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Everything posted by Bgm_co

  1. I am going to sit down and have a read on here tomorrow as I have ben a bit busy, I will also try get some scans of the past reports.
  2. There are pot holes there at the edge of the road in the same place my car got damaged, but the google images are from 2008.
  3. I hit a pothole back in August which damaged my tyre and wheel resulting in me having to purchase a brand new wheel and tyre. I reported the pothole, and got a reply that the hole did require attention. Once I had my car repaired I sen the council a claim form along with photo's of the hole and damage to my wheel. And I'm pretty annoyed right now as this is the reply I received from the council legal department: (I had to take a photo of the letter as I have no scanner right now) Page 1 Page 2 Could someone out there in the know point me in the right direction to go with so? Thanks
  4. I will let them know of this up coming law... A couple of other quick questions, are they alowed to log my car details on a database? are they allowed to touch my car? There are no displays saying a car needs a parent badge! As they consider this an inconvenience caused on my part, I feel there is aninconvenience on there part for joining so many member to the club that the car park is over flowing to the point it can take 5 minutes of driving around to find a space.
  5. So I come out of the gym to find this under my windscreen wiper.. This has annoyed me a fair bit as yes I was parked in parent and child space but at peak time there are often times when there are no regular space. It annoys me that this letter comes across kind of threaten , I am a member that pays £135 a month for a joint membership. This is a private car park own by the club and they are threating to operate a wheel clamping system, this ticks me off. What are my rights here? I would like to write them a stern letter explaining why this wrong. I would also like to say in some way that they do not have my permission to touch my vehicle. They are quick to accept no responsability to when your car gets damaged in thier car park which actually has happened to one of my old vehicles. Not happy with this club I have been a member with for about 5 years..
  6. Ok thanks, are there any template letters around for this sort of issue do you know?
  7. Hey DJ, thank you for dropping in on this thread its much appreciated!! So there phone calls are nothng to worry about? I'll add some bullet points of info that hopefully shed some light and clarify my situation: I was in arrears of about £1900 I think. I sent my letter requesting them to investigate the PPI, the letter was dated 2nd sept When I spoke to Santander recently they said the date the whole loan was handed over to Moorcroft was the 4th sept Santander agreed to pay back PPI and interest etc I recently phoned Santander to see what was going on because I hadn't heard anything since the letter to pay back the claim The guy told me the full amount paid back had been paid off the arrears and now I only owe £4900, and that Moorcroft will be chasing becuase the debt no longer is owned by Santander.
  8. Cheers for help DX, managed to get a PM sent off to dj1971 tonight so hopefully they will take a look. Moorcroft are calling me everyday at the moment so I expect I will see a letter in the post soon.
  9. Tried to send him a private message but his mailbox is full so wont send
  10. Hi the breakdown of the amount paid back to me was as follows. A - Total monthly paid premium = 3304 B - Interest on (a) at date = 716 C - Pro Rata Rebate Figure = 2165 D - Minus PPI rebate used when loan repaid = 612 E - Rebate outstanding C-D = 1552 F - Total (A+B+E) = 5573 Hope this helps? Basically for me, I'd like to carry on paying the remain of monthly... I deffinately can not afford to pay Moorcroft £4900, and they actually called me today
  11. Hey.... OK so I have had some success but still have a problem!! SO... The abbey (santander) have agreed that I was not provided sufficient details when to make an informed decision while taking out the loan... A. I was self employeed B. I was told I had to have the insurance to have the loan. Santander have paid back a total of £5573.39 Now this is where it gets stupid (in my opinion)... My PPI claim letter sent to Santander was dated 2nd September, I was behind with payment to the total sum of about £1900 pounds and still had a remaining 11000 to pay off the loan. On the PPI repayment it says *please note: As Your account is currently in arrears, the redredd amount will be used to reduce the outstanding arrears on your loan before the balance, if any, is paid to you. So I am thinking ok they will take the £1900 out of the sum and send me the difference and I can get on paying my loan off monthly. As mentioned above, on the 4th of September Santander wrote off my whole loan account and passed it on to Moorcroft debt collection. I phoned Santander to ask them what was going on as I hadn't recieved any payment reference my PPI, the person said we do not own the DEBT any more and your PPI claim has bee taken off your total amount owed of 11k reducing it too £4900. My argument with this guy was I was in arrears £1900 so the PPI payment should of covered the arrears and the difference sent back to me and I should be allowed to finish off paying my loan off monthly and that I should also have any marks against my credit score removed. I base this opinion on the fact that they had £5500 of my money they have just paid back me because they miss sold me the loan so really speaking was I ever in arrears?? In all honesty I am a little confused, can they do this, my letter was dated 2nd of september disputing the loan and they must of passed the loan off to Moorcroft on instant reciept of my letter. I am happy to get the miss sold PPI back, but I would like to finish paying off my loan monthly and I would also like any marks against my credit rating corrected. Can anybody help to tell me what can I do?
  12. Sorry I didn't mean to copy the reply bit, I was just wondering if that letter was suitable to send for now? while I try and get the rest of my details from sending SAR.. My main worry is that this has already been handed over to Moorecorft, and I have paid more PPI than I actually owe in arrears.. So I want to get something to them ASAP for piece of mind..
  13. One question, should this also ask for any voice recorded conversations?
  14. Right, I've made a bit of a cock up.... The agreement i posted doesn't seem to be the right one, I must of had a second one amended that I signed. I feel like I might of put myself up a creek here without a paddle... I need to move fast enough to get Moorecrofts threats of my back who are now acting for santander!! I still owe about 11K... If I use this letter that I found on here, should it be enough to stall them so I can get a SAR out to get all my details from them? __________________________________________ Here's My letter I purchased the above policy from you in [Febuary2003] in connection with the [loan agreement] referenced above. I believe that I was mis-sold this policy for the reason(s) given below, and wish you to investigate my complaint according to your normal complaint procedures. I was not told that the insurance was optional.[/font] I was led to believe that my application for credit would be rejected if I did not take out the insurance. The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me. I now believe the insurance was unsuitable for me as I was [self employed] at the time I took out the policy and was not made aware of the specific exclusions relating to unemployment cover. If my complaint is upheld I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money. Please now investigate my complaint within the eight weeks allowed to you. Yours faithfully And here's their reply. Halifax Boffins UK. __________________________________________________
  15. are any of these templates on the first post any good to me?? http://www.consumeractiongroup.co.uk/forum/showthread.php?61081-PPI-Some-Notes-for-Claimants.. I am self employed and was never offered a loan with out PPI.
  16. I've just got in and have a letter from debt collection company saying santander have passed the loan over to them.
  17. Where can I find the PPI letter claim templates?
  18. For some reason I can't post img links so here is the list of documents I have copied. 001 http://i56.tinypic.com/ooktk.jpg Headed Letter 002 http://i52.tinypic.com/16awhsm.jpg PPI header Note 003 http://i56.tinypic.com/fcsksj.jpg PPI Leaflet p1 004 http://i55.tinypic.com/2ajqjhg.jpg PPI Leaflet p2 005 http://i51.tinypic.com/1zq3igi.jpg PPI Leaflet p3 006 http://i53.tinypic.com/91b5fs.jpg PPI Leaflet p4 007 http://i52.tinypic.com/2zxxe8w.jpg PPI Leaflet p5 008 http://i55.tinypic.com/5wxweu.jpg Contract (not signed) 009 http://i52.tinypic.com/5doz1j.jpg Contract (Customer copy) 010 http://i54.tinypic.com/23vj0ww.jpg Contract Terms on back
  19. I found this contract, but its not signed so will request a copy from Abbey.
  20. General Details. I am self-employed running a limited Company. I've been self-employed since 2003 doing this job. Loan is with the Abbey I took the loan out in 2005 PPi is about £48 a month
  21. Hey I'd like to get started on claiming back my PPI on my Abbey loan, I have some copies of documentation I have here which I will upload jpegs of.. And I will get reading to check out the process I need to undertake in looking to claim. Any help and advice would be much appreciated!!
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