Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Everything posted by OnMyWayOut

  1. I had a finance to buy a car several years ago that I'm looking into relating to PPI. At the moment I have the figures used for the loan but not yet found a copy of the CCA - this goes back to the 90's. The PPI claim is already in, but I want to be able to check their calculations when they respond. I know the amount financed, the PPI charge, admin fee, interest charge, monthly payment and number of payments. The admin fee was added to the first payment of 36. Is there a formula that lets you work out the interest rate given the information I have? I can provide real (or close enough) figures if necessary, but just need to know if there's a way to work it out using the pieces of information I have. Thanks, OMWO.
  2. I came to similar dead ends in my searches. I've noticed that the CCA has the logo of a certain insurance company on it (oh yus!), so is there any point in attempting to reclaim the PPI with them as the introducer/broker?
  3. Thanks, I'll have to chase up Paragon for the details as none were provided.
  4. Sorry, something came up that kept me away the computer. I also needed to find the FOS letter. The summarising statement in their letter says: - Unfortunately, because of the date your PPI policy was sold to you, it doesn't look like your complaint is something we can look into, as Paragon was not covered by our service at that time. I've found the CCA and although there's no tick box on the form as I mentioned earlier, all the PPI boxes had the information pre-printed with no option to decline. No policy documents were issued and I don't know who the policy was provided by. Another question arises from the Ts&Cs that were provided - there's no mention of the right to assign the debt, yet it was sold on to a third party debt collector.
  5. I had a personal loan from 1999 which had PPI on it. I didn't request PPI but the box on the CCA had a pre-printed tick in it. On challenging the PPI, Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them. The FOS haven't been much help. I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation. Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  6. I'm in the same situation where they claim not to be regulated at the time (1999), the PPI was already ticked on the CCA and the FOS haven't been much help. Does anyone have any further information regarding what was needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  7. Absolutely no problem. I wasn't posting to have a dig, but just to make sure that you were aware that something unusual was going on. I owe so much to this site. I would volunteer to help out with the IT side, but websites, forums and mail hosts are not my strength. I'm mainly a data person. My condolences to the team regarding your loss. OMWO
  8. Been thinking about this, but if that was the case I would have received all the other attempts at making up a name because my email domains are set to allow through any name at the domain. I do this so I can set up unique names for each site I have to provide an email address to. I also use multiple domains, so getting the exact name at the correct domain is far from guesswork or random chance. Both the accounts I have here use different names at different domains. I've been in IT since the early 1980's, before the internet was something the general public was aware of. OMWO
  9. Another one this morning to both addresses - seem to be sending one a day. OMWO
  10. Can Jumbomail check to see where the redirects are going on the links in these emails? OMWO
  11. Had that one (twice - one to the old account email address and one this account email address) here too. Same headers as you would expect. Someone has access to the CAG accounts somehow. Both of my email addresses involved are unique to CAG and not obvious. OMWO
  12. I've not logged into CAG with this particular username since well before 2008. The only emails I get to the associated email address are CAG newsletters. Today I've now received two copies of the same spam. It is a user I had here back in the early days of bank charges when I was also a site helper. When I started up with debt queries I set up a new account so that there was no link back to my identity where I was now dealing with the same institutions in different circumstances.
  13. Hi, For the very first time I've received a spam email sent to an address that I only use with CAG (it's a specific user @ one of my own domains). It's not the address associated with this log in, but from a much earlier account I had here at the peak of the bank charges reclaims. I've not logged into CAG with that account for many years now. Is there any chance that you have a security breach? Regards, OMWO
  14. My wife has an old credit card debt of around £5K. It went into arrears and a DMP (CCCS then self-managed) several years ago. The debt was sold on to a bank who have recently sold it on to a DCA. The DCA can't provide a copy of the CCA - I didn't expect them to be able to - but still want the full balance. They also can't provide any proof of the balance they claim by way of statements. What are the implications of stopping all payment. I know it used to be the case that a debt without a CCA could not be taken to court, but is it right that courts are now more lenient with the creditor if proof of payment history is available? I don't want to name any names at this point, I'm just trying to establish the principles and current experience.
  15. In that case it should be covered under the pet sitter's indemnity insurance, the same as if they left a tap running and flooded the place. My friend has to have this insurance and a CRB check which are available to customers for inspection. If your sitter was claiming to be insured and was not, then I would be inclined to let Trading Standards know as well. OMWO
  16. Knowing someone who runs a pet sitting business, the vet's bill would normally be paid by the pet owner unless it was down to something that was the direct responsibility of the pet sitter, such as being involved in an accident whilst walking the dog. If it was for a normal illness or condition then why should the pet sitter's insurance have to pay for it? There's not enough information in the original post to determine the reason for the visit to the vets to be sure of the situation.
  17. Definitely still paying. I'd need to check on the default, but it has been with CCCS for a period of time before taking it back over myself. I can't imagine they wouldn't have defaulted after missing some payments, dropping down to £1 a month for while and still paying less than 5% of the contracted amount.
  18. I have an old debt on my credit record which was probably defaulted at least seven years ago. It's still with the OC and they are updating the status monthly as in an arrangement. Should this have dropped off by now or does it stay as it is considered live?
  19. Doesn't it depend on what the contract says - usually something like 'this contract is governed by xxxx law'?
  20. I keep the envelopes that all debt letters arrive in and write on the them the date received and a note of the content so that I have a record. I then keep the letter in its envelope. Usually there's at least three days between the 'date' in the letter and the date received, often up to five or six days. OMWO
  21. If it's mortgage related debt then it doesn't become statute barred until 12 years without acknowledgement or payment as I understand it. If repossession was involved doesn't that mean that it went to court? Was there a CCJ and does it cover the outstanding amount? I really wish there was a way to force lenders to not accept anything below market value when selling on a repossessed property - it is close to wilful negligence to take the property and still leave the debtor with a debt due to under-selling the home. Obviously, if there is negative equity they can't always recover the full debt value, but they should be made to get the best possible price, not auctioning off cheaply for someone else to profit (see Homes under the hammer).
  22. I had similar with Vodafone where the amount being chased was four times the usage charges that were due. OMWO
  • Create New...