Hi, I received an N1 claim form on Saturday for a debt I owe to a property management company. Been speaking to them over the last few weeks and made an offer to pay £39pm to clear the debt. They said they'd get back to me before taking any action as they wanted time to decide whether they could accept the repayments. I then receive the N1 form without any warning. Is it possible to keep this out of court and try to agree a mutually acceptable plan with them or is it too late? Debt - £2140 Details - Payment of money for services rendered & interest Date of Service - 17th Sept I fully accept I owe the money and want to pay it back. Obviously I'd like to avoid the CCJ What do I do know? Thanks in advance to anyone who could help.

No response from my latest letter. Sent on 17th April. Any advice on what to do now? Thanks

Thank-you for your recent response regarding what was, when sold, called Income Protection, but now conveniently renamed Permanent Health Insurance. I do not agree with your statement that the claim is invalid and I am prepared to take this as far as necessary to reclaim the £2562.88 that I am legally and rightfully owed. As you have been unable to demonstrate and prove that this was a fair policy which accurately reflected my requirements then I am demanding a full refund of all the premiums I have paid to date together with the standard statutory interest of 8%. To re-affirm my complaint I believe that I was mis-sold this policy for the reasons given below • I was led to believe that my application for credit may be affected if I did not take out the insurance. By forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory • I already had relevant cover with my employer in place which the advisor knew but still pressured me to such an extent, that I felt unable to say no to the additional policies. I’m aware that The Financial Services Authority (FSA) has already fined you £675,000 for failures in your procedures which led to the mis-handling of complaints. I trust you are also aware that as this matter has not been settled within eight weeks I have no option but to refer my case to the Financial Ombudsman Service, FOS, for their investigation. I look forward to a swift and satisfactory conclusion. Yours faithfully That should be ok then?

My letter! Any good? Dear Sirs/Madam Thank-you for your recent response regarding what was, when sold, called Income Protection, but now conveniently renamed Permanent Health Insurance. I do not agree with your statement that the claim is invalid and I am prepared to take this as far as necessary to reclaim the £2562.88 that I am legally and rightfully owed. As you have been unable to demonstrate and prove that this was a fair policy which accurately reflected my requirements then I am demanding a full refund of all the premiums I have paid to date together with the standard statutory Court interest of 8%. I trust you are also aware that as this matter has not been settled within eight weeks I have no option but to refer my case to the Financial Ombudsman Service, FOS, for their investigation. I look forward to a swift and satisfactory conclusion. Yours faithfully

Thanks, Does anybody have an idea of how I could word this letter. I'm not great with this sort of thing and worry that if I send a badly written/worded letter then it may affect my chances of getting the money back. Thanks in advance

Yes it covered my mother's payments if she fell sick and was unable to work. Thanks. Is there a template or example of what I need to send next anywhere?

Anybody know about what I should do next?

Got a response to my letter and excel spreadsheet totalling the claimed amount today. Freinds Provident claim it was never PPI but PHI (Payment Health Insurance) therefore the claim is invalid. They also claim there in no proof of any pressure being applied when sold and that my mother also had a 14 day cooling off period at the time. What is my next step?

I don't think they've even done that though.

I recently sent this letter to MINT asking for a copy of the default issued against me. After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against an account in my name. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 cheque in payment of the statutory fee. 2. You must supply me with a signed true and certified copy of the original default notice I would request that this data is provided to me within the next 14 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. They have sent me this letter back. There is no copy of the default included. There's a copy of the original credit agreement, some general condition sheets, a replacement card letter and a copy of the Feb 2012 statement. Yet they have taken the £1 cheque I sent. What should I do next? Thanks

Is there a letter template that I can send to accompany the spreadsheet?

"Provi then pitch up and flog her a payment protection policy as a separate item?" Exactly The PPI policy was taken out at the same time as the mortgage. My mother knows the date and amount of every payment since it was taken out. 10 years+ What should we do? Send a letter from the library?

I've noticed whilst looking through my credit file that Halifax have issued a default on my file. This was in May 2009. I saw a similar thread and sent them this letter with a cheque for £1. After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against an account in my name. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 cheque in payment of the statutory fee. 2. You must supply me with a signed true and certified copy of the original default notice I would request that this data is provided to me within the next 14 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. They have responded by sending me a CCA. I never asked for this so why have they sent it? Any ideas and what should I do regarding the default removal. Could this be a sign that they don't actually have the necessary paperwork?

Anyone got any idea on this?

No the mortgage was never with them. Only the PPI was with them. My mother doesn't believe there is any other charges as she's never missed a payment. There are two policies. One covering after 26 weeks off work then another with a different policy number covering after 52 weeks off work. The payments have been exactly the same since the policy started.