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.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    arthur071169 Novitiate

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    Question PPI, Clydesdale bank, Marlin financial services.

    I have begun proceedings against Clydesdale Bank for Mis-selling PPIicon to myself and my wife when we took out a 'sizeable' loan back in 2005.

    I am using a third party to do this for me, that is not important at this point.
    What is interesting is the chain of events.

    6th November, sent letter to third party - with printed copy of statement of loan amount remaining as held by cludesdale bank.

    10th November, letter sent from third party to Clydesdale bank.

    13th November, letters received (dated 10th November - ahem!) from Clydesdale bank, and Marlin Financial services. The letters state that Clydesdale bank transferred management of the loan to Marlin, September 18th! No letters or warnings of this occurence prior to this was received by myself. I did thankfully print out my loan balance as of 6th november showing Clydesdale were still handling my loan. I logged in today (16th November) and lo! the balance is zero.
    Also, Marlin state that they have 'deducted' the remaining insurance payment owed against the loan (you pay mostly the insurance first from each month, with a smaller amount going toward the loan proper).

    Ok,
    Point 1. I can catagorically prove (actually, I did by sending the printout to the third party) the account was being managed by CB when they state it was not!
    Point 2. Similar to when I claimed back my bank charges, do Clydesdale bank now follow a set pattern of letters and offers with regard to PPI? if so, is 'passing the buck' to a company such as Marlin (who 'graciously' deduct a tiny amount of the sum being claimed) now part of their tactic?
    Point 3. is / has anyone else pursued PPI misselling against Clydesdale bank? Is this the correct thread, or should this be moved (adminicon?) redirected to a specific thread for this topic?
    Regards,
    arthur.


  2. #2
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    Default Re: PPI, Clydesdale bank, Marlin financial services.

    Quote Originally Posted by arthur071169 View Post
    I have begun proceedings against Clydesdale Bank for Mis-selling PPIicon to myself and my wife when we took out a 'sizeable' loan back in 2005.

    I am using a third party to do this for me, that is not important at this point.
    What is interesting is the chain of events.

    6th November, sent letter to third party - with printed copy of statement of loan amount remaining as held by cludesdale bank.

    10th November, letter sent from third party to Clydesdale bank.

    13th November, letters received (dated 10th November - ahem!) from Clydesdale bank, and Marlin Financial services. The letters state that Clydesdale bank transferred management of the loan to Marlin, September 18th! No letters or warnings of this occurence prior to this was received by myself. I did thankfully print out my loan balance as of 6th november showing Clydesdale were still handling my loan. I logged in today (16th November) and lo! the balance is zero.
    Also, Marlin state that they have 'deducted' the remaining insurance payment owed against the loan (you pay mostly the insurance first from each month, with a smaller amount going toward the loan proper).

    Ok,
    Point 1. I can catagorically prove (actually, I did by sending the printout to the third party) the account was being managed by CB when they state it was not!
    Point 2. Similar to when I claimed back my bank charges, do Clydesdale bank now follow a set pattern of letters and offers with regard to PPI? if so, is 'passing the buck' to a company such as Marlin (who 'graciously' deduct a tiny amount of the sum being claimed) now part of their tactic?
    Point 3. is / has anyone else pursued PPI misselling against Clydesdale bank? Is this the correct thread, or should this be moved (adminicon?) redirected to a specific thread for this topic?
    Regards,
    arthur.
    Is this third party a member of CAGicon or a friend or an advertised company claiming a fee for their services??

    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.

  3. #3
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    Default Re: PPI, Clydesdale bank, Marlin financial services.

    Actually a 'noted' solicitors.
    Last time (because of the amount I was claiming for bank charges) it took aaaaaaaaaaagggggggeeeeeee eesssssssss to create the paperwork, and I was quite annoyed with the whole banks attitude to my efforts (which paid out tho'). The company 'is' charging a fee, but it is capped (I confirmed this, and believe me, it is a small fraction of the potential win which matters more to me right now for several reasons).
    I am happy (and far too busy as my career now does not allow me the satisfaction of time to do this myself) that the total fee is worth the effort being made by the solicitors.


  4. #4
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    Default Re: PPI, Clydesdale bank, Marlin financial services.

    More info. I was instructed by my solicitor to not follow up any paperwork sent directly to me by the bank, as this contravenes their own financial services authority rules. guess what appeared in the post yeasterday? A rather friendly looking 'questionnaire', with a lovely section entitled 'sign here'.
    Ahem. Essentially they want me to explain to their 'follow up department' (Called 'Customer Engagement'), what my grievanceicon is, why I think I was missold PPIicon, provide all documentation, my 'recollection' of the meeting, etc etc.
    I have forwarded this to the solicitor as they have yet to receive a copy. Typical Clydesdale bank behaviour.
    Still looking to someone else on the forum to give any other feedback on their experiences reclaiming PPI from Clydesdale bank. Has anyone done this yet (or from Yorkshire Bankicon - same thing)???



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