Hi and thanks for the replies I'm claiming back some tax paid on a ppi refund. its for this tax yea,r and yes does show on my calculation I have overpaid tax. thanks sunneydee

Hi I'm self employed, I have filed my return on line and after checking they had received it on my account it is saying pending bank repayment of................................. does this mean they will pay my refund directly into my bank account, its been like this since last Friday. I didn't request a repayment it has automatically done this Thank you sunnydee x

hi received a letter to day from my local council saying they have receive my request, I need to make a £10.00 payment and show some ID. They will then forward all information.. SO... does this mean the should send the so called footage. Thanks Sunneydee

hI I'm IN TH SAME POSSITION, GE ADMITTED MISSELL EVENTUALLY AFTER A 4 YEAR BATTLE, I WROTE TO THE CEO AND THAT DID THE TRICK. I'm KNOW TRYING TO CLAIM BACK CHARGES AND ASSOCIATED LOSS. SUNNYDEE X SORRY ABOUT THE CAPITALS

Hi what is a FOI request, is this sent directly to the council. thank you sunnydee

Hi everyone I need some of your expert help please, so here goes. My hubby was standing chatting while in town, he had a cigarette and when finished smoking it stubbed it out and put it in his pocket. Seconds latter a environment officer issued him with a fixed penalty of £75.00, Hubby asked why, he replied I have just seen you throw the cigarette over the fence. My hubby replied I didn't here it is, and showed him the stub The officer replied I have you on camera, but would not show the footage. We have written an appeal letter stating all the above, What can we do next or what will there next steps be. Thank you sunnydee x

hi there, just wondered do you have ppi on the account?

Hi, just wondered have you contacted the CEO of ge money, here is the email address [email protected]. its worth a try if you havnt already done so. he hasn't been in post long. Good luck Gill x

ok thanks, that's not good, did they say this even though the FSC state anything over £12.00 etc. is unfair. sunnydee x

Hi Just wondered how you got on with this claim? I have been successful with ge money upholding my mis-sell on 2 secured loan, am now perusing for unfair penalties the same, and advice would be good, Thank you sunnydee x

Hi Yes!... Thanks for that, Iv received one of the the redress offers from pinacle this morning, this was refinanced in 2005 (i think) all that is listed is a sub-total, very confusing. So i will be asking for a full break down on how this figure was reached. sunnydee x

Hi I have 6 loans with GE Money GE have admitted respnsible for 4 loans and cardiff pinnacle have admitted responsibilty for 2, they range from 2002 to 2004 I have another i with ge money awaiting a decission and 3 with Aviva. sunnydee x

Hi Its taken 3 years of GE Money and Cardiff Pinnacle passing from one to another, had enough so contacted the C E dirctly, result within 10 days. Can I also mention I originally contacyed the C E of cardiff pinnacle and they also admitted to the mis-sell and responsibility of a G E money / first national policy. I should have the redress some time this week. Im requesting a SAR tommorow, Will keep you updated and thank you for the excellent infrmation. sunnydee x

Hi After 3 years battle with GE money they have just finaly admiited to the mis-sell of PPI on a secured loan. I have received a redress but no calculation of how the have worked it out. Because they refused to pay out on the ppi 4 years ago it caused arears on the account which at the moment are still paying back. Now they have admitted the mis-sell can I put a claim in for charges added to the account because of the arears and default charges, and other amounts which im not sure about. Many thanks sunnydee x

Hi Just wondered how you have got on with you claim? I have found this thread very intersting and dont think im hijacking it. After 3 years battle with GE money have finaly admiited to the mis-sell of ppi, they have now admitted to it. Would the above letter be ok to reclaim unlawfull charges defaults etc approx £17,000 it may be more. this is without adding the interest. Many thanks sunnydee

Thanks rebel11 Do I contact cabot and point out the incorrect information or just send documentation of the wrong information directly to the court prior to. the hearing. thank you sunnydee

Hi, could anyone advice me on what i should do, here is the back ground of my case. After three hearings which i have repressented myself, cabot have tried to obtain a charging order on my propery, this was dismissed at the last hearing due to wrong facts provided by cabot, one was an error on their accounts, it shwed a shortfall of £3000.00. so AT THE END OF THE HEARING THE DISTRICT JUDGE ASked IF I HAD ANY QUESTIONS, mY REPLY WAS I DONT HaVE ANY DOCUMNTs REGARDING THE FOUR ACCOUNTS CABOT HAVE. THE JUDGE THEN ORDERed THAT THEY SHOULD SUPPLY STATEMENTS OF ASSIGNMENTS FROM INCEPTION WITHIN TWENTY EIGHT DAYS, WHICH WAS ON FRIDAY. i RECEIVED A WITNEEess statement from cabot with the same incorrect information, plus others, They note they cannot supply statments as ordered and wish to vary the order made by the district judge on the 22nd of march (sorry about the capitals) What document do i need to prepare. Many thanks sunnydee.

Hi Debbs and Kirsun, Here is an update on todays charging order, A representative from Morgans turned up, explained why we were at court, yes i know was my answer, I explained that i was oposing the charging order on the grounds of wrong information on the court paper. He had no idea of what was going on, my witness statment never arrived at morgan or so he said. When in the diistrict judeges room i informed him of the discrepancies on the court papers, but the copy I suppmited to the court could not br found, although i contacted the courts office on monday to ensure all documents where filed, and told yes they are,. Anyway the dudge adjurned the order untill a second copy of my witness statment and evidence reached morgans and the court, then a half an hour hearing will be set and a decision made. Can you belive that morgans solicitor requested that i paid the court charges, to which the judges reply was basically no, we will wait untill the final hearing, I cant belive iv got to go through it all again. Best wishes Sunnydee

Hi Debs /Kirsun, thanks for the fast response I have all the paper work ready for tommorow court papers from Morgans and statements showing the correct amount paid and not the made up figure which Morgans seem to have picked out of thin air. I didn't agree to the charging order, I was told it was gong to happen. I have never seen any agreements, I wish i had requested it when i was told i owed this amoint., but at that moment in time I was ignorant of legalities and just wanted to get it sorted as fast as possible. I will update tommorow, when over and sorted, Hopefuly. Sunnydee

Hi Thought i needed to reply to this thread, i am also at court tommorow with Morgans solicitors, who again are requesting a charging order, here is a bit of back ground information, original debt 7250.00. in May last year. Maintained payements, in June Morgans took me back to court for redetermination / charging order, I attended no representative from Morgans, the Judge went in my faavoiour and informed me that as long as I made the agreed payments, a C/O would not be granted. Well thhis is where it gets interesteng, as well as making agreed payments i have als made two lump sums of £700.00 and £2300.00, this was a PPI payment to my husband as he is unable to work, silly me i paid it off this debt. In November I contacted Morgans solicitors requesting a reduction of paymennt to £28.00 a month, and would they take into consideration the lump sums made. I had no contact from Morgans untill the 4th of Jan, which a leter agreeing the £28.00, but would request a charging order to secure the debt, the court pappers followed a few days later, no it gets intersting, the papers state that only a payment of £76.00 had been made and not the correct amount of £3200.00 I have evidence of these payments. I contacted Morgans solicitores and highlighted the discrepancies and was told "oh yes we can see these payments were incorrect, and the updated paperwork would be sent before the court date. I have not received any such paperwork, I have ensured a witness statmnt was sent to the court well in time, which they have received, explaining all these dicrepancies. What would my be my next steps at court tommorow as I am defending myself, really nervous again. Thank you Sunnydee.

Hi. Just wondered if you had any advice for me, Cardif Pinnacle have refused to pay hubbies claim as he is unable to work due to health problems, ( he is self employed ), it's been going on since feb 2007, inaitally paying 4 months premium then refusing, as his problem was stress related, nothing of the sort, all kinds of other excuses, the latest is recent test came back o.k, he has been refered to a pain clinic to help symptons thus enableing him to eventualy return to work, this was the consultants words ( cardiff pinnacle rquested this consultant to organise a scan etc) he is still under the doctor. This was my second apeal first one accepted in June 2007. I handed details and documented time line to the finance ombudsman October 2007 and a descision should have been made by cardif Pinnacle within 8 week, it wasn't, they requested more information from my GP and so on. Monthly updaes from the ombusmen saying they are still waiting for my case to be assigned to a case worker and apologise for the delay. I wouldn't mind but G E money said this cover must be takn out for this secured loan. Whats the point if they wont pay when you need financial support. I work full time, but beginning to feel the strain with two teenage boys. Sorry this is so long but it seems never ending and it's not helping healthwise.I feel better hoping someone can help. Thanks Sunndee

Hi sorry for delay, problems with internet, Pinnacle keep requesting more information. we keep sending, they keep asking, and so on, my hubby is self employed in a manual job, his problem is abdominal, test etc are still going on, nothing found as yet, he has all the relivent sick notes etc and been refferred to a pain clinc to see if this helps, his consultant said this would enable him to manage the pain and eventually return to work while other avenues are investigated, pinnacle seem to think because his problem hasn't been diagnosed thers isn't one. I forget to mention this has been going on since feb 06, they initaly paid four months premium march, april, may, june after refusing initial and said they dont pay out on stress related problems, no idea where they got that from. This is my second apeal and handed all the details to the financial ombudsman in december, i followed the usuall complaints procedure no responce yet only monthly letter from the ombudsmen to say there still waiting for someone to be asigned to the case. What should we do, as were beginning to feel the strain, i work full time we don't claime any bennefits, sorry this seems to go one but there really anoying me. thanks for responding sunnydee.

HELP, CARDIFF PINNACLE HAVE REFUSED TO PAYSICKNES POLICY FOR MY HUSBANDS INABILITY TO WORK. EVEN AFTER SUPPLYING ALL DOCUMENTS, ITS BEEN GOING ON FOR 14 MONTHS. ANY ADVICE PLEASE.

Hi everyone, Must say what a briliant forum, must join in, maybe some one could give me some advice on pinnacle insurance, as i'm having a battle and half gett ing them to pay my husbands sickness policy, even after compiling to all requests.