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    • If you have legal cover and insurance, you can try going ahead with your Insurer. They may be able to refer you to their "Legal Partner" but do your research.  If you know where 3 of them live, you can attempt to take them to court, but in todays climate, going legal will not get you the result of £15k that you are after.    Others may have their own input - But in reality you are asking for £5k from each of them - Might find it hard to recover that in a timely manner.  Like I said earlier - Your option maybe to take the hit now and factor it in to future tenancies. 
    • I have insurance that covers legal matters for this property, and I can confirm it with the insurance company. I also know where the tenants currently live, as all three have moved to the same place. There's been a lot of mold growing in the property over the past few months. All the builders who came to look at it think the mold grew because the windows were kept closed, lack of heating. In the past few months, they haven't used much gas or electricity, as shown by the smart meter I checked. Recent trace and access report says there's no water leak in the property. I have lots of photos from when I moved in until now. But in court, more people usually want to sue the landlord, not the other way around.
    • simply write to them, offering one months fee, give them 14 days to accept. if they sont accept, ignore everyone. Harlands too! and the extra £20 penalty is not allowed either. thread title updated. dx  
    • So technically you could push it via the courts with the clause in the AST (I remember seeing something about this recently)  However if one has left the country - It might make it hard to recover it all from the others.    How would you look to bring action against all parties involved? Do you know where all of them currently are?  You can service to last known address but as you know they have moved on - It could be held against you by a judge if it goes all the way.    I think you need to consult a solicitor on this one - Its a complex claim against multiple people rather than a simple Creditor vs Debtor claim we see here. 
    • Initially, the property was let to four foreign students, but they are no longer on student visas. During midterm, two of them moved out, and two new friends of theirs moved in, one of whom is the lead tenant's British girlfriend. The lead tenant got married to a her and became a dependent who is now one of the tenants in the AST agreement. The third tenant found a work permit visa, and the fourth left the country a few months ago. Recent contract only three.  Please see the attached AST, which seems that I may be able to claim any costs exceeding the deposit. All ASTs were signed electronically using the MUDHUT template. AST-name removed.pdf
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LLoyds PPI Claim


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Hi All

 

I have instigated a PPI claim to Lloyd's bank regarding credit card PPI.

 

I have sent paperwork including a copy of my CCA where the PPI box is ticked. They now wish to speak to me on the phone as they need further information

 

Is this a wise move to answer them and can I shoot myself in the foot by answering questions incorrectly.

 

Many Thanks

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On what basis do you say that the PPIs mis-sold?

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Fine, then there is probably no difficulty about taking the phone call. Make sure that you emphasise to them that you were sold PPI on the basis that it would help you access a credit facility. Tell them that you now realise that this was untrue and that you were deceived into getting the PPI. Tell them also that you now realise that the reason why PPI was sold to you in this way was probably because the person who lied to you was probably earning a commission and you have only recently discovered this as well.

 

You could also tell them that you never advise as to the possibility of other products either with Lloyds or with other PPI providers.

 

You would be well advised to record your call before speaking to them. Read our customer services guide and implement the advice there.

 

Once you have answered a question, if you find that you are being asked the same question but maybe in a slightly different way then the best thing to do is simply to tell them that you have already made it clear to them and that you don't want to prolong the conversation. Tell them right at the outset that if there is any problem that you will be going to the ombudsman.

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I would NOT ever be ringing any bank regarding PPI. you need things in WRITING for a papertrail...

their questions are specifically loaded to get answers that minimise or totally negate your claim.

 

how did you start the claim?

did you get all the statements via and sar

use the FOS questionnaire and complete a spreadsheet detailing what your refund should be?

if you simply sent or used resolver or their online [Lloyds] PPI complaint section of their website

it will be treated as a speculative claim

 

so what sdid you actually do?

 

the FOS website examples have several classic cases of you already had full works cover and the PPI was totally unnecessary.= WIN

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

 

I have all statements etc from my SAR. I used Lloyds website and they sent me a form to fill in - not the correct way then I suspect.

 

Is it too late to send a different questionaire? If they do ring can I ask them to keep all correspondance in writing?

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simply tell them writing only

 

did you do a spreadsheet?

and your reason for missale was?

 

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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Share on other sites

then I would else you haven't a clue if the refund Is correct

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 think there should be a Govt body helping people with their claims... Many people just can't do this stuff for themselves... and then end up giving a large chunk of their compensation to companies who do the work on their behalf...

:???:

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There. Is

On the fca website

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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