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happyhamr

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About happyhamr

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  1. we are not using any other claim companie(s).we have filled in compensation claim form fscs,& this has been sent to deloittes. this is the procedure"we thinks"hope this "clarifies" situation.thanks jj69& dx; (sorry for confusion)
  2. WHO should we be using then? ,,,dxany expert/guru who has had dealings with "Picture" willing to comment thanks again , happyhamr
  3. update; have finally sent & completed compensation form to "Delloites", we have recieved confirmation letter from them to confirm this. "all systems GO" We would still like to ask if their are any, ,Picture,Picture Home Loans(now Webb Resolutions), experts/ gurus for any comment on this thread;;;;;;;;;; PLEASE. Thanks happyhmr& otherhalf
  4. hello. , just want some help/ advice if possible. at the time of taking out this loan, the insurers were (2006) 1 - combined life assurance company limited,in respect of life,accidental death,disability and hospiltalisation cover; 2-london general insurance company liimited in respect of unemploment cover and no claims bonus.; BUT in 2010, we have a letter stating that, TWG( The Warranty Group), were in fact the insurers (insurance company) Now in filling out the compensation form,(still going through it),section E3, IF any body has filled this bit in, we would like somehelp/advice what to put down in this section. DO we simply put down all of the insurance companies down & hope this is correct. If Any body can help/advice in the completing of the FSCS compensation forms & any of the above, also regarding previous post/posts this would be very much "appreciated" thank you happyhamr
  5. so sorry to hear about the outcome of this rae:-x are these people "BLIND". you have a progressive disorder thats gets worse every day,week , month year upon year,and do not take this into account:???: request statement of reasons what people suggest & think about what "you" want to do:-) if i was you i would keep changelling, appealing , fighting this/these decisions because eventually your condition will win your battle. when they see you at your next hearing, or in 10, 20 hearings time with a oxygen tank on your back, then they might finally get it. good wishes to you rae, sorry if i have gone to far or overstepped the mark with above , but i genuinely am upset & gutted over this. regards happyhamr:-)
  6. 3rd time lucky:-) "hopefully" good luck, happyhamr:wink:
  7. hellow, the mould (everyone). the trial date is(notice of hearing) is 15th of april. witness statements have been sent&recieved. this had to be done by the 7th of march we sent ours to solicitor&court before this date. recieved solicitor/blackhorse witness statement on friday the 11th of march. "not sure what this means":???: still have to send pre trial checklist in by 21st of march, "so would like some help with this please" ABCDE &F, especially A,confirmation of compliance with directions; and F, document and fee checklist:?: still want to know about re claiming , default sums,late payment fees &ppi on the 2 other loans:???: "do we just write/ ask the judge to take these into consideration", when we do our draft order to the court and send in our pre trial checklist. Hope this makes some kind of sense:???:, because I FEEL out of my depth:???: the last 18 months has not been great for me/us , and i want to do is tell the judge & what ever happens(happens) thanks everyone for listning&helping. cheers the hammies:-)
  8. hi happyhamr here:-) just wanted to clear up , "little confusion". my girlfriend got the job , originally for 18 hours 45 minutes , but came to an agreement to work 15 hours 45 minutes so that she would be under the16 hours a week limit:-)(hope this clarifies) as she says is it worth her going to work:roll: £112.40 - £64,40(jsa)-£30.00(travel) =£18 pound a week, "whats the point":roll:
  9. Thanks for all your advise. I have another query, I started work 2 weeks ago and I am doing 15.45 hours per week. I have just been to Jobcentrre to sign on and to see an advisor as i have been signing on for more than 13 weeks. My net pay is £112.40 per week and I have just phoned jobseekers allowance number to find out what deductions will be taken out. They stated that as I am earining £112.00 per week that my jsa will be deducted from this amount.In other words THEY will be paying nothing. Why is it they say you can work less than 16 hours and they then stop the money.? My travel is costing me £30.00 per week and once this amount is paid out I am actualy working for £3.50 per day, What is the point. Apart from them wanting you not to sign on it is very misleading stating that you can work for 16.00 per week but they then stop your jsa.(65.45 per weeek) Although they have given me the form for travel reductions I have still had to pay this out for the last 2and half wweeks. Is this the correct information that i have been given? If it is I might as well not go to work.
  10. with regard to scm paperwork(documents sent), if i wanted to see original(s) how do i /we go about this:?: "do we just ask/write to solicitors";;;;; reason being does not quite add up. another question:?: with regard to the ppi on this loan & the 2 previous loans taken out with BH, how do we counter claim the ppi back plus intrest & charges to be taken into account. " do we wite to the court" requesting that we want to counter claim:???: whats the procedure:?: thank you , the mould & everybody else if you have any input/advice. "thanks so much" , happyhamr(s)
  11. general form of judgement order(copy for your information), from court. Before the court officer sitting at dartford cc blah blah. You the claimant have been sent form N152(including an allocation questionnaire) requiring the fee of£200 and which specified the date by which you were required to return the AQ. you have failed to file the AQ with the court by the date specified in form N152.no payment has been received either. you must submit£200 and file the AQ with the court on or before 17th december 2010. if you do not comply with this notice your claim wll automatically be struck out without further order of the court. This notice is served pursuant to paragraph 2(2) of the practice direction supplementing part 51 of the civil procedure rules.This order was issued without a hearing. if you object to this order you have 7 days from the date of service of this order to issue an application(for which a fee is payable) to set aside, vary or revoke this order. word 4 word have not sent any paperwork to solicitors at present. will do if we have to,"not sure what to send":???: thank you once again for all your help.; "hope above helps" good night the mould (sleep well) the hammies:-D
  12. Hello the Mould hope you are well, and have been enjoying your cups of your well earned tea:-) 1 - Have received listing questionaire (pre trial check list) YES 2 - Copy of general form of judgement order has been sent to us by the court '' I take it Black Horse have/had to reply to this'' We have received a big bundle of paperwork (very confusing) its like half of a subject access request, loads of default notices /charges plus general letters that have been sent over the years. 3 - My other half received letter from court stating ''allocation to the fast track'' 4 - No hearsay notices - NO 5 - The total PPI on this loan was £2000 (will let you know the correct amount later) This was loan number three in a series/trilogy of loans which had PPI incorporated. I would like to use this in our witness statement because I believe this would help a great deal (mis-sold PPI and all that ) Not heard from the claimant until we received this mounting of paperwork which I presume is going to be used in court. So NO the claimant did not want to discuss this matter even thou we were willing to. With regards to scanning and printing and posting of documents unfortunately we have no printer. ''realy are back in the days of the Wheel when it comes to computers/printers:-) I hope we will have further conversations. Thank you for all your help the Hammies
  13. hellow the mould, hope you are well:-) just waking up from our winter sleep:-) will reply to you soon(other half types quicker than me:oops:) cheers for listning/helping, the hammies:-) thank you, off to bed
  14. hellow,jj69&sgianthebard:-) could you please tell the exact name and address so that i can send a SAR. thanks every little bit of information "hopefully helps" cheers happyhamr:-)
  15. now that picture has had another name change to webb resolutions, "so i believe".,& have taken over:-) can someone please clarify to me,because i want to do a SAR to them.(picture or webb) so what name do i use,& can i have the exact address this £10 postal order should be sent too. thank you happyhamr:-)
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