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johnnymitch

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johnnymitch last won the day on March 13 2011

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  1. Just take it a step at a time Jimi -TJey , , use the PPI website, open a thread for yourself , ask for advice on template letters etc .,and you should be fine. Be aware the banks may try to discourage you at first ... and put you off ... they have 12 weeks to deal with your claim from the date of your first letter ... make sure they stick to it .. .if they don't , a threat to bring in the Financial Ombudsman should do it... because it costs the banks (I think It's about £400) for each complaint , whether it's upheld or not ...
  2. Hi Jimi T-Jey , welcome to the forum ... If you separate your claims into PPI and Bank Charges you'll find it easier to manage .. I , personally , would say if you've got the time do the claims yourself .. I'd start with PPI bcause banks etc are paying out at a great rate of knots on this at the moment . Have a read of the recent PPI threads... http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?111-Payment-Protection-Insurance-(PPI) I think you'll find it's easier to claim than you thought , without going through a company who may rip you off big time .. you just tell them what you think they owe you .. and ask for it back .. with 8% Statutory Interest ... Open a thread for yourself on the PPI forum and just ask for advice .. someone will answer .. and it won't cost you a penny As for bank charges .,, they're at a bit of a standstill at the moment ... but . nothing ventured nothing gained .. doesn't hurt to ask ...
  3. Hi , everyone ,, been a while since I posted on here , but thought it might give encouragement to others to hear this story . Some weeks ago I encouraged my Son -in -Law to chase HSBC for refund of PPI .... he was in an employment(actor) for which they would never have paid out ... They kept putting him off and waffling about how long it would take and it wasn't really worth bothering about .. so I told him to write a letter , give them a deadline -12 weeks , which they (reluctantly )admitted that FSA had given them to deal with these claims ... then 10 days before the deadline I got him to telephone and remind them of the due date , and if they failed to meet it , it would be reported to the Ombudsman ... Well ,, 7 days before the deadline .. he's had a cheque for the full amount + 8% Interest ... and he's over the moon ... The message I think is, , tell them what you want ... when you want it by .. and be sure they know you're prepared to carry out the reporting threat ... that way you don't languish at the bottom of their pile ...where all the non-complainers go .... this is what happens ... if you don't make a noise they'll ignore you .... Hope this helps to get your money back folks ... don't let 'em off the hook ...
  4. [Do you mean blanket all DCA stating that HSBC have not complied with request for CCA? Yes , and of course point out that they also have not sent any documentation to prove you owe them anything I would also consider writing to the Ombudsman , to report HSBC for passing on a debt which is "in dispute" , contrary to regulations .... and for repeatedly trashing your Credit Rating with defaults , also while the account is in dispute ... Are there any templates for this at all?/] I don't think so as such , but if you phone FOS , state your case and ask for advice , they'll advise you of the best way forward and send you a complaint form , which is more likely to be dealt with anyway IMHO..
  5. Hi Julian , i think it maybe time to send a "blanket" letter to these DCA s .... a "once and for all|" notification (recorded delivery) that as they have failed to comply with your repeated requests , you will not deal further with them until they comply. I would also consider writing to the Ombudsman , to report HSBC for passing on a debt which is "in dispute" , contrary to regulations .... and for repeatedly trashing your Credit Rating with defaults , also while the account is in dispute ... Have you asked HSBC to remove the defaults? (sorry, I haven't read all the way back on your thread ) . That may be worth a try first , informing them that failure to comply will result in a report to the Ombudsman on both counts ... The FOS likes you to have exhausted all other avenues before you contact them .. so any hard copy evidence willl help ..
  6. Maybe time to shake their complacency a bit caro ... there is another petition I saw today managed to get 100,000 signatures .. and should now be investigated by parliament .. soo we need to aim high .. get everyone involved ..an ACB ! (all Caggers Bulletin ! LOL )
  7. Good for you Termi ,, I remember that starting ... go for it ... I'll certainly sign it ...
  8. seems awful quiet on feedback for this one ... ... just have to hope Mike Dailly or someone enlightens us I suppose ...
  9. I agree caro ,, but when you see the constituency Mark Hoban represents (Fareham , Hants ) , I shouldn't think many of his constituents will be howling about Bank Charges rip-offs . He is quite safe in stonewalling the way he did with Martin Lewis ... i.e. let's move forward and forget the people who were ripped off in the past ... GRRR! . btw I'm sorry I can't make the meet on Saturday ... but I wish you all a convivial evening ... regards to yourself Caro , Pete , PD ,Termi Tills, and anyone else who remembers me from two years ago ... family commitments mean I can't be there ...
  10. I think that says it for us all Night Owl ....we await the result with interest ... Mike Dailly has worked sooo hard for this ... he deserves a favourable result ...
  11. Hi jfadeyi1, If you've got the letter which says that they will remove the default ,, then beat them over the head with it ! Write, enclosing a copy of course, and tell them they've got 14 days to remove it .. or it's court ... Also , if you think that by failing to remove the default they have lost you something ... i.e Mortgage , grant or bank loan or anything ... tell them that too .. and ask them to send you their compensation claim procedure ... It may be a long road, but the first thing is to get them to remove the default as promised .. then come back and ask again .... someone will answer , who may be more up on the Compensation angle than I am . ....
  12. Hi BD , It's OK to have a "rammy" if there's something to argy aboot ...lol ! ....but this was hieroglyphics disguising an Advertisement for something or other ... and I've had 3 e-mail notifications of different ones through CAG under this thread ... .. beginning to think I've been hacked somehow ... .. But no doubt they'll give up and b****r off eventually ... LOL !
  13. Good morning CB and Caro ... Great work .... my e-mail has gone already to my MP ! My son still has a "Stayed" case in court .... hope this moves things along favourably ...and hopefully the Scottish cases will be favourably resolved soon to add weight to the claims ...
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