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    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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Gingi1 v PPI (FD, Co Op & M&S)


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Hi,

 

I have already sent a letter to M&S requesting a refund of my mis-sold PPI on my credit card (approximately £350) and am awaiting their response.

 

I will be claiming back PPI from First Direct as well, although I am unsure of how to get the information. I sent a S.A.R - (Subject Access Request) requesting the info and they sent me illegible copies of my loan agreements except for one. The one that I can read the states:

 

Amount of premium 2585.36

Amount of loan 2580.00

Charge for credit 743.56 APR 9.9%

 

Total payable 3323.56

 

But the ACTUAL loan was for £13100, so is the above just the PPI? If so, no wonder they made the other copies illegible :lol: .

 

When I wrote to them explaining that the copies were illegible, they replied saying that the copies were the best avaiable and if I have a problem to complain to the FO - which I have done today.

I will also be claiming back from the CO OP for a loan and my credit card.

 

I beleive that I have a strong case as I have proof from Allied Dunbar (now Zurich) that I had a private policy protecting me already.

 

How is it best to proceed? Any help appreciated.

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  • 2 weeks later...

Hi, Have you thought about contacting the Information Commissioners Office regarding the illegible copies of agreements that you recieved, I am sure that there must be something there that states that the information has to be in a elligible form. ( I will have a look through the ICO regs today if i get a chance.)

 

Its just a thought I had..It may be of help.

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thanks Ian, I have sent my complaint to the FO and am awaiting their response, I included the fact that they are denying me access to my own information and hope that they will then force First Direct to play ball.

 

Do you have any thoughts on the PPI above? Could it really be that much?:eek:

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Hiya gingi

 

its possible that it could be your ppi agreement my loans for £10000

and my ppi with their interst is £1789.72

Dont know what ian thinks ???

 

 

good luck and keep us posted

 

delly xx

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Hiya gingi

 

 

its possible that it could be your ppi agreement my loans for £10000

and my ppi with their interst is £1789.72

 

Dont know what ian thinks ???

 

 

 

good luck and keep us posted

 

 

delly xx

 

The rate for the PPI sounds about right, My PPI could have cost me over £18000 on my loan. Especially with single payment PPI, which you have aslo to watch because most of these only cover a 5 year period.

I got better PPI cover for a tenth of that cost and to cover the whole period of the loan.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 4 weeks later...

Wonder if any of you can help with this:

 

I have asked First Direct for information regarding PPI insurance mis-sold to me on several loans and a credit card. They sent me illegible copies of my loan agreements, when I asked for clearer copies or a spreadsheet detailing the costs, they replied that the copies received are the best they can do???? I have now lodged a complaint with the FO as I believe that mis-sold PPI will total over £10,000 (last 6 years on all loans and credit cards when I had a private policy that covered me and was forced to take their policy or not be accepted for the loan/card) my questions are as follows:

 

a) does the statute of limitations run from the first day of my enquiry/complaint or is it a rolling date?

b) is there any other way of forcing them to give me the information required?

 

Regarding Co Op I am sending off their letter tomorrow. I am claiming over £2395 plus interest for PPI on a loan and all of the PPI on my credit card.

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