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    • Thanks BankFodder for your latest, I'm in complete agreement on the subject of mediation and will be choosing to decline mediation, the longer timeline is not an issue for me, I will happily let the going to court run it's course. I really appreciate the support from the Consumer Action Group. I'll post the email text I'm sending to Evri's small claims in answer to their recent defence response. Regards, J
    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
    • We used to recommend that people accept mediation but our advice has changed. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming and even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been leading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. If it's good for them it's bad for you. On mediation form, you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee but you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi's bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.     And incidentally, there is a myth that if you refuse mediation that somehow it will go against you and the judge will take a dim view and be critical of you. This is precisely a myth. It's not true. It would be highly improper if any judge decided the case against you on anything other than the facts and the law of the case. So don't worry about that. The downside of declining mediation is that your case will take slightly longer. The upside is that if you win you will get all your money and you will have a judgement in your favour which will help others. The chances of you winning in this case are better than 95% and of course you would then receive 100% of your claim plus costs
    • Nice to hear a positive story about a company on this form for a change. Thank you
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great universal PPI


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:|has anyone had any succes in reclaiming PPI back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.

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cough :D

 

I have been searching the site for GU info.

 

Sorry unable to find any links. It seems you have PPI issues on a catalogue seller. Do you have the Consumer Credit Agreement applicable and the other relevant documentation such as the terms and conditions with the prescribed terms listed?

 

This would be the starting point in any claim to get mis-sold PPI refunded.

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 :mad:

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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From companies house

 

Name & Registered Office:

THE GREAT UNIVERSAL STORES LIMITED

LANDMARK HOUSE

EXPERIAN WAY

NG2 BUSINESS PARK

NOTTINGHAM

UNITED KINGDOM

NG80 1ZZ

Company No. 02259511

 

Previous Names: Date of change Previous Name 26/07/2000 KAYS MAIL ORDER LTD. 25/07/2001 GUS LIMITED 14/11/1988 STABLEGAUGE LIMITED 15/03/2001 REALITY NET SOLUTIONS LIMITED

 

And you were correct this is the address as listed for GU in the FSA register

 

Basic details for:

 

406512 - Shop Direct Group Limited

 

Current status: Appointed Representative - Former Effective Date: 14/01/2005 Tied Agent:

Undertakes Insurance Mediation: Y

Registered under Money Laundering Regulations:

 

Address: 19th Floor

Arndale House

Manchester

Lancashire

M60 6EQ

Phone: 44 0161 615 1615

Fax: 44 0161 636 7478

Email:

Website: www.shopdg.com

 

 

Contact(s) responsible for insurance mediation: Mr John Sharkey

 

Hope this helps in you claim.

 

aa

Edited by alanalana

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 :mad:

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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This information was a help then :confused::D

 

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 :mad:

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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:|has anyone had any succes in reclaiming PPI back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.

 

Hi

I have been trying to get my ppi back from Great Universal. Sent them several letters, including a copy of DWP entitlement to Carers Allowance at the time PPI was applied, but they turned me down flat everytime. They are a tough bunch to crack. They are a member of Shop Direct now.

 

In their final response they said that I couldnt go to the FOS as they werent regulated at the time the insurance was added (I mean sold?!). Went to FOS anyway and they took my case. Still waiting to hear, they are very busy so it takes time.

I dont intend giving up until I have a full refund.

 

Good Luck with your claim.

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Thanks AA I have sent them a prem. letter then will go to FSA I am trying to get my charges back from them and they have ignored my letter altogether so I have handed claim over to FOS I know it will take a long time but they are not above the law.

 

Thank you msowing for your interest and good luck with your claim

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This is the result of a FSA register search on Great Universal...

 

Littlewoods Home Shopping Ltd L70 1AB Abound, Additions, Choice, Choice 4 You, Great Universal, Great Universal Essentials... Appointed Representative - Former

Shop Direct Group Limited M60 6EQ Abound, Additions Direct, Choice, Choice For You, Great Universal Essentials, Great Universal Stores... Appointed Representative - Former

Shop Direct Group Ltd M60 6EQ Gus Home Shopping LimitedChoice, Family Album, Fashion Extra, Great Universal, Gus Home Shopping, John England... Introducer A.R. - Former

Shop Direct Home Shopping Ltd L70 1AB Littlewoods Home Shopping Limited, Littlewoods Shop Direct Home Shopping...Abound, Additions, Choice, Choice For You, Great Universal, Great Universal Essentials... Introducer A.R.

 

This is the FSA register website to enable you to do your own searches...

 

http://www.fsa.gov.uk/register/firmSearchForm.do

 

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 :mad:

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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thank you once again for al your help, I will keep you informed of any progress.

 

Do not let the issue fade away. Keep up the pressure, Post when you have to and stay focused on the fact you want you cash 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 :mad:

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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  • 1 month later...

Hi hilaryfrances.

 

You heard anything regarding your ppi claim from Great Universal?

 

Im gutted!!! FOS turned me down they wont look at the claim because it was before 2003 [i have waited over 6 months for their decision]. So I guess Great Universal win and get to keep my £800+.

 

Hope yours is going better than mine

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  • 2 weeks later...

Hi MSOWING,

 

Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-selling?

 

I wrote to them beginning of November asking for a list of all insurance charges (account cover plus) added to my account because I didn't know the dates they were charged to my account - which I needed for my prelimanary letter.

 

Not got anything back yet (although my cheque was cashed 30th Nov).

 

I have only just finished paying the account off but it was once a very high amount & I suspect the account cover plus was not helping.

 

Did you send your correspandence to: -

 

THE GREAT UNIVERSAL STORES LIMITED

LANDMARK HOUSE

EXPERIAN WAY

NG2 BUSINESS PARK

NOTTINGHAM

UNITED KINGDOM

NG80 1ZZ

Any thoughts/comments appreciated. Cheers

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Hi MSOWING,

 

Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-selling?

 

I wrote to them beginning of November asking for a list of all insurance charges (account cover plus) added to my account because I didn't know the dates they were charged to my account - which I needed for my prelimanary letter.

 

Not got anything back yet (although my cheque was cashed 30th Nov).

 

I have only just finished paying the account off but it was once a very high amount & I suspect the account cover plus was not helping.

 

Did you send your correspandence to: -

 

THE GREAT UNIVERSAL STORES LIMITED

LANDMARK HOUSE

EXPERIAN WAY

NG2 BUSINESS PARK

NOTTINGHAM

UNITED KINGDOM

NG80 1ZZ

 

Any thoughts/comments appreciated. Cheers

 

Hi Fletch

 

Did you send SAR? If so they have 40 days to reply [thats from time they received request not from when they cashed cheque. Did yoy send it Recorded Delivery?] I think its time to report them to the Information Commisions Office {I think thats where you complain about non compliance]. I think you also need to send Great Universal a reminder letter.

I dont think there is a time limit on when you can reclaim PPI although if it was sold before 2003 FOS wont look at it as I have found out. However the FOS have now said that they are looking into the underwriters of the insurance so maybe all is not lost yet and I will be taking them to small claims court if the underwriters say no also.

BTW I wrote to Aintree Innovation Centre,Liverpool not Nottingham

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Hi Msowing, many thanks for your quick reply. I sent my letter standard 1st class and it read: -

 

"I am writing to request a fully comprehensive list of all the insurance charges added to my account with Great Universal. If you are unable to provide this data, I will accept copies of my statements. I understand that statements on their own are not covered by the Data Protection Act, yet I’m not requesting the statements per se, but the charges, which I’m entitled to.

I look forward to your response within 40 days, as is obliged under the Data Protection Act 1998. If not I shall seek remedy from the Information Commissioner."

So I have sent a chaser today & will also send a copy to the Liverpool address - I think it was around 2003 so will be interested to find out exactly when it was.

Will keep you posted as & when I hear any further developments and all the best with FOS or small claims court.

Cheers!

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