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Armsoft last won the day on October 13 2006

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About Armsoft

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  1. Just remember, as soon as you go through the FSCS you lose 10% of what your owed (they only pay out 90% of amount owed). And you can't claim interest on it through them either.
  2. One thing to remember when dealing with the fscs you will only get 90% of what your owed
  3. Could I PM you what I was thinking to prepare, for some guidance? Thanks
  4. Would I be right in thinking that Small Claims Courts are fairly relaxed? Is the Judge going to expect my son to be legally minded? Thanks
  5. Yes, this is the final (and only) hearing, it's been allocated an hour by the judge, although DLA Piper have asked for two hours? The claim is for PPI and they agreed that they owed him the money, but also claimed he owed them money, so were going to use he refund to offset an outstanding balance. There reason for not agreeing to pay him the rest of the money s being put down to the terms of the fscs which came into effect after they offered him the full refund in jan 2010, so the argument is that when they finally realised what a cock up their accounts team had made they should have pu
  6. My Son is in court on Thursday 2nd February 2012 as a Claimant against WFS, although he has had a letter from their solicitor today today to say that WFS will not be at court but their solicitor will be (is that normal?). We have their court pack (100plus pages) all sent in a very nice binder (thanks DLA Piper!) do we need to put our court pack in one too? WFS offered my son just over £3k back in January 2011 as a PPI Refund, but as the terms were that they would use it to offset an outstanding Loan (which actually did not exist and had been paid off in 2009) my son rejected it and spen
  7. Just be aware, if you sign the FSCS paperwork you are signing away 10% of what your owed as FSCS will only pay you 90% (they keep the rest themselves), HTH
  8. Back on subject Has anyone any thoughts on any Case Law to support incorrect terms used causing unfair terms to be applied as a result? Looking to file the amended POC on Monday 3rd Any help/advice appreciated
  9. Thanks for the very valued feedback. My belief is that the court would take the view that as Welcome applied unfair (wrong) terms back in January with the original offer of settlement (there must be some case law to support this?) the fscs T&Cs do not apply in this case by default. DLA Piper who are representing Welcome seem to be relying on the fact that my son signed new t&c, although communication with them has been quite laughable in terms of what they do and do not know and what Welcome seem to be giving or not giving them (I almost feel sorry for them) Is anyone aw
  10. Having served a SAR on Welcome back in early July my son has all the account statements, he also has phone transcripts from them for this year with them talking internally to other departments agreeing that he paid the account off in 2009. He also has a couple of letter confirming receipt of the payment in 2009 along with one which clearly says that his account balance is Zero. Although the fscs has a legal standpoint, if welcome had applied the correct t&c in January then he would not have fallen under fscs in April. He has the paperwork from Welcome and the fscs with the refu
  11. My son had a loan with welcome finance which he paid off in 2009, he submitted a claim to Welcome in December 2010 for a refund on his PPI and received an offer from them in January of a Full Refund (£3,100). He rejected the refund as the numptys terms were that they would use the refund to offset an outstanding balance on the account (the account was clear with No balance) This then resulted in him making loads of phone calls to them over the next few months to try and sort it out (without success) In April he received a letter from fscs stating that they were now dealing and asked him
  12. My sons PPI claim through 'Un'Welcome Finance seemed to move to the front of the queue to be sorted when they received a Court Summons (he filed online at "money claim") and on the day that they acknowledged the claim they paid his outstanding PPI payment £2,300 into his Bank Account without even telling him. Interestingly they acknowledged the claim at court with the standard "we intend to defend All of this claim" so it looks like he will now have to wait the extra 28days they brought themselves before he gets the interest that they owe on the claim... HTH
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