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FANTASY CHARGES

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FANTASY CHARGES last won the day on December 8 2007

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  1. Regarding pre January 2005 sales of ppi :- There could possibly be signs at the end of the distant tunnel regarding CERTAIN insurers - i think there is an 80% chance Cardif Pinnacle (yes cardif not cardiff) are you insurers. to quote someone, referring to cardif pinacle in particular - "FOS say now as the last time I spoke with them they were intending to use the matter of whether insurance companies had responsibility for sale as a test case with courts. " and it could take up to 5 years apparently. get looking on the search engines for more info
  2. PAGES 15 & 16 of this earlier document make interesting reading "We identified a common failing of not disclosing to the customer that the term of the cover was shorter than the term of the credit agreement and the consequences of such mismatch. Our view is that failing to disclose such a 16 CP10/6: Payment Protection Insurance complaints (March 2010) mismatch and its financial consequences to the customer would not comply with the Principles. From the introduction of ICOBS 6.4.9R(3) this would also have been a breach of the rule." this means the purchaser of PPI th
  3. to find this document on the internet google fsa ps 10/12 ....................and the page numbering is wonky... for those of us that want to read more google cp10/6 and you get the view on march 2010 of the situation
  4. SORRY gannymede i am sorry about that ----- no i forgot the CPR part 8 bit when i said defence etc .... i mean ... file the allocation questionnnaire (AQ) and defence at court simultaneously {part 8 forces this !!} and serve the defence on the Council
  5. Ganymede thanks for trying to help but we know the CPR rules quite well the notice was served under CPR part 8 !! the notes on the claim form are a generalisation --part 8 CPR claims we assume are only say 1% of all claims & as we said the notice was served under CIVIL PROCEDURE RULES PART 8 ( this stops certain other parts of the CPR rules applying) Councils use CPR PART 8 when they do not expect to be questioned over the "ALLEGED" facts they produce to court - MEANING they expect a walkover ( AMONGST OTHER THINGS IF A DEFENCE IS NOT FILED UNDER cpr PART
  6. Imagine a Local council issues a claim form using a POBox followed by its real address , it is assumed the postcode is that of the POBox Question .. can the defence be handed it at the Council offices (see below for mythical example , in this case 23 the Big House) or does it have to be posted to the pobox address? and IF the answer is that THE DEFENCE MUST BE POSTED to the POBox and say the defence was posted on a Monday -- recorded delivery -- in law what is the day the defence is deemed as served on the Claimant eg Mickey Mouse council Po B
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