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Everything posted by pears23

  1. would love to hear how you get on as i have gone down the route with FOS and as my agreement was pre-2004 it was outside of their jurisdiction, any suggestions on next steps as my claim would be in > £5k which i think is the limit of the small claims court. also nervous about going down the court route!
  2. Howard Cohens in disguise................ London - Salans maybe a PM to postjjg might help? sorry can't be of any further help
  3. Looks like CITI group may be interested in Cattles.............. http://www.iii.co.uk/investment/detail?code=cotn:CTT.L&display=news&it=le
  4. Hurrah, I won the PPI aspect of this complaint, recieved a cheque today for > £4K!!(more than expected). FOS still dealing with MIF issue, has been sent to another dept for review. I have a further question.... I had this loan re-written back in 2008 to remove PPI but did not receive a breakdown of how this new loan value was calculated (had just had a baby 4 weeks prior & car accident the week before so my brain was well & truly fried!!!) so don't remember asking for it. Looking back over my SAR there is no evidence for this either. I suppose my question is the validity of this new agreement in light of welcome admitting mis-selling of PPI for old loan agreement? hope this makes sense. any views appreciated. thanks pears23
  5. does anyone have a good telephone harrassment letter as well as one about harrassing door step visits? have looked on CAG library but only see a telephone harrassment letter. any help gratefully recieved. many thanks ;-)
  6. CATTLES News CTT CTT.L - Interactive Investor Just spotted this, interesting how following appointment as the FD in all his previous jobs the relevant company went onto administration just a few months of his appointment!!!! get your complaints in quick, I wouldn't hang around.....
  7. welcome back Ozzy (pardon the pun!)
  8. hi I agree with beyond, you need to do a subject access request, and then start reclaiming with them. I currently have a complaint in with FOS regards loans dated 2001 & 2003. good luck.
  9. of course they did, they never admit they are at fault! I would suggest you submit a complaint with FOS.
  10. you've got postie on your case now, all will be well. good luck littlefish
  11. Think it is a standard questionnaire FOS are now sending out. reading some of other threads they seem to be sending these out. I too had to fill one in & got a lovely letter yesterday sayong welcome have agreed they mis-sold PPI! Certainly wouldn't do any harm to fill in. good luck
  12. my understanding is that if no CCA produced then you can place account in dispute and unenforceable. however am no expert.
  13. don't you think they had enough of our hard earned dosh???
  14. will do, thanks. In info also on my thread............ http://www.consumeractiongroup.co.uk/forum/welcome-finance/226802-welcome-finance-misols-insurances.html cheers
  15. What should we be looking for? I have tried to obtain information as to how the figure for re-written loan agreement was arrived at but to no avail! grateful for any information
  16. I too would love to know the answer to this Dizzle, am in a similar situation!
  17. hi folks, what is the issue with the no cooling off period? I had a loan, rewrote in feb 08 (signed & dated in office) but first payment was not taken from my account til the june or july of 08 even though DD set up.
  18. thanks, glad to see you back. How's the knee?? I have filed complaint with FOS meantime as welcome did not reply to any of my queries except the MIF! but would appreciate your views. FOS replied with a PPI questionnaire which I see many are being asked to fill in. hope all is well with you???
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