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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
No satisfactory reply on this one so filled in form for FLA as it doesn't fall within the scope for fos.
To be fair, although I havent heard good reports about FLA they responded extremely quickly saying that they have written to Paragon and within a week a had a letter from Paragon to say they are looking into it.
I know that the FLA cant make a decision but they said that they will work with me on it and advise accordingly.
Letter received today from Paragon saying that as it was through Midland and General I should approach them, as Paragon are not responsible.
At least Paragon are responding quicker with the intervention of the FLA as I did not even receive replies from them when I did it solo!
Will update accordingly - I have quite a few on the go now!
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
side a pile of LTSB 'fob-off' letters struggling to get out!
Posts
2,398
Re: Paragon old loan (1995)
Hi Tink
I can't offer any advice with this I'm afraid, but was curious about your involvement with the FLA as I may have to go down that route for the first time soon.
I've had a look at the FLA online form but was wondering how you get on with sending supporting documentation to them? Do you fill out the online form and submit it then await their request to supply them with further evidence? I have a mountain of paperwork to support my claim and there's no way they could reach a decision without having access to it:-?
Apologies for hijacking your thread and good luck with your claim. At least so far the response generated from the FLA's involvement seems positive!
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
I am just at the first stages with the FLA, positive start though - very quick to respond. All I did in the first instance was to fill in the online form and submit it - received an email response very quickly and a response from Paragon within the week. I will keep you posted about how it pans out but I feel that all avenues are worth a try. I guess if they want further information from me they will request it. I also submitted an online form about GE Money (Debenhams) and received a quick response from FLA on that one as well - although I havent heard from GE yet. I have a mountain of paperwork on this one too!
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
side a pile of LTSB 'fob-off' letters struggling to get out!
Posts
2,398
Re: Paragon old loan (1995)
Hi Tink
Many thanks for the info - it's good to hear that the FLA are at least worth a try. Like yourself, I have a whole stack of paperwork which I had already copied ready to send to the fos, who then said they couldn't investigate this one. I was just concerned about how the FLA would be able to investigate properly without that supporting evidence, but as you say I'm sure they will request it as and when it's required.
I'll follow your progress with interest - thanks again!
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
Quick reply from Paragon, however only to say that as my agreement was with Midland and General it is them that I should approach - FLA also sent me a letter saying that I should approach Midland and General - so I have now sent them a letter and copied it to the FLA as requested.
In my experience so far intervention from the FLA certainly gets quick responses and more information that I could gain myself. So thumbs up so far for FLA!
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
Quick reply from Paragon, however only to say that as my agreement was with Midland and General it is them that I should approach - FLA also sent me a letter saying that I should approach Midland and General - so I have now sent them a letter and copied it to the FLA as requested.
In my experience so far intervention from the FLA certainly gets quick responses and more information that I could gain myself. So thumbs up so far for FLA!
With you on this one as well
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.
No reply yet from Midland and General, just a thought - does this change things with me being able to take it to the fos - I might give them a call to find out.
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
Received letter from GE Money (they must have taken over Midland and General).
Another bunch of imcompetant idiots, they have replied saying they are looking into my complaint on loan account no. .........
I made it quite clear in my letter what loan account I was complaining about and it wasnt this one!
Letter gone off detailing loan account number in BIG BOLD LETTERS in case they have difficulty reading it again.
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
Received letter from GE Money (they must have taken over Midland and General).
Another bunch of imcompetant idiots, they have replied saying they are looking into my complaint on loan account no. .........
I made it quite clear in my letter what loan account I was complaining about and it wasnt this one!
Letter gone off detailing loan account number in BIG BOLD LETTERS in case they have difficulty reading it again.
Keep at them
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.
Paragon old loan (1995)
.
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Originally Posted by TINK660
