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    • Yes, Hotpoint UK has been a subsidiary of Whirlpool for over 20 years. And unlike some domestic goods manufacturers you can buy from them direct and I believe they employ their own service engineers, Is that your situation? You bought direct from Hotpoint and Hotpoint sent out their own engineer?
    • It's Hotpoint (but I believe they're part of the Whirlpool group now?). The part was bought direct from them as a consumer.
    • 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    email text I'm sending to Evri's small claims in answer to their recent defence response:  
    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss.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
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Claiming PPI from Studio Catalogue


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Hi everyone,

 

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

 

I am in the process of claiming back all the PPI premiums ever paid which is in the region of £1500 without interest. 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 Action.

 

Any thoughts

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Hi everyone,

 

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

 

I am in the process of claiming back all the PPI premiums ever paid which is in the region of £1500 without interest. 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-selling 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 Action.

 

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 FOS 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 :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 alanalana,

 

I will make another request to Studio asking for the ppi premiums but this time i will also be wanting contractual interest(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 FOS solution or look into the court route.

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Thank you alanalana,

 

I will make another request to Studio asking for the ppi premiums but this time i will also be wanting contractual interest(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 FOS 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 :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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  • 3 weeks later...

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 FOS

Anyone have any thoughts.

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  • 3 weeks later...
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 FOS

Anyone have any thoughts.

 

 

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

 

Any advice on how to proceed would be appreciated.

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I asked for the refund of PPI 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 action but would like a bit more input from other caggers regarding this.

studioppi.pdf

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I asked for the refund of PPI 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 action 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.

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  • 4 weeks later...

also like to say i got excellent advice and help from BankFodder re: PPI. 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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