Hi all After some advice, have a tomlin order that has been running for some years, the original amount of the loan was £23k, nearly got to court but a tomlin order was created and the loan reduced to £15k (as per the order). I have kept up to date with the payments and l ast year decided to go for PPI and was awarded a fair bit. the bank paid some to me and most went towards paying off the loan. My question if I have paid £15k (with amount I have paid and the PPI refund they put in) should that be the end of the matter. i.e. The agreed amount of £15k has been paid. I asked for a statement and although it shows the money I had paid monthly and also the money from the PPI being paid into the account, It is still showing as a balance from the original £23k Hope that makes sense.

Hello Haven't been on for a white. Have a question, I took out a loan with HFC few years ago. When the mis-selling of PPI came up (I didn't know about it all then) I signed another agreement as I was in arrears with them. They put what I had left on the loan onto a new loan agreement including PPI from the old loan. Question is can i claim back the PPI as this was mis-sold?

Hi Andy I am fine thanks hope you are to. I am not aware they have drafted a tomlin order, should I ask them? Your right that it has gone on a bit, I don't feel that going to court would solve the issue so this may be the correct way forward. With regards the I and E is there a form on here I can have a look at, I can't seem to find anything. Thanks again

Had a reply from sols, must be reading threads me thinks. 5 days after posting. Need advise again with regards the above, I & E have been requested and mention of a Tomlin Order. Not sure if I should should proceed with the dodgy default notices and miss selling of the PPI plus other thinks. Help please

Hello all I haven't been on here for a while. Andy I couldn't afford the the 40.00 with one think or another. I still haven't heard anything from them and I don't know if posting anything on here will gee them up. It has been a while with no letters other than a statement from them.

Any one that can help with this please? Thanks

Right have started the N244 but need help if poss 1. N/A 2. Defendant 3. That the claim be struck out due to the claimant not engaging in negoiations with regards the courts last order. The claimant has also mis-sold PPI on the loan. The claimant has also issued default notices which contradict time limits given under the CCA 1974. The figures on the default notices supplied and the figure on the claim form differ. 4. No 5. Without a hearing 6. ? 7. ? 8. ? 9. ? 10. I haven't got a clue what to put here. Infact I am not really sure what should go on any of the form so help would really be appreciated. Thanks

Right will start the form, N244? Do you know of any links on here that i can look at for idea's that may be suitable theres a few and not sure which would be most appropriate. Thanks Andy lmrn

Still nothing received, could do with some help if poss

Hi all Andy - do I have to submit a request for a stike out on a N244.

Thanks Andy as all ways. Just a bit worried they will try and do something sneaky. Don't know what though. I did think about writing to the court explaining they have had numerous stays, I have tried to negotiate but they seem to be delaying in any reply. I have been reading a few things in relation to default notices and the courts should take into consideration any fault on their part and also the recent case in south shields when because of the mis-selling of PPI the case was dismissed. If only I was so lucky.

I am fine thanks Andy, thanks for the reply. What should I do now? What are my options Thanks

Hello all, I have contacted the court to day to see if the other side have contacted them and they haven't. Asked what I should do as stay has ended. They said to write to the judge asking for directions. I have sent 2 offers to them and they haven't replied to the last one. The first one they said they wouldn't accept because it was to low. They didn't reply to second one. Any idea's what I should do next? Thanks

Have still heard nothing from other side or the courts, any suggestions?

Well nothing received from sols re the loan side of things, time was up today so wil see what happens next. On the credit card side of things, sent a CCa request to moorcroft, replied by saying that they are no longer dealing with the matter (they kept the postal order though). Received a letter from Wescott today stating asing for what moorcroft where. On the top of the letter in red is "Important notice of debt collection". In the letter says pay withing 7 days or further action throughts courts wil take lace or a door step collector wil cal. Loos ike another CCa and £1 postal order to them along with the dont call at my house letter again. Surprises me really that ratwest still are pursuing me for this, 2 DCA's involved. Still haven't sent CCa just application form, no DN's (even after SAR) or NoA if they have done that athough it does say they hve been instructed to collect by their clients

Thanks Andy. Will let you now whaat happens when i get anything from courts or them. You really are a star in all this.

So I should just let it run for the 2 days and see what happens. Jut hope that by not doing anything it doesn't go against me. Starting to get a little nervous with it all now

Right got you andy, thanks for that. When you mean sanctions, would that be from their side or what the court make on their own?

One more question. If they make an application I take it this would mean going to trail?

Thanks Andy, your help is alway appreciated. I was aware of the ppi miss selling case. Will sit tight and see what happens.

Which is why I am not happy about the default being redg against me. It is incorrect. If I can help it I would rather not go to a trail. Already have enough stress with all this but I also won't lie down and take their mistakes. Only have really 2 days to get the matter sorted unless of course they request another stay.

Also, dont know if it was required but no termination notice

wonder who the quest viewing is?

Thanks for reply. As per post 248. The letter and default notice are both dated the same day. Letter gives 28 days o rectifiy and default notice gives 14 days. Diffrent figures on POC to what is on default notice. Hope that makes sense

Thanks for the reply andy. in your honest opinion what would you do under the circ's. What will happen if I go to trial? they have knocked the figure down so whould that mean the ppi was miss sold. Is there any other leiverage I may have?