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Everything posted by ims21

  1. Eh? Not sure what you are after. Have you looked at the cases in the PPI forum? If not then that is the area to be reading.
  2. In answer to your question, there are many people who have had PPI added to their account(s) without their knowledge or consent, hence the huge bill for redress which the banking industry faces. There are many stories in the CAG PPI forums which bear testament to this. Sadly there have been no criminal investigations into this matter (as far as I am aware) and certainly no criminal proceedings brought against any corporate body. This all comes under the banner of a civil matter rather than criminal until and unless such a time comes when the authorities decide to prosecute for a
  3. Can you please answer the questions raised in this post please.... http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp Please provide the answers here on your thread and the legal guys will be along to help.
  4. There has been much debate on whether a SAR will yield an agreement. I have to say that some lenders will provide it with a SAR, others won't. One outfit that I was involved with did send me a photocopy of the signed agreement from 1989/90 as part of my SAR.
  5. If you stop paying I would certainly put the money aside somewhere so that if they do eventually come up with the goods and can enforce then at least you will have the wherewithall to pay. You need to decide what your actual goal is. If the debt is legitimate, you had the money and used it and have been repaying for a period of 6 years then why not repay the rest? Are there any penalty charges or PPI that you could reclaim? I think there is a letter in the library to ask the lender to confirm whether they do actually hold a signed copy of the agreement...you could send that
  6. Lenders sell debts for a number of reasons. Maybe they think the debt is going to go bad so they off-load it to someone else and get at least something back for it leaving the debt purchaser with the potential headache of collection. Another reason is that they may want to make their overall balance sheet look healthier by getting rid of some toxic debt. It may be that they know they have an unenforceable debt on their hands and palm it off to someone else. Hoist will need to come up with the appropriate documentation to be able to enforce, whether this a recon for April 2007 account
  7. They are correct...they do not need to provide you with a copy of the signed original under the provisions of The Act. Being pre April 2007 they would need it though if they were going to try and enforce through the courts.
  8. Hi If your neighbour paid the account off in most months then the redress is likely to be fairly low I would guess. The reason being is the the PPI would have been there to protect a balance on the account. If there was no balance then there would not have been a PPI premium in that month a there was nothing to protect if you see what I mean. I understand that employers such as the NHS offered very generous sickness/redundancy and other packages included in the contract of employment and they generally rendered a lender's PPI as pretty much useless. I think the reasons for your
  9. Hi weej Stand back a little from this and consider things. Re the PPI you need to have a valid reason for a mis-sell. You stated earlier that..."they did not need, would never have needed, never made a claim and basically didn't question anything and can't even remember this being an option" The question is "why did they not need it and would never have needed it"? the statement "Never made a claim" is not valid unless I have misunderstood you. PPI claims are not the same as charges reclaims, the main reason being that the regulatory bodies that are (and have been in the p
  10. Hi The age of the account and the credit limit are not directly linked to the amount of redress for PPI on a credit card. It is the behaviour of the account which is the important factor. The redress figure should comprise the following... 1 -> All premiums charged to the account 2 -> Any contractual interest charged to the account as a result of those premiums. 3 -> The account should be reconstructed with the above removed. If the reconstruction shows that for any month the account would have been in credit then 8% simple interest is awarded on that credit
  11. Gently please chaps....if there is evidence to this effect then please link to it. Thanks
  12. It is very, very unlikely that you will get the deed. The deed will contain hundreds, perhaps thousands, maybe tens of thousands of accounts that were assigned under that deed A notice of assignment is all that is needed to be sent to the debtor in accordance with the Act.
  13. Hi Andrew and welcome to CAG As you say, if they have no documentation then this is unenforceable in court. When was the account taken out? If before April 2007 then they would need the original to enforce but if after that date then they may be able to rely on reconstituted documents to enforce. Regardless of that, there is of course still a debt due and there is still a moral obligation to pay. If they say they cannot enforce then it would be interesting to see what "further action" they intend to take.
  14. Another spanking for Lloyds.... http://www.consumeractiongroup.co.uk/forum/showthread.php?419990-Lloyds-PPI-reclaim-***-SUCCESS-***
  15. Well done...nice one just before Christmas. Have changed your thread title and added you to the PPI success thread too.
  16. OK thanks. So you want to repay the money. If that is the case then do it but do it directly with the store. Keep it between you and a member of store management who are aware of what has happened. Get them to sign for the money when you pay it over to them. Store management should not refuse this, if they do then make notes of any meeting you may have to get this money paid over. But please, please, please do not engage with RLP in any way, shape or form.
  17. By the way...Welcome to CAG! And don't snaffle the till money again!
  18. Hi there. Forget RLP.....remove them from the equation altogether. Now to the proper part.....you offered to pay back the money which you took (your admission). Have you paid that money back? You say you offered to repay the money....what was your employer's response? Can ypu give more details on the situation between you and your employer please? Whatever you do, please do not engage, entertain or otherwise get involved with RLP...they have no legal standing, cannot take you to court, cannot charge you with anything, cannot bill you for anything or, very simply put, c
  19. Hi Dot Maybe I can add to the information which Ford has already given. The problem you might face is that we are talking approx 4 years ago that this claim money was sent to the DCA. You were probably unaware at the time that there was no right of set off and it should not have happened. My view would be that you could challenge this if it cropped up but I think you ought to ask yourself the question "what would I have done with the money had it come to me"? would you have paid the debt (if it was legit) and if so there is no difference as to whether Amex paid it direct or whet
  20. I guess this is what you are referring to perhaps? http://www.credittoday.co.uk/blog/post/96/northern-rock-action-spells-wake-up-call-for-lenders It suggests (says) that agreements are unenforceable until the errors have been corrected. That implies that if the errors are corrected then the account is enforceable. Mind you, as with may of your threads, the information you give is very sketchy. Where does the BR fit into all of this? date of BR, date of judgement against you....a complete and full timeline of events would perhaps enable people to have input which may be of value.
  21. What were the circumstances of them getting a judgement against you? The issuing of correct default notices where previous ones may have been faulty is not unheard of. What do you intend to apply to the court for?
  22. On a credit card the PPI would be shown as a distinct item on each of the monthly statements. If it doesn't feature then on that particular card account you won't have PPI. As Ford has said, if you have other accounts with the same business then a SAR for a tenner might reveal something on another account.
  23. Hi For £32 they may think it is not worth the grief of chasing it. Personally I would ignore it unless and until it gets a bit heavier (if it ever does). If you are sure of what it is and it is correct then you could pay but don't pay the DCA, pay the people you had the debt with. The more the DCAs are taken out of the loop the better.
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