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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

intend

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Everything posted by intend

  1. intend
    Simple - changing your address does not change anything to do with this debt. So if you decided not to pay for the last 18 months then carry on with the decision. AS Stig states - you need to chat calmly with OH and introduce him to the wonders of CAG. I am sure he will see the light and stop being concerned about this.
  2. intend
    DX has it nailed - follow his advice and you will be in control of the debt and believe me this is empowering. Good luck and with the help of this site you will lead a better life.
  3. intend
    Just sit tight - if continue just tell them the account is in dispute until CCA request dealt with
  4. intend
    Well done - this has just reminded me of a Crap One credit card closed 4 years ago - might be worth a SAR
  5. intend
    Good luck Hillards, following closely as think I may have to go down this route with both Welcome and the Funding Corporation and feel completely out of my depth. Intend
  6. intend
    Great win - I too tried the Aviva route but got a letter of rejection from them. Been on back burner while I sort debt and a Lloyds PPI claim. Having read this thread might pick it up again.
  7. intend
    great news and well done
  8. intend
    Eventually got the energy to proceed with the claim - FOS Consumer Questionnaire completed and letter sent to Lloyds PPI team for his first loan - claim about 3K Now for the hard ones - Funding Corporation and Welcome/broker/underwriter all of whom denying liability. Still debts now under control. Intend
  9. intend
    I would send a prove it letter to the new owners and state you will put pyments on hold until you are satisfied with the alleged ownership of the "debt". Wait to see what happens but if OC cannot satisfy a CCA request then no chnce the new owners will be alble to do so.
  10. intend
    Cracking maths BB - was hurting my head thinking about it Pwal1 - I think you need to get to grips with this debt. The good folks on hear will help and guide you - as BB states "cash cow"
  11. intend
    If PPI was admitted - have your evidence/proof that it has been taken off the outstanding debt. Do you get regular statements to see what is happening to the outstanding balance. £100 per month for 8 years is an awful lot of money. Intend
  12. intend
    Agree that it would be wise not to let them know what you think the claim should be - wait till they come back - information is power but only when used effectively.
  13. intend
    Speak to them by all means but be very considered in your responses - anything that looks like they are phishing then just decline to respond. Some are very open and honest but personally would not trust them...
  14. intend
    Hence the need to reclaim any PPI
  15. intend
    Loan Protection Insurance is PPI
  16. intend
    Have you started to reclaim the LPI? - should be a significant sum.
  17. intend
    Do not think so as you have acknowledged the existance of the debt. Does not matter who you pay. Others will be along to confirm or contradict. Like you I do not send I&E put tell them what I will pay - just reduced one from £10 to £5 per month as no increase in income for years - they accepted as no choice. suggest you try this - better in your pocket. Intend
  18. intend
    Thanks Brig - your help has been invaluable.
  19. intend
    Now for the PPI reclaim
  20. intend
    Like to get things under control so wrote to them clearly stating the offer of £5 - daughter just rung - they have accepted the £5 offer - saves them £5 a month, not much to Dave and his mates but better in her pocket. Intend
  21. intend
    Loan was taken out in August 2004 - does this mean it was not regulated by FOS?
  22. intend
    Re Post 325 - update on Credit Card. Had a reply - stating my proposal to pay £10 per month was acceptable - muppets - am currently paying this and requested a reduction to £5. Not sure what to do next
  23. intend
    Got all info from TFC - ppi of £700 on top of a loan for £2000 - work that out at 25% of monthly payment down to PPI. About to input into spreadsheet. Hope my % calculation correct! Also has about a dozen unpaid DD fees of £25 - is it worth reclaiming these? - sure that the amount acceptable was reduced to £12, plus letter fees of £85, ranging from £15 to £30 per letter. Have been off-line for a while - had surgery and off work for 6 months then really busy with work - but good to be back - off to look at the Llyods ppi now. All advice gratefully received. Intend
  24. intend
    Best laid plans!! - Just got the SAR enough to fill a truck. Have already put into 2 separate spreadsheets - one for the loan paid off in full and one for the loan in dispute and sold by Llyods. Will take my time to assimilate the information - he had lots of charges as a result of offsettting and returned internal DDs - might try a reclaim under BCOBS if I have the energy. Will box clever and send in claim for first loan - son-in-law still got an o/s CC debt of just less than £2k we are paying off at £10 a month so would expect them to offset the payments against this but am I correct in thinking the interest should be paid and not used to offset?? Will also state that thet should not assume he would not have purhased PPI elsewhere and therefore should not reduce the level of the claim. Think this is just another [problem].
  25. intend
    Good luck - would agree with the 30 day timeframe.

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