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WorriedAnnie

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About WorriedAnnie

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  1. Hi there need more advice please. Just received "Notice Of Proposed Allocation To The Small Claims Track" With a "Directions Questionnaire" What do i do now looks like they are going to go to court How do i fill this out plzzzzzzzzzzzzzz REF N180
  2. Hello guys i got this letter today from Bryan Carter Solicitors. They intend to proceed to court but want to negotiate first? What should i do next please?
  3. Thanx for the help guys you are wonderful on here!!
  4. I have no paperwork at all Can't remember the name of the company I think the particulars of claim might have original company but would i not be just better going after British Gas who actually sold the PPI to me?
  5. My problem with the bank is that it got taken over by Barclays after i stopped paying so that will be no good. I am sure getting hold of the agreement and court details will give me what i need. I hope
  6. Thanx Email sent, let's hope they can help. Like any idiot can see that somebody medically retired at age 32, registered Disabled, Rated at 50% disabled for IIDB and on Higher rate mobility and medium care DLA (with numerous medical examinations for IIDB-IB-DLA) should be obviously put in the SUPPORT group lol
  7. Should i contact the County Court to see if they have any information on the case that might be useful? What is the best way to get the details of an old CCJ so that i know who to contact etc?
  8. Hello i am writing this on behalf of my husband to see if you can help. My husband was injured and was medically retired 18 years ago. Since then he has been on :- Incapacity benefit. Disability Living Allowance : Higher Rate Mobility - Medium Rate Support. Industrial Injuries Disablement Benefit. (Rated @ 50% Disabled) Registered Disabled. 2 years ago he was told that he was going on the new E.S.A. and that it would not affect his payment (lost the proof). In short he was put into the "Work Related Activity Group" and received contribution-based ESA. He was sent to the local Job Centre for an interview. His support Officer told us that he was in the wrong group after the first 10 minutes and told us to ask for a review but my husband told her that as all was the same(payment amounts) he didn't mind the odd interview. He suffers very badly from depression and anxiety and avoids stress at all costs so was happy to let things go as he trusted the system. In the meantime he received a review form and discussed this at his next interview (i am his carer and had to attend each meeting as finds going out in public difficult at times) He and his support Officer were both amazed that he was put in the wrong group especially with all the medical history so he asked a charity to help fill in this review form and sent it off. The problems started a few months later. His payments stopped!!! After contacting the ESA he was told that the group he was in only paid out for 12 months then stopped!!! At no point was he told about this! He could not get Income Related CSA due to his pension raising him over the limit. He kept ringing to get it sorted and asking for them to check the review form put in months ago etc etc but was held up in the medical section. Cutting the story short the review form from the year before was cleared and they put him into the correct group BUT they refused to backdate it and we ended up in debt of nearly £2,000 because of it but could not prove it as it was from family and friends to tide us over as we were certain it would be backdated once they saw their mistake. Well my husband wrote to them explaining everything pointing out that it was a "mistake" on their part for putting him in the wrong group but still they refused to back date to cover the time we went without money. The said that because it was not an appeal and was done via review they did not have to back date it. Is there anything we can do about this. The review was sent off 6 months before the payments stopped and contained the same information as the original form. Plz help. We are outside the appeal limitations because we thought we had no chance until i joined this forum. What do you think?
  9. Hello, i have a long winded question here about PPI. Approx 8 years ago i took out British Gas boiler cover "Homecare" and when our boiler was tested we were told that it was on it's way out and would cost us a fortune in fuel etc. We were advised to get a new one. Soon afterwards a British Gas guy came out and sold us a boiler installation which included flues etc and change of boiler location. We were offered credit for this because we had no money. He tried a few lenders but we were rejected because my husband was disabled with income from a pension and benefits. I was not working and had no income. Finally he tried another company in just my name even though i had no income he said that joint income was allowed even tho it was just in my name and that we could only get it if we took out PPI. This was the case even tho neither of us were in employment at the time. 1. Does this prove it was misold? 2. Is it too far back to claim? The problems arose soon afterwards as we could not afford to keep up with the payments and eventually I was taken to county court and a charge was put on our house ( we owned it ). About 4 years ago we sold our house and the charge was paid in full out of the equity on the house. 3. Is it possible to claim PPI and Interest back even tho we did not defend the claim, we got stressed and buried our heads in the sand. 4. Who do we seek for PPI as the British Gas Agent used a different company to finance it and it ended up getting sold on etc and ended up with Aktiv Kapital I have been helped elsewhere on the forums so thought i would ask about this
  10. Thank you so much for the help. Defence is submitted. What usually happens now?
  11. Hi there just rang Capital One and they have told me on the phone that the last payment i made to them was 30th January 2008.
  12. What is next in the process? Do i need to respond to their letter? I will ring Capital One and see if they can tell me the last payment date.
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