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Just Frugal

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  1. Hi, I'm considering taking action over a Mortgage I had and have the following questions: The mortgage was arranged through Lloyds TSB, but was provided by Chelt and Glocs - Should I be writing to Lloyds or Chelt and Gloucs for Subject Access Requests and for my first letter re mis sold PPI? I can't work it out because I saw a mortgage advisor at LLoyds TSB to arrange the mortgage, fill in forms, sign things etc but my mortgage statements are on C&G headed paper, but all my PPI type insurance paperwork (schedules etc) are on Lloyds headed paper but the PPI was with C&G. So I guess both companies would hold data on me - hmm confused. Also do you advise a full Subject Access Request before initiating a reclaim for mis sold PPI? I have all my mortgage statements and an initial quote document, schedule etc. Also on my mortgage account statements, there are around £480 of charges all at around £30 for returned Direct Debits for monthly payments... Can I try and reclaim these, or does the OFT case and the stays of court action apply in the case of mortgages? Once I know the answers I can open a thread/s in the right place btw I've previously reclaimed bank charges successfully with the help of CAG but am rather a newbie at looking at PPI. Thanks.
  2. Quick question. am looking at helping a friend reclaim their charges - they have a lloyds credit card to claim on and a standard current account. should they do one claim or two? only asking as credit cards are slightly different - i'd assume they do them both together. re gary - yes no problems.
  3. hope you had another good night out (i went for a curry to celebrate, damn, it tasted good!) and enjoy your holiday too... i'm going to start on round 2 next week
  4. thanks for all the congratulation messages 90% of the money has gone towards paying off overdrafts etc - it's going to make a huge difference to my budget each month. for info [problem] had filed their bundle with the court on the 20th june (2 days before deadline) - I was never informed nor did they send me a copy. I'm going to pop into court next week and go and have a look at it just out of interest. thanks again, survey filled in, donnation to follow
  5. Wahooo! I won too!! £4932.92 credited to my account yesterday - that's all charges, 8% interest and court fees - nice. thanks for the help too matt ...now this is settled I have some others in my sights Cheers!
  6. Wow I WON!!!! just checked my account after seeing that Mattyb13 had been repaid (as we were due in the same court on the same day) and there it was.. a nice new 'BC Refund' of £4932.92 That's all charges, 8% interest and court fees - nice. I'd sent my bundles off on 21st June and court date was 5th July. I really didn't think I'd hear anything until maybe the day before court. YIPEEEEEE!! Thanks to all for the help. Using this forum has been a very positive experience. Also found another old TnC which i will scan and send in to evidence address. Letter tp be sent to court now. Wonder if I'll get any communication from Lloyds tsb or [problem] about this.... Donation of course also to be made to the forum Gonna go dance around the house again now! Thanks all x
  7. Nice one Matt! Congratulations!! gonna go check my accounts now - fingers crossed!
  8. I'm going to include the Lloyds TSB card TnCs in my bundle, but should i then include a para about clause 9.2 in my witness statement re breach? i guess i'm also asking should i detail in my witness statement every document i intent to refer to?
  9. re allocation payments where AQs have been dispensed with: - I called the worcester court yesterday to check about paying the allocation fee as on other threads I've seen other people having to pay it, but the courts being slack in requesting it. worcester court said that normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases at worcs court have been dispensed with as well. nice.
  10. I called the court yesterday to check about paying the allocation fee as on other threads I've seen other people having to pay it, but the courts being slack in requesting it. worcester court said that normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases at worcs court have been dispensed with as well. that's what we like to hear
  11. same here matt - I called the court yesterday and they said that yes, normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases have been dispensed with too - hurrah for the worcs court
  12. hi matt, i got my worcester court date through as well and it's the same day as you - in fact i'm straight after you! re the AQ fee - afaik the fee is still payable for 'allocation'. from reading other threads it seems the courts are forgetting to inform people they have to pay this as their paperwork system isn't up to speed with dispensing with AQs yet. i'm gonna call the court today and check. also i was going to send a similar letter to [problem]
  13. Got a letter today saying the district judge has allocated to small claims track. Hearing of claim will take no longer than one hour - date of hearing tbc. Bring it on!
  14. hi mattyb13, if i were you i'd call your court to check with them. I got the same short letter today from the county court in worcester and when I phoned them they said I was not going to get an AQ. As such I'll be sending in the draft order for directions in as a suggestion to the judge.
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