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Everything posted by red11

  1. Morning all, hope you are all keeping well and safe, thoughts please, a company called “capquest” sent me a text message on Sunday advising that I need to speak to them “about my debt” i briefly looked online and it appears as they are a debt collecting agency which is very odd - I am lucky that aside from my mortgage I have no other open/rolling debt. I have paid off years ago the loan I had for the house refurbishment. No balances on credit card, no defaults, no CCJs. Also I have never dealt with Capquest. are they scammers? Have they just bought mobile numbers and they are changing it by sending text messages? should this be reported? Cheers Red11
  2. The CMC only enquired as to the fact that if there was PPI in the EGG account, the reply from Canada Sq ops took till early October. Then I was asked to fill in a questionnaire, sent back on the 14th of Oct. and now over the weekend I got a reply I’ll add the email here to give you a view. Of course I have removed my name and account. “Identification needed for your Canada Square Operations PPI claim“ Dear Mr ******* Customer reference: ****** Canada Square Operations Canada Square Operations have told us they are unable to respond to our information request because your details on our Letter of Authority do not match their records. This is not unusual, particularly if the records relate to borrowings taken out many years ago. Sometimes it is because a customer has moved house or changed name since taking out the credit. Due to the FCA deadline of August 29th 2019, we are unable to resubmit any details to Canada Square Operations, and so will no longer be working on this particular claim. If you have exceptional circumstances (such as being seriously incapacitated, suffered a bereavement of a spouse or a child or you or your spouse/child were suffering from a serious long term illness), you may wish to approach Canada Square Operations directly with the documents below. However it is highly likely that the lender will be looking for evidence of those special circumstances. The FCA announced their decision to set a time limit of August 29th 2019 almost 2 years ago and has been heavily covered in the press in that time. Any special circumstances may need to cover that period of the last two years. Proof of your current address, such as a recent (dated within 3 months) utility bill or bank statement, or a council tax bill for the current tax year. Proof of your change of name, such as a Marriage Certificate, Decree Absolute or Deed Poll. Proof of your signature, such as a valid Passport or Driving Licence. Please note that you will need to do so before the FCA deadline of August 29th 2019 to avoid missing out. Want an update on your other claims? Visit your Claims Tracker to get an update on your claims. Kind regards, Simon Mayo
  3. thanks dx, I hear what you are saying on the CMC. They did some good stuff for me while I was out of the country and physically had to lean over them for assist. Saying that, they only take 10%. so my next step is what? Take this up directly with Canada Sq Ops? If so what type of letter should I be writing? And can they turn around and say sorry but you can’t claim? cheers red
  4. Simply for a reason convenience since they where successful with HSBC and AMEX, I thought i'll keep using them
  5. Hi Everyone , keep up the good work , Need some views/help here. back in April March last year I submitted a claim for PPI against Canada Sq Operations who are in charge regarding the PPI for EGG. I used ReclaimPPI.co.uk which worked with HSBC and AMEX- so I did the same for EGG and my Citi group credit card. Months and months went by, Canada Sq Ops admitted that I had PPI. But now they have written back to Reclaim PPI saying the following "Canada Sq Ops are not able to respond to the information request because my details on my letter of Authority do not match their records, and do to the FCA deadline, I cant resubmit the details. 1st what can I do I know I'm owed money , I had a card and a loan back then not huge but in the region of 5K and I was paying PPI 2nd can they do that? cheers red11
  6. Afternoon all, a while back I had a mortgage with Future Mortgages a spin off of CITI bank, who after the 2008 crash sold its on to Engage Credit. I sold that property and covered all that was open, but I had doubts since it wasn't a standard Mortgage product. anyhow. long story short - i wanted to check for any PPI, or if it the product was miss sold to an extent. so i sent Engage Credit a SAR request on the 15th of March, we are on the 27th of April and no reply from Engage Credit. i know we had the Easter break - but the 30 days for responding are well and truly over - what are my options and next steps please? cheers Red
  7. Hi dx, thank you for the advise and glad to report that all sent everything ( SAR, CT bill, and all previous addresses) off via reordered delivery. let see what comes out - as I sent everything off today I should receive a reply in a month time. hopefully I won't need to chase. I have a reminder for the 10th of May on my phone. I will keep you posted on events.. Cheers Red11
  8. Hi dx, thank you, I got the template from the site and i'm about to fill the SAR request, 3 questions, 1 - the SAR template makes reference to Account number/Reference Number, I don't have any, can I still send the SAR without? 2 - EGG seems to have Split the loan business and Credit card I assume that I need to send 2 SAR's? and does anyone know where I can find the address where to send the to? I filed the Canadian Square Operation to find details, but if we find anything we will comeback! 3 - what time limit in terms of searches shall I put in the SAR, is 2000 till 2010 too much? I mean that's the period I had those EGG products. loan and credit card. look forward to hear back.
  9. Hi all, I found an old bank statement and I used to have an egg credit card, and a loan, this is a two part question advise. 1 - I don’t know if there was PPI of any sort on both - who owns Egg now ? or has it disappeared? 2 - and this is the ugly part at the time I was going through a very difficult separation and I had some Financial hardships and I do Remember that I ended up defaulting this as back in the early 2000 Should I try to look into this or better to leave it alone ? Thank you
  10. Hi dx100uk - thank you and apologies but what does "Sat" mean
  11. Hi All, just peace of mind really, since i'm not sure about it. back in the day 3 years ago. I had a mortgage which started off with Future mortgages, but the after the 2008 crisis became engage credit. eventually I sold the property at the end of 2015 - ad paid off all of the Mortgage. looking at the paper work I can't seen any PPI on it of any kind. Even when it was moved over to Engage Credit. Any Though as how I could verify if Any PPI was on my Mortgage Account? Cheers Red
  12. Evening All, question, i'm not sure if its fake news or just to catch people attention, but I saw an article claiming that if you had an over draft you might be entitled to refunds, in a similar fashion to PPI. does anyone have a view, is it true/false.. I mean many moons ago I used to use my over draft and from time to time I used to go over and of course our good friends at HSBC used to charge me the earth for it. frankly I don't see the correlation between PPI and having an overdraft and where I could be owed anything. cheers - Red
  13. I don't know where people are looking to find information or how they are forming their views - but I looked for some official material on these premiums issue, since I had some free time. Unfortunately for the insurance industry, the Office of Fair Trading has looked into reasons of high insurance premiums, discovering that there may be more than a few discrepancies between how much insurers claim it costs to actually insure a driver and all the potential variables including the reasoning offered while a driver has points or not. In fact, thanks to many complaints made to the OFT about possible price gouging occurring in the insurance industry, it recently decided to refer the entire industry to the Competition Commission. The Commission is now running its own, independent investigation into how much it really does cost to insure a driver and how much insurers are charging customers. If there is indeed evidence of price gouging, and I hope they find it for ONCE it could spell very bad news for car insurance companies, as they could face consequences; it could lead to some relief for all the nation’s drivers, considering how the system unfairly penalises Also calculations or not, the system is not set up in a fair manner. all its designed for is to use variables that disproportionately in favour of the insurance company and brings no benefit to us drivers.
  14. what a ridiculous reply - hardly worth it - it seems that only in the UK this is a factor. my point was the 2 weights and two measures. soon we will groan on how insurance companies will raise the premiums because we are no longer part of the EU..
  15. laws of physics and kinetics, I'm impressed. surely, as you say, if insurance crunch the numbers they should be aware that if I was careless character then I wouldn't have waited this long to collect my very first penalty, what I find that lacks cohesion is that seems in the continent they don't follow the same standards - surely with insurance companies being global as they are.. I wonder why the UK has a less than orthodox approach to insurance premiums. in light of all of this, to paraphrase - I don't think its fit for purpose. I'm lucky enough that I my premium is low - but for some others they could be put in some hardship.
  16. Hi All, I was unlucky enough to get my first points for speeding, now luckily because I've been on the roads for a very long time and my no claims is bonus is very high. I had to contact my insurance to advise that I had been done for speeding and that my license was now endorsed. I could hear the hands of the insurance person rubbing his hands, but effectively my premium has gone up by £50. so not a huge amount. the question or view is why on earth do insurance have this power of penalising you like this? surely its unfair to do that. I have a few friends and colleagues who are from the continent and all of them said that points have no bearing on your insurance premiums. what is the catalyst is obviously if you have an accident or cause an accident. what give the right to insurance companies in England to rob us blind just because you have been given points, why is it a fairer way of attributing risk? if you are 17/18 and you get your first points, then I agree that its shows risk, but if you loyal customer who's been giving you business for the past 11 straight years.. feels wrong to me that they still blatantly, apply such a draconian approach.
  17. just a quick update and resolution, done and dusted 700 pounds fine and 6 points.. the whole process was really short. must be said, the courts are a shambles! I gave my license in as I registered at court to the usher then came out paid the fine on the spot.. said can I have my license back pls. . she said.. didn't you get banned.. I said No, I got 6 points and just paid the fine. . she just trotted off, and she disappeared for about 30 min, she said are you sure that I didn't give it to you? I said no! search as you might, nothing.. they lost my license! now just had to get the form from the post office and send it off for a replacement. I am in two minds to ask the usher or court to pay for my costs and postages!
  18. just a quick update, received all the documents from Essex police, via post, opted to do everything online, as they give you the changes to electronically fill in all the details, which I did. the process offered was SJPN, which I pleaded guilty, added all the details, gave a remorseful plea. now we wait as to what happens next. will advise as and when this gets resolved, I should imagine that having done so via the secure web form would speed up the process, instead of sending the paperwork via post which will surely add time to this. cheers red
  19. BazzaS well done you can use Google! - please refrain from Posting on my thread - as I asked before. your value add is "0" there are really good Cagers that spent a lot of time in helping and giving helpful views. Thank you
  20. my sincere apologies to you Man in The Middle, let me say that i'm very grateful for you time and information given - I have sent a note to the moderator to address the matter. once again thank you for taking the time to assist Red
  21. I disagree with your view, the forum exists dispense some good advise, with life circumstances in your case your view are pointless you are not a subject matter expert, nor you have any views that offer any value, for that reason rather that quoting people that have given a concise constructive view, why don't you start your own thread and give yourself a bit of advise. please don't post on mine, you add no value with the exception of wanting to post inflammatory views. Merci!
  22. thank you BazzaS - I was not aware you also dispense sarcasm - to your remark I would say, in 20 years of clean driving, everyone falls fouls. like it or not. further, I think ii have enough guile and know how to distinguish the setting as to where to use an expression like "silly" what often is used in colloquial form is not necessarily what is going to be put forward in a more official setting. nor I mentioned that I would be referring to the fine as silly in an official context.
  23. thanks Man in the Middle, just a clarification i'm self employed under my limited company, my income has been up and down, I guess what i'm saying is how do they define the weekly income? at the moment I've been working 2 days a week. i'm trying to sign up new clients but its been a challenge. Also depending on the fine, how much time are we given to pay the fine, if its something silly like £1,000 which I don't have at this moment, would they take instalments? on the insurance front, i have spoken to a few brokers and with my long standing no claims bonuses 10+ years, with 6 points I might be looking at an extra £60/70 on top of my current premium which is £300 fully comp, the 6 points is not an earthquake per say. I'm more concerned with the size of the fine. and if i'll be given time to pay it.
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