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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Scottish widows ppi


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Ive just got my annual plan summary for my Life Insurancelink3.gif and noticed both me and my partner are paying PPIlink3.gif tho i dont remember asking for it or being offered it, as it only pays out after 26weeks hardly seems worth having. Can i reclaim this back and if so how do i go about it?

 

Many thanks

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Theres lots of info in our stickies in this forum.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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skittish widows will wriggle like hell

 

and you'll prob get the run around that it was the lloyds or C&G rep that did it and they are not responsible

 

they will quote that you agreed to it in your 'recommendatios' statement.

 

go get 'em

 

the mortgage reps i'm sure get a hidden commission for selling this

 

when i did mine earlier on it the year

 

i was bombarded with phonecalls from my mortgage asdvisor from her private phone

trying to convince me I DID ask for it.

 

i did NOT and it got sneaked through.

 

look at the 1st page wording on your per sum and our recs & app dets

 

then i bet its not mentioned there

 

but i bet you'll find it on pages 2/3 were it says:

its WAS discussed with you & is included

 

doesn't say ANYWHERE you WANTED IT

 

just you discussed it.

 

go get em

 

dx

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i don't like that link

 

its very circumspect leaving lots of well maybe's flying around.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I really dont remember asking for it or agreeing to it, ppi is something i never agree too as i dont beleive in it, it doesnt kick in for 26weeks so hardly seems worth waiting 6months for them to pay just over £20 a month. This is the problem, the women i spoke to about remortgageing works for lloyds but my mortgage is with c and g and the insurance is with widows so as far as im concerned they are who is taking the money each month.

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How long have you had this policy ?

Scottish Widows were ordered to pay millions last year for irregularities,and other issues to customers spanning quite some years.

How was the policy taken out originally ?

The first thing you need to do is calculate how much you have already paid.

Then make a preliminary request in writing for it to be refunded.

What is it exactly that you are unsure of at this point ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The policy is about 2 yrs old now.

The policy was taken out when i remortgaged in 2009 and was offered life insurance

It works out at just over a £1 each month for both me and my partners policy

Just dont know where to start to claim it back, spent ages scanning thru posts, is there a template letter to send do i need to find the terms and conditions?

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Ok understand.

Right,first of all you need to establish why you think it was missold or is not of any benefit.

PPI Insurance differs greatly from one policy to another,that is to say that there is no template letter as such for a one fits all use,the letter needs to be specific to what you believe was unfair/that the PPI was no use or benefit to you.

Yes it is a good idea to have the terms and conditions,although most are easily found on the internet.

Its also a very good idea to look around and see which terms and criteria that others have used to claim back PPI in the case of Scottish Widows-I am sure there is no shortage-I will see if I can point you to any CAG cases.

So the process is as follows;

 

1.Identify a case for refund.

2.Make a preliminary request in writing.

 

The focus on PPI and investigations/guidance from the regulators I think began to really start around 2008.

Many Financial Institutions dragged their feet,which led to the regulators ordering them to deal with claimants.

In many cases refunds were made relatively quickly and in some cases they were ordered to make refunds.

But I think as things went on-some policy wording was changed as they became aware of the claims implications.It was only in 2010 however,that the Industry finally agreed to make positive changes,faced with the threats friom the regulators and new guidance.

Some of the main points which have led to refunds include;

 

1.Applicant was not given alternative options which may have cost less or offered better packages.

 

2.Applicant was led to believe that without taking the PPI they would not get the loan/insurance

 

3.The benefits of the policy were unsuitable (Example-the policyholder was self employed)

 

I will see if can find some cases and post here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Here is an example of typical reasons to seek a refund.

This is a case which was referred to the FOS and upheld in the applicants favour.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/omb-decision-B.pdf

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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