HI its a Northern Ireland bank First Trust and it was payment protection for my mortgage which i feel i was forced into even though the banks excuse was i wasnt forced into it and they had gave me all the information. but im a civil servant and get full pay on sick for 6 months then half pay for 6 more and i told them that originally but they still rambled on about taking it out

hi I tried to claim 3 years ago for PPI charges back with a firm that dealt with that sort of thing but was refused by bank and the bank also said ombudsman also refused. I tried again by filling in one of the self online forms to claim myself a month back as i thought the bank had to pay as courts now say all banks had to pay . So i filled in form and sent it to the back but got same reply stating "you tried 3 years ago to claim back PPI and were rejected by ourselves and ombudsman and therefore have no bases to claim". Are they in their right to refuse me ? especially if courts overturned payment ruling. Thanks for reading and any advice would be helpful

Originally Posted by blashey i got a letter back from gm declining my offer of £100 and still want £370 i dont know what to do as i stupidly admitted it before i found this site they even have the cheek to give me the option of paying in instalements should i pay i am at my wits end i got reply back as i had now offered £200 to GM they accepted so hopefully thats that thank you for all your help in here

i done that i am awaiting their reply

thats not true im worried

tried that they said no

but can i take that risk as i admitted it to them

has anyone contacted ministry of sound out of curiosity to see if they are in agreement with gm and their methods of extracting money for them ?

i got a letter back from gm declining my offer of £100 and still want £370 i dont know what to do as i stupidly admitted it before i found this site they even have the cheek to give me the option of paying in instalements should i pay i am at my wits end

as for gallant has that made them laughable now too ?

i downloaded it and then bought it

i havent recieved anything since i sent an offer of £100 4 weeks ago from gm ?

bugger i didnt realise i wrote on first letter i deleted it then second letter i bought it im in trouble

to gallant and mcmillan

this is my original posting Originally Posted by blashey last december my brother showed me how to get u torrent and he said i could download albums from sites to see if i liked them before buying them as i prefer proper cds but like to hear what i might like to buy i downloaded an album in december 09 an 80s remix ministry of sound 80s album listened to it and didnt like it so deleted it last thursday i open a letter from solicitors gallant and mcmillan on behalf of ministry of sound saying i was an illegal file sharer and would be taken to court unless i paid £370 i tried to explain i was naive and only wanted to listen before buying proper copy and had not downloaded any other album except that one and had got rid of u torrent as i was plagued by viruses im angry at my stupidity and the fact i spent tens of thousands of pounds over the years on vinyl and cds i get done for wanting to just listen not copy but they said 7 other people downloaded it from me while i was downloading it also by admitting it over the phone i have no choice but to pay within 21 days or go to court can i still go to a solicitor to get a smaller amount paid to them or have i messed myself up by saying i would pay the 350 i recieved a letter from gallant agreeing i can pay £350 on september 30th 2010 i was about to send below letter is it too late as i havent signed anything ????? Dear Sir, Last December a relative showed me how to get u torrent and he said I could download albums from sites to see if I liked them before buying them as I prefer proper CDS but like to hear what I might like to buy I downloaded an album in December 09 called 80s remix ministry of sound 80s album listened to it and liked it and bought a copy. I open a letter from you on behalf of ministry of sound saying I was an illegal file sharer and would be taken to court unless I paid £370 I tried to explain I only wanted to listen before buying proper copy and had not downloaded any other album except that one and had got rid of u torrent as I was plagued by viruses I am angry at my stupidity and the fact I spent tens of thousands of pounds over the years on vinyl and CDS I get done for wanting to just listen not copy you also said 7 other people downloaded it from me while I was downloading it I can only apologize as I didn’t realise As I have been honest and upfront from the first call I made to your selves I would like to come to a compromise if possible as this has caused me and my family a lot of stress. On advice I have been asked under the accordance of the practise for pre action conduct in IP disputes to make hopefully what I feel would be a fairer sum to pay your selves would be £100. I hope you can agree to this and the matter hopefully can be resolved Thank you for your understanding in this matter

i sent a letter 3 weeks ago to gm offering £100 but no word yet should i worry as originally i panicked and said on phone i would pay the £375 at end of september but decided to offer lower sum but they have not responded

what tribunal ???????????

???

so what do u suggest after admitting it to them ?

but i stupidly admitted it in a phone call

i recieved a letter from gallant agreeing i can pay £350 on september 30th 2010 i was about to send below letter is it too late as i havent signed anything ????? Dear Sir, Last December a relative showed me how to get u torrent and he said I could download albums from sites to see if I liked them before buying them as I prefer proper CDS but like to hear what I might like to buy I downloaded an album in December 09 called 80s remix ministry of sound 80s album listened to it and liked it and bought a copy. I open a letter from you on behalf of ministry of sound saying I was an illegal file sharer and would be taken to court unless I paid £370 I tried to explain I only wanted to listen before buying proper copy and had not downloaded any other album except that one and had got rid of u torrent as I was plagued by viruses I am angry at my stupidity and the fact I spent tens of thousands of pounds over the years on vinyl and CDS I get done for wanting to just listen not copy you also said 7 other people downloaded it from me while I was downloading it I can only apologize as I didn’t realise As I have been honest and upfront from the first call I made to your selves I would like to come to a compromise if possible as this has caused me and my family a lot of stress. On advice I have been asked under the accordance of the practise for pre action conduct in IP disputes to make hopefully what I feel would be a fairer sum to pay your selves would be £100. I hope you can agree to this and the matter hopefully can be resolved Thank you for your understanding in this matter

so im buggered

i have just noticed the ip address on the letter sent is different from the one my computer is telling me does that make any diffence even though i phoned them admitting i done it and couldnt pay until september which the sent out a letter agreeing to

can no one advise me ?

last december my brother showed me how to get u torrent and he said i could download albums from sites to see if i liked them before buying them as i prefer proper cds but like to hear what i might like to buy i downloaded an album in december 09 an 80s remix ministry of sound 80s album listened to it and didnt like it so deleted it last thursday i open a letter from solicitors gallant and mcmillan on behalf of ministry of sound saying i was an illegal file sharer and would be taken to court unless i paid £370 i tried to explain i was naive and only wanted to listen before buying proper copy and had not downloaded any other album except that one and had got rid of u torrent as i was plagued by viruses im angry at my stupidity and the fact i spent tens of thousands of pounds over the years on vinyl and cds i get done for wanting to just listen not copy but they said 7 other people downloaded it from me while i was downloading it also by admitting it over the phone i have no choice but to pay within 21 days or go to court can i still go to a solicitor to get a smaller amount paid to them or have i messed myself up by saying i would pay the 350