Thanks Will do, what about the £10.00 fee, will they take payment over the phone and reluctant to send money. I do not have a check book.

Virgin have something on thier website, think it's called NRAM, who deal with claims against NR. This is the e-mail address [email protected]

Have you made any progress with this?

I phoned Halifax about 3 weeks ago and complained that I had been miss sold PPI ( to be honest I did not know if I had it because I had thrown paperwork out because it was from 1997 to 2006). I received a letter about 2 weeks ago saying they were looking into it. I have received a letter today ( confirming I dis have it) but they have rejected my claim under 'Optionality' and it says the following: I can confirm that it has never been a requirement to take out a PPI policy in order for a mortgage application to be accepted. In addition, taking out PPI would not have improved the chances of your mortgage application being successful. I am also aware that the mortgage application form clearly demonstrated to you that your PPI was optional and I have concluded that the adviser did not miss-lead you in anyway ( how do they know this if they were not present and I bet the adviser was on commission). They say in the letter that during the original phone call I said I was not given an option as the reason. They have not rang me to ask any questions or sent a questionnaire out, so I do not know how they could have investigated this. They say if I disagree I can ring them or write to the or refer to the FOS. So I did not know I had this, I have checked bank statement and no payments to Halifax other than mortgage payment, so can only assume it was built in the payment or added to mortgage. How could I find this out? At the time this was taken out I was in full time employment and entitled to 6 months full pay and 6 months half pay, as well as 15 years redundancy. furthermore, about a year before I was miss sold this I had been medically retired from my manual job due to back problems. I was fortunate to be given a white collar job and received a pension, which was enough to pay the mortgage payments if I had of lost my job Any help would be appreciated as I am more annoyed that I have been paying for something I did not know I had or needed.

Hi, Can someone give me some advice please? I sent my allocation questionnaire off to the court on Thursday. I received two separate letters from Lloyds solicitors yesterday, both with the same date on. One letter says that they are not prepared to refund my bank charges and that I need to contact Lloyds about my account. The other one is offering to refund the charges and says the offer is confidential and that if I accept I need to sign the offer and return by the 2nd July. If I accept they will pay the money into my account. Once the money is in my account I have to write a letter to the court saying I want to stop proceedings. Is this a new tactic or should I sign and get my money back?

Hi, Can someone give me some advice please? I sent my allocation questionnaire off to the court on Thursday. I received two separate letters from Lloyds solicitors yesterday, both with the same date on. One letter says that they are not prepared to refund my bank charges and that I need to contact Lloyds about my account. The other one is offering to refund the charges and says the offer is confidential and that if I accept I need to sign the offer and return by the 2nd July. If I accept they will pay the money into my account. Once the money is in my account I have to write a letter to the court saying I want to stop proceedings. Is this a new tactic or should I sign and get my money back?

Hi, I have just received the Allocation Questionnaire for the small claims track route. On the front of the form no fee has been hand written, I assume this is because my claim is less than £550.00? I want to take someone with me for support, does anyone know which section I would put this under? With reference to section E Experts, I assume that I put nothing in this even if I use some kind of report that others have used in these types of cases? Do I send in copes of all the letters I have sent to Lloyds? If yes, does this go under section G Other Information? What other stuff should I be putting under section G Other Information? Do I need to send anything to their legal representatives or does the court send them a copy of the stuff I submit? Any other advice would be appreciated as I do not want to loose by making a mistake

Hi, I have just received a letter from the court today titled "notice of transfer of proceedings", within it is a 9 point defence by Lloyds. The 9th point is just saying they have denied the claim. Would someone please advise me on what I do next! There is no allocation questionnaire attached, this line has been scratched out. Do I just wait? Do I need to send anything to the court? Do I have to pay any money? Help would be appreciated.

Hi, I got a letter from the court saying that Lloyds have acknowleged claim and they have 28 days to respond. Is there anything I should be doing in the meantime?

Hi GaryH, I am prepareing for the next stage after submitting my claim on-line. What do you mean by schedule above?

Hi GaryH, I am prepareing for the next stage after submitting my claim on-line. What do you mean by schedule above?

Hi, I have just received confirmation of my claim, which I used Moneyclaim to do, but on the confirmation slip it says it is assigned to the Northampton Court. Have I done something wrong as my local Court is only 10 mins away in North Shields? Are all Moneyclaim claims assigned to Northampton? If so will I have to atend their or can I ask for it to be changed?

Hi, Thanks to all for help and advice. I have just filed my cliam on-line so will now wait and see what Lloyds come back with. No doubt I will be asking for some more help and advice shortly.

Hi, Thanks for the response. Where can I find GaryH(STAR) site got a court date ?

Hi, Did Lloyds not acknowledge receipt of your letter? Have you submitted your claim on line?

Hi, I followed the templates on the Martin Lewis site and it gives them 7 days. I was just wondering if I should give them an extra few days before starting the court proceedings on-line. However, after reading quite a few threads it would appear that Lloyds are making most people go to the court stage.

Hi, I sent letter to Lloyds giving them 7 days or I would start court proceedings, the 7 days are up and I have had no response. Should I submit my claim on-line or give them a few more days?

Hi, Did you send letter and if so have you had a response?

Hi, I have had a letter back from them and they are not offering to refund the charges. One paragraph of the letter reads as follows : The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them , but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This does not apply to your charges as these were for dealing with your request to go over your agreed overdraft limit.They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations. Is this standard crap and can I still claim?

Hi, I have the same on so it must be a standard new letter they are sending. lets hope someone can advise us. I have sent them a letter today threatening to start court proceedings.

Hi, I have had a letter back from them and they are not offering to refund the charges. One paragraph of the letter reads as follows : The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them , but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This does not apply to your charges as these were for dealing with your request to go over your agreed overdraft limit.They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations. Is this standard crap and can I still claim?

Hi, I have had a letter back from them and they are not offering to refund the charges. One paragraph of the letter reads as follows : The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them , but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This does not apply to your charges as these were for dealing with your request to go over your agreed overdraft limit.They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations. Is this standard crap and can I still claim?