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SUNDERLAND1

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  1. sorry about that DX but tomtom really annoyed me with his negative comments. At the end of the day we are all here to try and help each other albeit without giving out false hope. There was no need for that, it was a million miles away from a fraudulent case. Thanks again.
  2. She has now received a phone call and a letter squashing the demand for repayment due to the insignificant amount she was earning over the limit and the genuine reasons how it occurred. Her national insurance credits have been re-instated and she continues to claim carers allowance for looking after her uncle. FRAUD CASE ??? you're (removed - dx) just idiots thanks PS thanks uncle bulgaria the mandatory reconsideration letter was enough to do the trick. Thanks again.
  3. Hi cjcregg, we could not go to the FOS anyway, its already been with them after the 1st complaint as explained in post 22. What do you think about my theory regarding the time we made our 1st complaint ? i just get the feeling if we had not complained about this until after the banks lost their case in the high court and began being more cooperative and upholding customer complaints (shall we say with less fight than they had been) the outcome may have been different. Thanks Steve.
  4. Thanks for the feedback folks, i was hoping someone would say "Yes" its definitely worth asking them to look at the full PPI complaint again. Hi Dx, no we have not sent a SAR to canada square, im not sure though that they would be the people to send a SAR to? Are they not just an agent handling complaints on behalf of lending companies ? If we were to SAR anyone would future mortgages or their parent company Citi group not be the correct company to go to ? Can i ask what the purpose of a SAR at this stage would be ? If its so that we can see document
  5. Sorry for the delay in responding, I'm not too IT savvy when it comes to scanning the letter so i will just have to briefly explain what the letter from Canada square says. If it's really necessary to scan the letter I will have to get someone to help me later. Canada square have rejected our claim for the full ppi, they say that because no fresh evidence of misselling was supplied they have not looked at the case again and stand by their original decision. Interestingly they included a copy of their original rejection letter which was sent to the CMC we were using
  6. An update and some advice needed please. Well the fos looked at our complaint for years, they never actually gave any indication of whether or not they thought our ppi was mis sold. We got regular letters from them informing us they were trying to ascertain who a complaint could be lodged against and whether or not the fos had the authority to look into the complaint. In January 2016 we got a final letter from them informing us they had pinpointed the relevant companies who would be responsible for a complaint however the fos could not act due to the p
  7. Hi dx, It is titled "PPI reclaim loans.co.uk future mortgages [citi group] - FOS taking ages" i started it on 1/7/2012 and it was last commented on 12/7/2012. Thanks
  8. Hi im trying to leave a message on an old ppi thread of mine but it is locked, probably due to the length of time since it was last commented on. At the top it says to flag it up to the site team if you want to leave a comment, but im not sure how to do this. Thanks for any help.
  9. Hi, i am not sure if this has been discussed before, i have a feeling it probably has. My partner has claimed carers allowance for looking after her uncle for the last 3 years. She has also quite often worked part time. She has always told me she was allowed to work 15 hours per week and she has always stuck to this limit. However i have looked into it and found that the limit is how much you earn not how many hours you work. Her jobs have always been minimum wage so they have actually kept her just under the earnings limit. This is where
  10. Hi can anyone tell me who is responsible for the cost of returning a faulty item ?? I bought a watch from an ebay seller that arrived not working. The seller tried to resolve the problem by sending me a new battery but the new battery made no difference the watch is obviously faulty. I have raised a dispute with paypal who have messaged me today saying i am entitled to a refund once the watch is returned using a postal service that is online trackable. Paypal also say i am responsible for the postage costs. I thought the sale of goods act says the seller is responsible ?? Any advice much appre
  11. Hi DX100, would you agree that my best course of action is to ring the breakdown company tomorrow and explain that i do not require the cover and ask for a refund ?? I was wondering if i could use "A cooling off period" tactic ?? Also regarding the actual payment being allowed to go through in the first place, could you advise if you think this is the sort of thing that can happen in banking sometimes ?? At the end of the day the cancelled card details are the only details the breakdown company were given 12 months ago, ie 16 digit card number, valid from date
  12. Nothing at all. To be precise it was not me who cancelled the card it was Santander. I got a phone call from santander fraud team in september last year asking about a transaction that was being attempted in albania using my card details. When i assured them it was not me they said that my card would have to be cancelled as fraudsters had obviously stolen my details. They said a new card with new 16 digit number and security number on the back would have to be issued. There was no mention from the santander operative about any recurring payments i may have on the c
  13. Thanks for the reply folks. Unless im missing something here im still not sure whether i have a case here or not. Your replies certainly give the impression that i do. Ive had a good read of your post DX100 and to be honest im still not sure if its me who is at fault here. Just to clarify, I took the breakdown cover out a year ago on the full understanding it was a recurring payment unless i cancelled it. I did not cancel the payment either with the breakdown company or my bank, i simply relied on the fact that the card details held by the breakdown compa
  14. Hi folks just looking for some advice with this one. I took out car breakdown membership one year ago and paid for a years cover in full using my debitcard. I was advised at the time that this was on a yearly recurring payment basis unless i cancelled. 6 months ago my card details were somehow obtained by fraudsters (luckily i did not loose any money) santander completely cancelled my old card that i had used 6 months earlier to buy the breakdown cover and i was issued with a new card with new 16 digit number. A few weeks ago the breakdown cover renewal letter
  15. The last payment i made was just an ordinary months payment that was due, then i never paid again as the payment amount was getting too much for me. I never acknowledged the debt either after that last payment i ignored all phone calls and letters. As for the CCA request, the transaction sheet was all i got with a promise of more documents to follow once they had been in contact with the original lender. That was march 2014. Not a sniff of an agreement.
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