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Ayho

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  1. Hm, that puts things in whole different perspective. I will probably still go ahead with the complaint as Halifax team were bit smug today for not sharing info due to me being out of 6 months. I will try to get my case looked again because I haven't received the final response letter yet ... 1 year later on ... I have nothing to lose, only to gain eventually And thanks dx100uk for info. Hope you doing well, glad to see you still fighting on our side
  2. I had payment insurance protection on my credit card. Both card and PPI were obtained Feb 2008. I submitted my PPI claim against Halifax via resolver on 29.08.2019 showing as reason for being mis sold that I was self employed at the time, also was made to believe i needed the PPI to get the card by the branch representative where i applied for the card, as it was my first credit card ever. I never benefited from the PPI as I was self employed since then, also it made me go few times in unarranged overdraft when I was in financial difficulties. Halifax PPI team claims I have been sent final response letter on 23.03.2020. Unfortunately it was sent to an address where i no longer resided at the time. About May I received a voicemail about my PPI claim from Halifax. I called them back and was told Halifax sent me final response letter, but it was sent to my address at time of claim , where I unfortunately didn't reside any more. The representative told me that my claim succeeded and I will receive compensation and asked for bank details to send the money to. Only upon further questioning I was told the amount of compensation, which was way below average to my opinion - £269. The person on the phone offered me to appeal the decision, which I did in the same phone conversation without knowing the reasons why I was being offered such a low amount. When asked what I will base my appeal to I said that it is the same reasons I included in my original claim. I gave them my new address to receive further information and asked if I can receive email as well due to me leaving the country for abroad for prolonged period of time in a very short time. They refused to send me email copy giving data protection as a reason. I left England on 03.07 and came back on 17.09. Between the mail I discovered letter from Halifax dated 20.07.20, which states that : '' PPI Mis-Selling Assessment '' Based on the information available to me, I ve still not found sufficient evidence to agree that your PPI policy protecting card ***** was mis-sold. I do not believe the further information you've provided introduces anything that changes the original decision. Unfair Relationship Assessment We previously concluded that an Unfair Relationship was created during the sale of your PPI policy protecting card ****** . Our offer for this decision was calculated based on the undisclosed commission and profit share you paid on the premium above 50%. As we've already upheld this part of your complaint, I 've not reassessed it. Next Steps We've now closed your complaint. If you have any further information that you'd like us to consider or you're unhappy with our decision, please get in touch. As noted previously, any information received after a period of six months has passed from the date of your final response letter (sent on 23 March 2020) will only be considered if there was an exceptional circumstance that led to the delay in your response. You can call xxxx or write to xxxxx '' I will now refer the case to the Financial Ombudsman. But I have 2 problems : 1. I still haven't received the final response letter and I am not sure what was Halifax's reason to refuse my claim. I can just guess they concluded I didn't have sufficient evidence to prove my case. I called them tonight twice and they will send me the final response letter to my actual address, but refused to give me any other information as complaint is already out of 6 moths time limits. they refused to give me transcripts of the phone conversation when i made my appeal to the original decision. They refused to even give me the date of the phone conversation or even an address where i can send request for disclosing the information they have about me. 2. Time limits I understand that in limited, exceptional circumstances i can still raise this with the ombudsman. But are : 2.1 me not receiving the final response letter yet 2.2 being abroad for 10 weeks during which I wasn't able to check the outcome of my appeal and the company refusing to use email address to correspond with me good enough reasons to be part of those exceptional circumstances 3. How do i receive the information I need from Halifax - that my complaint was raised via phone conversation without knowing the details of the final response letter Note : in 2014 I have received letter from Halifax stating I have been mis sold the PPI , which I included in my resolver case SUMMARY : Timeline : - 02.2008 obtained credit card and PPI - 04.2014 received letter from Halifax saying that I have been missold ( I submitted the letter's reference number together with my resolver claim - 29.08.2019 I submitted PPI claim via resolver - 23.03.2020 Halifax said they sent letter, unfortunately to a place where I no longer live. To this date I haven't seen/received the final response letter - June??? 2020 I received voicemail from Halifax PPI and called back. Then was told I was sent final response letter to old address, that I am receiving compensation, but for £269. I was offered to appeal the decision via the phone now and then, so I did asking for the circumstances to be checked again believing it was overlook on their side. I updated my address and asked for email to be sent too, as I will be leaving shortly for abroad for a long period of time. My request for email was denied due to ''data protection concerns'' - 03.07 - 17.09 was abroad - called 17.11 to ask for transcripts of my phone conversations with the PPI team, date of the phone conversation and address to which to submit request of information they hold about me. All these were denied in 2 phone conversations because my claim is out of 6 months limit. They only agreed to send me a copy of the original final response letter, but no time limits when I can do that My questions are : 1. What are my chances of the ombudsman accepting that i am allowed to complain out of the 6 months period ? 2. How do I get the information I need from Halifax PPI claim to prove my circumstances ? Thank you
  3. Hm, hope not. Regardless i saved the phone call on the cloud and in it i explicitly asked iff they are happy with extending the time period for the settlement payment and if they accept that now it is full and final settlement. If they try again or sell it on first thing will be to complain to ombudsman and ask for compensation at court if there is court date.
  4. Or blaim Santa But seriously I blamed "family and friends". They were happy to settle the claim and the lady said she is sending me letter to confirm that. She said i can check their website to see if everything is ok and yes, the claimed debt is now nill . Unfortunately I saw your reply too late, so didnt mention the credit file, neither did via the mediation. Live and learn i guess. I will still try to get in touch with her, as she was very helpful, might be able to do a little compromise for me Thank you again dx100uk and everyone else who advised on this thread for all the help and patience. You have been awesome in a difficult time for me. I love you guys
  5. I am bit worried because since the settlement Lowell have sent me letters stating that the settlement amount is "monthly" falsely implying that this is not final and full settlement
  6. Sorry, just saw your reply now. It is on Experian.
  7. I emailed the original mediator, but she is out of office by 08.01. Then called the mediation general helpline . They advised me to call Lowell and ask if they are happy with extending the deadline. I am using call recorder and will also ask for email confirmation before i make the payment. Is that a good way to do it ?
  8. I just checked the mcoi site. Last update of the case was that " notification that the claim against you was settled received on 13/11/18" .
  9. Hi dx100. It was via official mediation on the phone. My agreement was sent to me via e- mail afterwards
  10. Hi everyone and Merry Christmas. I need an advice. I entered in settlement, as didnt have time to deal with the court case. It was for less than third of the claimed amount. Unfortunately i didnt have the agreed amount until now. The deadline was 27 Nov. Lowell has until February to apply again in court if there is a breach of agreement. If i transfer the settlement amount now to the account in settlement agreement will that mean that the account will be settled or Lowell can claim the settlement is null and void now, so the payment will be just for reducing my debt ?
  11. Hi. Just completing now the Directions Questionnaire. Send by date 24 SEP. Choosing small claims track and mediation. Can I do that by email to the parties - Northampton county court and Lowell ? Is it ok to send an email to HM Courts and Tribunals service small claims or is better to call them directly ? And second question - do I need to fill D1 , which asks me which court I prefer, if it is going to mediation ? Thank you
  12. ok, another update : Received court letter this morning. Dated 5.09 NOTICE OF PROPOSED ALLOCATION TO THE SMALL CLAIMS TRACK 1. This is now a defended claim. The defendant has filed a defence 2. It appears that this case is suitable for allocation to the small claims track. If you believe that this track is not the appropriate track for this claim, you must complete box C1 on the Small Claims Directions Questionnaire ( Form N180 ) and explain why 3. You must by 24.09 complete the Small Claims Directions Questionnaire ( Form N180 ) and file it with the court office ... and serve copies on all other parties " And what about the letter I received from Lowell in responce to my CPR 31.14 request where they state : " your account relates to a telecommunication account and is therefore not regulated by the Consumer Credit Act 1974. As such Three Mobile are not obliged to retain a copy of the agreement, therefore we are unable to provide this. Also a default notice and termination notice applies to credit agreement, not service agreements so do not able and were therefore not issued'' All the contracts I had with Three mobile included a mobile handset as well ( except one for mobile broadband which included dongle, but it was terminated years before the alleged claim ) . So according to my limited knowledge that is consumer credit agreement, therefore they must provide me with the requested by me The Agreement, The default Notice, The Termination Notice and Statement of Account, not just the very dodgy looking Notice of Assignment they have provided so far . Am I correct ?
  13. Thank you for your advice. The barrister actually went middle of the road, the figure she gave was between the lowest and highest of expectations. It depends of course to all parts of the claim being upheld. The amount my friend asked for was also based on what it would cost the company to defend the claim, regardless if it is sucsessfull or not, as it is quite complex and will take up days of solicitors work - the barrister told us the hearing is most likely to last 3 days. Btw based on your experience what percentage of the claim she could get via a settlement ?
  14. No, I have not received any paperwork and didn't know I need to file one. Just a letter from the court manager that they are going to inform the claimant of my defence, who might settle it directly with me. If the claimant wishes to proceed " the court will then inform you of what will happen " And also a Directions Questionnaire sent by Lowell to the court, dated 22.08 ... They say they agreed to mediation.
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