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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  1. #1
    Basic Account Holder weeme Novitiate

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    Default Claiming PPI from Studio Catalogue

    Hi everyone,

    I have an account with Studio which is currently in dispute as they have not provided a proper agreement following a CCA Requesticon.

    I am in the process of claiming back all the PPIicon premiums ever paid which is in the region of 1500 without interesticon. I wrote asking Studio to refund the PPI premiums and all penalty charges, they refunded the penalty charges but are refusing to refund the PPI premiums.

    What I need to know is should I send them another refund request or ask them to reconsider and if after further consideration the answer is not a positive one then they can consider the letter as a letter before actionicon.

    Any thoughts


  2. #2
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    Default Re: Claiming PPI from Studio Catalogue

    Quote Originally Posted by weeme View Post
    Hi everyone,

    I have an account with Studio which is currently in dispute as they have not provided a proper agreement following a CCA Requesticon.

    I am in the process of claiming back all the PPI premiums ever paid which is in the region of 1500 without interesticon. I wrote asking Studio to refund the PPI premiums and all penalty charges, they refunded the penalty charges but are refusing to refund the PPI premiums. (if you have their refusal in writing you can submit a claim to the Financial Ombudsman Service claiming mis-sellingicon of the PPI) providing you do have a valid claim for mis-selling. Check out the stickies at the top of the forum for reasons PPI was mis-sold here is a link and there is much more info available if you read the stickies......

    PPI - Some Notes for Claimants.. and this is a longer one with even more links to help you reclaim.
    Mis-sold PPI? Want your money back? use these links to help


    What I need to know is should I send them another refund request or ask them to reconsider and if after further consideration the answer is not a positive one then they can consider the letter as a letter before actionicon.

    This is your call it would be inappropriate for me to offer advice which you may not be agreeable to.

    So the choice is yours to:

    write again asking them to reconsider your claim.
    tell them you do not accept their decision on the repayment of PPI and that you intend to take further action through the fosicon or Court (again your choice on the preferred route)


    Any thoughts

    All my thoughts are in blue including links to help you out.

    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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  3. #3
    Basic Account Holder weeme Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    Thank you alanalana,

    I will make another request to Studio asking for the PPIicon premiums but this time i will also be wanting contractual interesticon(i know you think 8% statuory is the way to go) in-order to make them take the request more seriously as it more than doubles the ppi premiums.

    If they dont respond then i will take up the fosicon solution or look into the court route.


  4. #4
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    Default Re: Claiming PPI from Studio Catalogue

    Quote Originally Posted by weeme View Post
    Thank you alanalana,

    I will make another request to Studio asking for the PPIicon premiums but this time i will also be wanting contractual interesticon(i know you think 8% statuory is the way to go) in-order to make them take the request more seriously as it more than doubles the ppi premiums.

    If they dont respond then i will take up the fosicon solution or look into the court route.
    Good luck, you have made a start on the road to getting your money back.

    Just post up questions as you go along someone will look in to advise.

    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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    Following
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  5. #5
    Basic Account Holder weeme Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    Update:
    They wont up-hold my claim and the letter they sent had the following paragraph.
    [quote]
    We sell insurance on a non-advised basis and therefore only provide customers with clear balanced information to enable them to make an informed choice. On this basis we do not take into account existing insurance that a customer may have in place nor do we make any recommendation on the suitability of the product
    [end quote]

    Oh and they remind me of my rights to refer the matter to the fosicon
    Anyone have any thoughts.


  6. #6
    Basic Account Holder scanjet1954 Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    [quote=weeme;2640076]Update:
    They wont up-hold my claim and the letter they sent had the following paragraph.
    We sell insurance on a non-advised basis and therefore only provide customers with clear balanced information to enable them to make an informed choice. On this basis we do not take into account existing insurance that a customer may have in place nor do we make any recommendation on the suitability of the product
    [end quote]

    Oh and they remind me of my rights to refer the matter to the fosicon
    Anyone have any thoughts.

    I have tried exactly the same with Studio. They refunded the charges but refused to refund the PPIicon payments quoting the same wording.

    Any advice on how to proceed would be appreciated.


  7. #7
    Basic Account Holder weeme Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    I asked for the refund of PPIicon and they sent letter 1 in reply.(in pdf below)
    I asked them to reconsider and they sent letter 2 in reply.(in pdf below)

    I have read on here that they have paid up after receiving a letter before actionicon but would like a bit more input from other caggers regarding this.

    Attached Files

  8. #8
    Basic Account Holder scanjet1954 Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    Quote Originally Posted by weeme View Post
    I asked for the refund of PPIicon and they sent letter 1 in reply.(in pdf below)
    I asked them to reconsider and they sent letter 2 in reply.(in pdf below)

    I have read on here that they have paid up after receiving a letter before actionicon but would like a bit more input from other caggers regarding this.
    The letters that studio are sending appear to be their standard response. Yes, I would like some info regarding sending a letter before action.


  9. #9
    Basic Account Holder Nicmac1 Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    Hi, you might want to take a look at the industry practice regs which were reported in Oct 2008 RE: PPIicon, Studio now known as ACE are one of the companies that were looked at for the PPI.
    info@cc.gsi.gov.uk
    i found some interesting facts from this re: Freemans PPI.


  10. #10
    Basic Account Holder Nicmac1 Novitiate

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    Default Re: Claiming PPI from Studio Catalogue

    also like to say i got excellent advice and help from BankFodder re: PPIicon. Within a couple of days sending letter all PPI dissapeared from my account like it never existed. No explanation/no apologie/no regard to the fact that this may have caused an unfair advantage in there favour. But hey....I havnt finished yet.



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