does anyone know where i can find POC for PPI, need to file asap against these buggers now....

once i have filled in my POC is there anyone who will check it over for me please and whats the next stage...

right, sorry not been here for a while, whats the next stage to proceed against these buggers to get my money back. hope do i go about filling in my n1, any help would be good ta

right, sorry not been here for a while, whats the next stage to proceed against these buggers to get my money back.

Many thanks to tomtubby for the all the help so far in this matter and the kick ass letter template kindly provide. It was a such a welcome telephone conversation we had, and without this kind help I think I wouldnt off been able to complain about these people. I have emailed the letter today and also sent it recorded delivery to Equita, will keep you all informed on how i get on Please keep up the good work tomtubby.

many thanks for your comments, I was led by the bailiff to believe I was signing to agree I would pay the money back at £150.00 per month. Too much really, he did write down the following items 1 * Colour TV 1 * DVD Player 1 * Microwave 1 * Table and Chairs now i have to stress that this person did not at all enter our home. I will send PM with his name tomtubby, many thanks in advance would really welcome your assistance on what to do

many thanks, will try and get in touch with Tombuddy

Urgently need help....... I was visited by a Bailiff from Equita on Monday regarding ones outstanding council tax for this year. the council must of applied for a court order of some kind to recover this debt. I did send a means test into the council regarding my finances, but never heard anything back from them until this person attended my home. After a brief chat explaining that I hadnt had any communication from the council with regards my means test information. he explained that they would be looking for a payment of £150.00 per month. I have just looked throught the form he left and asked to me sign. I was outside working on my works van, doing a stock check, so he didnt get entry into my home. But it appears that the document and form I signed is a walking possesion....he never explain what this, my fault for not understanding all this, it was dark and i didnt read it..... oh my god what can i do, it appears these people now have the power to actually force entry into my family home

Urgently need help....... I was visited by a Bailiff from Equita on Monday regarding ones outstanding council tax for this year. the council must of applied for a court order of some kind to recover this debt. I did send a means test into the council regarding my finances, but never heard anything back from them until this person attended my home. After a brief chat explaining that I hadnt had any communication from the council with regards my means test information. he explained that they would be looking for a payment of £150.00 per month. I have just looked throught the form he left and asked to me sign. I was outside working on my works van, doing a stock check, so he didnt get entry into my home. But it appears that the document and form I signed is a walking possesion....he never explain what this, my fault for not understanding all this, it was dark and i didnt read it..... oh my god what can i do, it appears these people now have the power to actually force entry into my family home

bump again, help please

well it appears capital one have no intention of giving me my PPI payments back, I have sent a LBA for this and they have rejected it, what would the next course of action be for this

I have asked for both, but havent seen a proper CA they sent me the terms and conditions and a photocopy of a signature strip i sent them back. I applied for this online and didnt fill in a paper application form

it was an online application, I have requested a CCA a while ago and there was no mention of it, they only sent me a copy of a signature strip signed by me. They havent sent any documentation in relationship to my PPI

Hi all, just had a response to my LBA from Crap One and suprise suprise, a rejection letter telling me they did everything correctly. Can this be true, i am pretty sure I never ticked any boxes or signed anything agreeing to this. please what should i do now

please need help on this one. How do I get them to send a complete account history, need to claim both my PPI and charges against them, if I cannot get this information, do I take it i cannot proceed. (So they win I guess)

I have applied to two credit card companies via a CCA request and Subject Access Request to find out what information they hold on me. They both have been charging me PPI since I took the credit Cards out. I can honestly say that I cannot remember requesting it. Would I be right in thinking that they have to supply me proof in writing in writing that I requested it and some kind off signed agreement by myself. your thoughts would be welcomed

I am just about to file a N1 against capital and was wondering, am I allowed to change my charges claimed form to include futher charges incurred and also work the complete interest out up until the date I put the claim in.

I am planning on sending this letter, your thoughts would be welcomed. LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: 1234567890 My thanks for your letter dated 12th September 2007 regarding my claim for a refund on my Payment Protection Payments made to Capital One. I once again stress that, I have no knowledge of signing any document regarding payment protection. If this was the case and I had requested payment protection, then why did you cease taking payments in February of this year (2007). I am therefore once again requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act. I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then, I request my money back - £273.39p , I also wish to claim interest of £229.34p making a total of £502.73p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 14 days otherwise I will have no alternative but to pursue this matter through County Court. yours faithfully,

letter sent

really need urgent help on this one now, please

this is the reply i finally received from them, please can people give me there thoughts. I can honestly say that I cannot ever remember asking for this on application, they havent supplied my any documentation to say or prove this. Even though i enquired about making a claim under it, doesnt mean I actually requested payment protection. in either case why did they suddenly stop taking payments earlier this year.

bump

this is my reply with regards rejection there initial offer, thoughts please American Express Services Europe Ltd Data Protection Office Dept 2007 Amex House Edward Street Brighton East Sussex BN88 1AH Dear Sir/Madam, ACCOUNT NUMBER: 1234567890 Response to settlement offer. Dear Mr Dobson, Thank you for your letter dated 25th September 2007. I respectfully decline your offer as full and final settlement and request, once again that you return to me all charges imposed on this account, totaling £455. plus a further £153.87 8% interest totaling £608.87. I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. If you do not accept my conditions for acceptance, or you do not respond within 14 days, I shall have no alternative to pursue the recovery of said monies through the County Court, including any further costs incurred by myslelf. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter. I trust this clarifies my position. Yours faithfully

bump

finally received a package from the Halifax, oh my god, just how much information is there here. going to take me ages to wade through it all