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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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Welcome Finance say ppi claim is statute barred


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Hi

i have been a member for a while and this site has helped me claim back 2 welcome ppi claims already for which i am thankful to the site and its members for giving me the guts to claim against this firm.

 

i still have 2 claims against welcome for a loan and a top up loan to pay the first one off they are now fully paid off however when i have gone back to welcome they were happy to repay 2 of the loans ppi but not the earlier 2 they said these are statute barred because 1 was taken out in 2001 and the other was taken out in 2002 with a final payment in 2003.

 

i completed the original sar in feb 2007 and got some information back however by september they had still not provided me all the information so i wrote to the FOS and they have said because welcome were not regulated at the time they would not be able to help. they said to write back to them as i may be able to persue a complaint through the FOS against the underwriter.

i have contacted welcome and they were not forthcoming with the underwriters name so it has taken me until now to find out who actually the underwriter is.

 

i would like to ask the forum what can i actually claim for as the ppi alone amounts to over £7000 that is with adding the 8% from the cag loan spreadsheet.

 

can i reclaim the following over the 2 loans from 2001/2002

Healthcare = £760.00

emergency homecare = £95.00

Mortgage indemnity fee = £946.00

 

your help in this matter would be greatly appreciated

I think i have all the information to move forward please let me know

 

pudsey2

Edited by citizenB
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Go back to the FOS and inform them that Welcome are not keeping their records properly, they should have this information for at least 7 years after the closure of the account for financial purposes, let alone reporting purposes.

 

The FOS may have records of their own whereby they can find out who the original broker was and then use their own schemes for paying you out.

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Have moved thread to PPI forums :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am not sure they can claim these are statute barred - I think the time starts from when you could reasonably have been aware the product was mis sold.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

First off fos won't be able to help with the PPI part as it is the FSCS who are dealing with Welcome's PPI claims (It is Welcome staff in FSCS uniform)

 

There is no time limit as such on PPI claims so you should be after Welcome on this. The PPI was on their loan agreement, you paid them and they charged you the interest.

 

The MIF may be more difficult but the other insurances are claimable if they were mis-sold.

 

What paperwork have actually got for the loans that have not been upheld?

 

Oh and by the way, given the value of your PPI, the FSCS will pay out 90% of the value of claims.

 

To get a bit more information you could go and have a look at the FSCS website

 

Regards

 

ims

 

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Hi all thank you for reponding at present i have all the statements on the four account that i held and the copies of all agreements that they have provided.

welcom have written letters telling me i am not elegible to claim back my ppi because they were not regilated at that time. i have complained to the fos that they are using stalling tactics and they are to invesigate further.

i have contact the direct group to get copies of the insurances however it appears that they are just generic forms and policy numbers so really no further forward apart from that i have already claimed through a third party for 2 of the agreements and been paid out ppi but not insurances or MIF so if succesfull i would like to go back to them and claim all the insurance back to. the welcome staff wcfs have said i cannot claim as they are looking at cases after the date they were instructed to do after 2003 i think.

can someone advise me on what to do next?

 

many thanks pudsey2

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the FSCS aer dealing with all welcome claims

and certainly are coughing on claims of that age.

 

why are they wriggling?

 

you might have upset them by using a claims co.

which is really eating your profits here

 

do it yourself!

 

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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Hi

 

ok so its out of the time bracket that the FSCS are handling.

 

So you should now be thinking of taking on Welcome head on and that may involve you issuing in court if you want to get this money back. If issuing in court the onus of proof of mis-selling will be on you as the claimant.

 

First off you should prepare a spreadsheet of your claim amount....have a read of No.1 in my signature on how to do this and use the spreadsheet at the end.

 

You would then send Welcome a letter detailing your complaint and giving the reasons why the PPI was mis-sold and requiring them to make a refund. If they fail to do so or deny your claim then you would issue a Letter Before Action giving them another seven or fourteen days (whichever you feel comfortable with) and if they till don't cough, then you issue in court.

 

ims

 

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Hi i have taken out the loans with a apr of 34.1% on 1 and 29.3 on the other they alo have different monthly intrest on which is 2.0% and 1.85% respectively does this have any effect on your speadsheet as the figure i have already calulated using a cag spreadsheet that takes in to account different interest rates?

also should i use the figure "insurance premiums advanced" from the statement that welcome sent me?

 

regards

pudsey2

Edited by pudsey2
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you work out the PPI PCM

 

then use the SI spreadsheet

 

their int rate is included in the PPI PCM you calculate

 

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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link 1 below?

 

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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Hi DX thank you for the info can you tell me what i should be putting on the si sheet

is it the full amount of insurance premiums advanced to the account or is it just the monthly interest on each payment on loan 1

 

i had 1877.91 advanced on the apr of 34.1% and a monthly interest rate of 2.00 according to the finance form provided and on loan 2 1577.71 premiums advanced with an apr of 29.3% and a monthly intrest rate of 1.85% i am a bit confused at what i should be putting on the sheet do you have any examples or pointers at what i should be filing in

 

Many Thanks

pudsey2

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sorry ims21 i have read through the documents and i am still none the wiser if i send you the form i have completed would you be so kind as to give it a look over to see if i am filling in correctly.

i have electronic copies with personal details blocked out? or if any member of the forum has done this in the past would they mind helping.

 

regards

pudsey2

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Hi

 

You can post them up here in the forum, as you say MINUS ALL PERSONAL INFO AND IDENTIFIERS)

 

Use this method by dx100uk

 

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

 

ims

 

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looks like this is more interesting

 

you've had a rebate already

 

and its a rollover

 

but 96 mts blimey they saw you coming!

 

and its a asecured loan

 

and they've chagred a MIF

 

you cant put penalty fees and ppi reclaim on the same soc

 

they must each have their own

 

for each loan

 

workout what % the cash PPI price was of the whole loaan cash price

 

then apply that to your PCM

 

that will tell you what % of your PCM was PPI

 

then enter EVERY PCM payment of the PPI into the sheet for PPI.

 

use the SI sheet

 

for the charges use the CI sheet

 

and welcomes APR

 

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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thanks dx

i know they have charged me 2 x MIF for the rollover do i have to have seperate claims for them and how do i go about it because on the 2 ppi claims they have already paid out i paid £1760.00 in MIF's

and i have not even claimed those back. i think i will need a bit of guidance from the cag team here as i think i am a bit out of my depth.

 

regards

pudsey2

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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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dx is there any chance you can help me sort this mess out as i have to claim back the insurances off four different accounts and the ppi of 2 and the mifs of 4 accounts all at different rates i do have all the paperwork just need to sort out so i can either claim direct or go to court whichever is the easiest. or if you can reccomend one of the caggers to help?

one last thing can i claim back the acceptance fee's?

 

regards

pudsey2

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