finally had a result with a PPI claim against Picture Finance. i am receipt of a juicy cheque but have a predicament.

i employed a cmc to fight the fight back in 2008 before Picture went bust. After Picture went to Deloitte and the FSCS, I discovered details of a previous account with Picture which also had PPI on it. Ifought this one without the CMC.

The FSCS have paid one cheque covering both claims and have deducted 10% on the balance greater than £2000.

Could you advise me whether the initial £2000 which has no deductions is

1. for the first received claim
   
2. the earlier dated account
   
3. split 50-50 between the two accounts
   
4. split pro-rata between the accounts
   

i do not wish to give the CMC more than they deserve!!

still waiting for any news. - i have mislaid my letter from deloitte. can any body give me a telephone number so i can start nagging?

congrats to all successes to date

all i have received from Orange are continuous bills since june accumulating at £35 per month. they have stated that they received no letter of termination (by phone call) and dont wish to discuss the matter any further. i have sent the info to their Bristol office but no reply

interesting reading peoples experiences with this DCA.

here is mine.

Took an 18 month contract with orange 17/12/07 with a free PS3.

Near end of contract i enquired what they would give me for a new 18 month contract. Disappointed with offer, so took out an 18 month contract with O2 with a free laptop 12/5/09. i sent letter to orange confirming 1 months notice on 9/5/07 and cancelled direct debit after payment on 1/6/09.

Lo and behold orange send bill after 2 months saying i am behind with payment. Try to telephone but automated system would not recognise mobile phone number because it no longer existed:evil:

After 3rd bill contacted a human being at stolen department!!

She said nothing had been received but confirmed that the last usage was 12/5/09 and would accept a months notice.

Orange cancelled the contract in september, credited the account with a month and then sent it to MOORCROFT early November with an outstanding balance of c£150.

Moorcroft wrote to me asking for £592.3. i replied (enclosed).

They replied 26/11 stating that orange are willing to offer a partial settlement of £444.27

They then sent a notice of intended litigation on 9/12.

any advice

interesting reading peoples experiences with this DCA.

here is mine.

Took an 18 month contract with orange 17/12/07 with a free PS3.

Near end of contract i enquired what they would give me for a new 18 month contract. Disappointed with offer, so took out an 18 month contract with O2 with a free laptop 12/5/09. i sent letter to orange confirming 1 months notice on 9/5/07 and cancelled direct debit after payment on 1/6/09.

Lo and behold orange send bill after 2 months saying i am behind with payment. Try to telephone but automated system would not recognise mobile phone number because it no longer existed:mad:

After 3rd bill contacted a human being at stolen department!!

She said nothing had been received but confirmed that the last usage was 12/5/09 and would accept a months notice.

Orange cancelled the contract in september, credited the account with a month and then sent it to MOORCROFT early November with an outstanding balance of c£150.

Moorcroft wrote to me asking for £592.3. i replied (enclosed).

They replied 26/11 stating that orange are willing to offer a partial settlement of £444.27

They then sent a notice of intended litigation on 9/12.

orange copy.doc

orange ii copy.doc

moorcroft copy.doc

still waiting for mine:mad:

FSCS say it is still with Deloitte:(

Getting Jealous!!!

finally received terms and conditions from Northern Rock, please peruse and discuss in relation to legality

allan48

northern rock terms and conditions.doc

T and C's received from the Northern Rock, who are currently investigating what has happened to the cheque for £10

Heard nothing from HSBC Visa

allan48

small claim sent in after receiving two letters this week.

1. including ...

"we confirm that after a further review, the Bank's position in relation to your complaint about your financial difficulty assessment and the solutions offered () remains as previously stated. We accept that you are in financial difficulty as defined in the Banking code, however you have stated that you are unhappy with the solution that we have offered you to resolve this. (stop paying your external creditors!!!!!)

muppets should get an interesting response from the judge after that admission.

allan48

we have an individual reference number on our letters and mine (without opening myself up to any outside intervention) is a number less than 150 and website quotes that there are 600 cases under review

allan48

Received phone call which was derisory in respect of my affordability of the essential living requirements, it was the fault of my external creditors that were pushing me into a precarious financial position. Hey ho never mind - time to send in a small claim and gain the 8% interest whilst we wait for the test case.

allan48

i have received my letter from Deloitte and spoken to them, nice people, my claim went in August 2008 as well

allan48

NB they have a deadline of thursday!!!

allan48

hi Caggers

received telephone call this morning from financial hardship team telling me case under review, further details and issues clarified with budget. i pointed out that a kindly judge may look favourably on my position and they would be asked to pay up.

Senior member of team will call in next few days to discuss further!!!

Keep you all posted

allan48

T and C's Requested

HSBC signed and sent

wait and see

You have misunderstood Johnny

1. Northern rock, first page of agreement no Tand C

2. hsbc visa, letter requesting signature on instructions

allan48

dear all

request to be posted questioning why the terms and conditions are not attached to the loan agreement from Northern rock.

any suggested wording incorporating legal jargon?

Dear all

reply from HSBC VISA

dear XXX

I write to acknowledge your recent request for information relating to sections 77/78 of the consumer credit act 1974

unfortunately, you have omitted to sign your letter. May i ask you please to submit fresh instructions ensuring your letter is signed. The bank policy is to establish the identity of the customer via a signature that it can be compared with any other document (eg application) that we may hold. i apologise for the inconvenience this may cause you.

i have enclosed your payment as the bank is happy to waive any fees for the production of this information

yours sincerely

xxx

any thoughts?

the t and c are present on the reverse of my copy so i guess they could not be bothered to photocopy both sides. looks like the game is up on this one. Still have to wait and see with HSBC VISA.

Allan48

link number 18 - now on page 1

see change in size Johnny

i have recieved today from Northern Rock a photocopy of the original CCA. Is there a next step or is it unenforceable.

allan48

northern rock cca.doc

Good news for all of us that have been waiting over a year

Article

read it and start praying!!!

no response from HSBC VISA, so similar letter is going off tonight.

Allan48

letter being sent with an I and E

Dear Sir/Madam,

I refer to your letters of 4th july, which did not include an I and E sheet, and your letter of 3rd August.

I have acquired a copy of your I and E sheet from your website after being directed their by one of your specialist team. Please use the attached form to assist you in your understanding of my financial hardship.

I believe that i meet the criteria as set out in annex 2 of the FSA guidance 27/7/09 (monthly). The document states in part 2 the following

In making an assessment of financial difficulty the firm will take into account:

a. evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;

b. evidence of the following events:

i. items repeatedly being returned unpaid due to lack of available funds;

ii. failing to make loan repayments or other commitments;

iii. discontinuation of regular credits;

iv. notification of some form of insolvency or court proceedings;

v. regular requests for increased borrowing or repeated rescheduling of debts;

vi. making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and

vii. repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty).

I believe that i have provided evidence of changes in lifestyle part2 a when i informed you of my loss of employment and subsequent re-employment at 18% below my previous salary.

I believe that i have provided evidence of the events in part 2b when i notified you that 4 of the 5 unpaid direct debits in this period were for my Mortgage and that the interest and charges accrued relate to utility payments being sanctioned over my limit. You will note that i have made several credit card transactions over the last few months at supermarkets for food/fuel and incurred bank charges in excess of the £500 in charges over the last 12 months referred to in 2b(vii). You currently have charged me £1212 since 2/07 with £600 in the last 12 months.

You will note that i have attempted to balance my books by ceasing contributions to my Pension in September 2008 and i have had to change my mortgage to an interest only account in December 2008. I went into arrears with council tax in February 2009 and have only recently made an arrangement with them. I have now gone into arrears with my Northern Rock loan. You will also note that I have attempted to secure a consolidation loan with you in November 2008 and asked to increase my credit limit on my HSBC credit card April 2009 and asked to increase my overdraft facility June 2009, Requests were denied with a reason of that I had reached my available limit for borrowing even though you stated that my credit score was high enough.

You will be aware that i gave you an 8 week deadline on 25/6/09 to repay the charges to me, i will enter a small claim for £1212 on the 20/8/09 if they are not repaid. I would have been willing to discuss further but you have added a further £125 since my first letter.

Allan48