants are accepting what the banks are telling them I would advise in every single case to proceed with a claim to the Financial Ombudsman Service and if that is not successful then off to Court we go. Sadly you cannot do it the other way around so if you go to Court and lose that is that.
Why is it Mint cannot go back before 1999 and yet I had success via the FOS back to 1997.
Cannot be one rule for one and one rule for another if they state they have no records beyond 1999 ask them for the full details recording the destruction of the information duly certified by a registered Data Protection Officer and ask for full certification of the said destruction in line with the Civil Evidence Act 1995 which they should comply with on the destruction of Data.
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.
Ok, no reply within 7 days so filling out fos form online and in post first thing Monday morning.
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
Still no reply from RBS - form now sent to fos - awaiting acknowledgement.
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
Keep at them you could be in for a busy autumn and winter but I will try and keep up with your threads. Just PM if you get stuck and if I can help or advise I will
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.
fos have acknowledged receipt and are going to be asking RBS for more information however the usual it may be a while before an adjudicator is free to look at your complaint.
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more
You are on the way it is just the timescales now but fos are upholding 90% of PPI claims so you should hopefully be in for a positive result
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.
Mint Card Ppi
) going back to 1999. The card included PPI
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Originally Posted by TINK660
