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  1. Also, i would like to ask for a little advise. On receipt of the proposed court action from solicitor, i informed them of the account being in dispute but they have replied that i will get my chance to defend in court. I thought if acc was in dispute that dispute would have to be settled to continue court action. i have prepared my solicitor to defend, but any help would be grateful.
  2. quick update: letter before action received threatening court action, for remaining balance. then, writ of summons has arrived.
  3. contacted finance company, and ppi will be cancelled
  4. if it is a monthly ppi, you hould be able to cancel and not lose out alot unlike single ppi unlike my single ppi policy http://www.consumeractiongroup.co.uk/forum/ppi/103517-car-finance-ppi.html
  5. hi, all the info you need on on the forum. There are template letters to send. Dont rush in, take a good read or you will make mistakes
  6. should be today or tomorrow that the finance is paid out, then can cancel the ppi. the agreement didnt have two separate agreements, ie one for finance and one for ppi. will keep you informed on how it goes
  7. after a couple months of continious phone calls, they have eventually died down about time
  8. though i would just update this thread. The balance has been settled on my credit file, leaving a balance of nil
  9. i forgot to mention, the finance is from a broker, who are using a finance company. i have 14 days from the date the agreement was signed?, not from when it is set up ie paid out? do i cancel with the broker or the finance company? want to get everything ready for the the day the finance is approved. Courtesy of reidnet Single Premium Policy (these are the biggest rip off ones) These policies are Paid for in full to the insurance company at the start of the policy. Most loan Companies will finance the full cost of the policy by adding the cost onto your loan. What they do not tell you is that you will also be paying interest on that amount at the loan interest rate for the full term of the loan this is what this policy is
  10. thanks for the response, i believe if the insurace is cancelled within 14 days i get a rebate, ie maybe less than half. Not 100% sure, anyone know for sure
  11. hi, at present i am setting up finance with a finance company (accepts adverse credit), who went through the docs with me. I need the finance to get the car and no other will offer it. Going through the doc's the rep said just sign here, here and here. but when i seen insurance was added, i asked ' is that ppi, he replied 'yes', i asked if i had to take it, he replied, 'yes' , its part and parcel of the agreement the discussion was in a closed room, with two agents, as the car sales man didnt enter. any comments on this topic or advise on ways to handle this. Constructive critizism welcome
  12. Re: Harassment by telephone Dear Sirs I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company will be recorded. COPY OF LETTER SENT TO DCA
  13. I have been contacted by a dca, who i have asked to stop calling, additionally i have sent the template letter on this site. I have recently, told them , to stop calling and to write me a letter, they say, they will continue calling. I have contacted ofcom, who say there is nothing they can do. Is this correct? anyone in similar position?
  14. btw they have offered part settlement, everyting but the arrs admin fee
  15. Final response received from Mortgage Express. As follows: Dear ******* Thank you for letter of ******** acknowledged by my colleague. I have completed my investigation. we believe our charges are reasonable and comply with the legislation in this area. We are however aware of concerns expressed by OFT and within the industry generally. We're currently undertaking review of our charges to ensure they are still appropriate taking into account various cost reduction exercises we've completed over the last few years. Because we have not yet completed our reviews of the first two types of charges (telegraphic transfer fee, unpaid dd) i am willing to waive these in full as a gesture of goodwill. turning to the matter of the ARREARS ADMIN FEEs, i regret to tell you that i cant agree to your request to refund them. These fees are a reasonable reflection of our additional administration costs of supervising your account while in arrears. This administrtion includes contacting you by telephone and letter, considering, agreeing and monitoring arrangements for payment by payment by installments, writing default letters and preparing instructions for debt counsellors and enquiry agents. in addition to this there is the lost revenue to ourselves from not having the missing installments available to us for further lending or to be on deposit and the subsequent interest that could be earned. We're hope your happy, blah blah yours sincerely john henson cust relations
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