Hi and thanks for all your remarks, Just having a few days rest and relaxation with her indoors, then I will start to attack again. Once cheque received and cleared donation will be made as usual, Thanks for input on this Halifax case, look forward to more fun and help with the Carcraft Case, and I know you are all up for it I hope everyone as had a good xmas and a new year party, now lets get down to business as usual. hail to the cagger's regards mike

Hi takeitallaway, I have a car on HP as well and I have sent my claim into Carcraft as the finance was sold by them to me. I tried to approach the finance company who I pay every month but they told me that they were not the ones I could claim from as they are only the finance company. So who did you buy the car from (first) then they are the people who mis-sold you the PPI if at all they did. Please have a look around the caq site carefully as other members may be having the same problems with other remarks. Think first read alot then when you think you have a remedy post you comments and lets see what we can do. Have you asked them for a copy of your agreement and does it contain PPI payments, if you dont have a copy you have to get one through a S.A.R Request letter is available from the forums libary. I hope this helps regards Mike

Hi Hellasnofury, I am in the motion of downloading my DCA file from Credit Expert, once the cheque and the letter of loan payment in full is received I will get on with everything else. So should I send a acceptance letter as once paid, it means that the loan is clear at last and that is the most important thing on my mind at present. Regards Mike

Hiya Gang, Here is the reply from Halifax so far, where do I go from here ?? Do i accept or go with aletter of some sort,???? Any suggestions will go down well at this time, the figures fall short of what alanalana as worked out but its nearly there,. Here goes. Dear Scouser9, I am pleased to confirm that the redress of your Payment Protection Insurance (PPI) on your Halifax loan has now been cpmpleted and I apologise for any delay you have experienced in your redress calculated. The calculation considers the number of premiums you paid towards PPI, plus the interest charged on these premiums at the rate of your loan, plus interest at 8%. Below is a breakdown of the compensation calculation. Refunds of premiums paid to date = 1,132.86 Refund Of Interest at 10.9% APR = 442.82 Interest for compensation at 8% = 443.03 Total Redress = 2,008.71 The rest of the letter states that they will take that will take payment of whats left of the loan owed leaves me with a total compensation amount payable to me of 304.59 I can consider this as a win WOOHOO for me:D Now for Carcraft teehee Regards Mike

Thanks for all the info Alanalana, I will browse through it all, and give my feedback later Thanks again Mike

Thanks for that alanalana regards mike

Thanks Pompey regards mike

Hi alanalana, Great thread im glad you succeeded in a lot of items and good look with the rest of your quest, in the words of Peter Kay make them (ave it)!! Im just starting on my own quest concerning PPI with 2 companies please take a look at my thread. Any imput would be apprieciated http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/174373-scousers9-ppi-thread.html thanks in advance Mike pps. good luck with the search for new car, I tried to get a new car for the wife, but the salesman would'nt swop lol

Hi Hellasnofury, Just a thought how long back can you claim mis-sold PPI, as someone said to me that it would be like bank charges, ie that we can only go back 6 years, do you think this is true. As I am unsure about claiming one of my claims other than Halifax and Carcraft. I still cannot post attachments so I cannot post my loan agreements for you to peruse, perhaps I should ask a mod to intervene eh? Obliged for all your help. Mike

Hi hellasnofury, Thanks for the excellent work and quick reponse, I dont understand what blips are, I have read the info link you sent and it seems com=nfusing to me but I get the drift about adding PPI after the point. I will scan and post both of loans in a short while im not to sure how to do it but i will sort it. I will post both meaning Halifax and Carcraft documents Thanks again regards mike

Just a quick update here is my link to my PPI claims and letters regards Mike http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/174373-scousers9-ppi-thread.html

Hi here we go with the Carcraft Robbery or Loan as they put it!!!! Start date 6/8/2004 CASH PRICE 6,090,00 GAP INSURANCE 150.00 PPI 1,258,00 DOC FEE 100,00 OPTION TO BUY 50,00 CASH DEPOSIT 100.00 TOTAL CREDIT 7,548.00 HIRE PURCHASE 4,528,80 BALANCE TOTAL 12,176,80 APR 28.5 48 MONTHS @ 251.60 I have received my cca request in the form of a full photo copy of my agreement and with my signature. I pay Marsh Finance of Rochdale my payments. And I approached them with a Miss Selling PPI claim and they said the following. Dear Scouser9, In response to your letter re mis-selling of Payment Protection Insurance,(PPI), the policy was sold by Carcraft who are independent to Marsh Finance and are in no way linked, Marsh Finance Ltd are purely the financing company and not the seller of the policy. Carcraft is fully approved by the FSA to sell insurance policies. Therefore we are unable to comment re the claims that the policy was mis-sold and not liable for any compensation So Ive already sent a mis-selling letter off to Carcraft just waiting for reply. What do you think so far, Ive got the Carcraft telephone number off CAG and will be useing it as soon as I know the figures Thanks in advance Mike

Hi Hellasnofury, Yes ive received a full copy of my loan agreement its a true photocopy with my signature and everything on it, I had a copy from Halifax and Moorcroft, and since that they have closed my bank account but not my savings account. I also have a laid out payment by payment from Moorcroft is that what you mean. I have a telphone number to the woman dealing with my case and its on my previous posts and she says to get in touch to discuss the account,? what do you think. Perhaps I give her the figures you have worked out and she pays me (wallah) as if it was that easy. And Ive another money matter with Carcraft that needs to be worked out on a spreadsheet could you please do that one for me as well hellasnofury please, im useless with figures and spreadsheet. Thanks in advance mike

Hi, Hellasnofury thanks for the figures what do you mean by the ca request please mike

Hi jackie and welcome to the best forum on the net for any problems shared is always a problem solved. A little advice read up on the subject and other like for like case's on the forum pages until you are happy with with the way things work. Post your problem then lets get to work and dont worry about anything we can nearly always make a difference. Nice to have you on board and good luck regards mike

Hi again, I also received this letter on the 25/11/2008 in regards to same account. Midas Legal Services PO BOX 402 George House John Street Stockport SK1 3 EG Dear Scouser9 Re:- Halifax LIGATION WARNING We have been advised that you have failed to reach a repayment agreement with Moorcroft Debt Recovery Ltd cvoncerning the above account and have been asked to prepare a file for review prior to commencement of any legal action. To prevent further action you must contact Moorcroft Debt Recovery Ltd at the following address. Moorcroft Debt Recovery Ltd P.O. Box 17 Moorcroft House 2 Spring Gardens Stockport SK1 4AJ Tel:0161 475 2808 Failure to contact Moorcroft Debt Recovery Ltd by the 02/12/2008 may result in the issue of legal proceedings without further notice. Now my question is this with all these people sending my letters who has given them permission for my data to be shared, and I am very confused with all these people saying one thing and another who is the biggest threat, what do or who do i get intouch with first, ooooohh my head hurts. Any suggestions anyone regards mike

Hi Hellasnofury, Firstly let me thank you for your help and your fast response's. I will try to answer as you have asked the questions. 1. The date was 22/02/2003 2. I received a letter from Moorcroft on 3rd Dec 2008 as follows. Dear Scouser9, I write further to your recent correspondence dated 22nd November 2008 in relation to the above account. I am the Supervisor of the department that deals with queries and complaints of the kind that you have raised. Obviously it is necessary for me to fully investigate the circumstances surrounding your complaint and it will also be necessary for me to discuss the position with our client (Halifax), I have therefore placed your account on hold and I would ask you to accept my assurance that i will revert to you as soon as I possibly can. Thank you for your assistance Mrs K Murray Operational Support Supervisor. Then 9 days later I recieve this letter from people i dont know at all regarding same account. IQOR Recovery Services Ltd Preston Dear Scouser9 Halifax PLC have passed your Debt to IQOR Recovery Services Ltd with instructions to recover your outstanding balance in full, Accepted methods of payment overleaf. If you do not take action to resolve this matter immediately, we may commence legal action in the county court / sheriff's office. This may result in a judgement being recorded against you. Any judgement or Decree entered against an individual is recorded on the public register and is likely to affect their credit status and ability to obtain further credit in the future. We may also instruct a Debt Collector to visit your home and collect the debt personally if you do not make an acceptable payment proposal. If you think you cannot pay the debt in full at present then call us immediately between 8.00 am and 9.00pm Monday to Friday ti discuss how you are going to pay this debt. YOU SHOULD MAKE YOUR PAYMENTS DIRECTLY TO US, AS THIS IS ONLY WAY TO ENSURE THAT OUR ACTION STOPS IMMEDIATELY This Moorcroft outfit was worrying enough now these fellows have come on board from where and why when I still have a dispute with Halifax is beyond me. I will appreiciate any letter ot comments that you may think will help me, but firstly I think we have to stop Halifax paying money ???? of dont know how much to them, as it is my money not theres Thanks I await your response in anticipation mike

Hi Bobby, They have not mentioned what they are paying back,or when exactly they just mention about four weeks. I have tried to work out the figures useing the spreadsheet but I dont really understand how that works and in which way to write my next letter of attack, all help would be apprieciated here are some figures I hope these help Cash Loan 6,000 Charge for credit 1,860 Total 7,860 Insurance Loan 1,385,52 Total Charge for Insurance Loan 398.28 Total Insurance Payable 1,783,80 Monthly payments for 60 months 160.73 annual percentage 10.9% monthly interest 0.869% Total Loan 7,368.52 total charge for loan 2,258,28 total repayable by me = 9,643,80 regards mike

Thanks Hellasnofury, will use it in future best regards mike

Hi Folks just thought I would update my last message with Halifax's answer to my letter post #24 What I need to know how is what di I do next ie I have tried to work out what they owe me and I dont understand the CAGs Spreadsheet for this. So any help would be apprieciated. Dear Scouser9, 2nd December 2008 I refer to your recent complaint regarding the Payment Protection Insurance (PPI) on your Halifax loan. First, on behalf of Halifax, please accept my sincere apologises that you have felt the need to complain. All such complaints are taken seriously indeed and to ensure I have understood and therefore addressed your complaint, I will now take the time to summarise your concerns. You believe you were mis-sold insurance taken out with the above loan agreement for the following reasons: You were not told that the insurance was optional You were led to believe that your application for credit wouild be rejected if you did not take out the insurance. The policty exclusions were not explained to you either before or at the time you took out the insurance. You were therefore unable to make an informed decision as to whether this insurance was appropiate for you You now believe the insurance was unsuitable for you as you were self employed at the time you took out the policy and was not not made aware of the specific exclusions relating to unemployment cover. You request a refund of all premiums paid to the policy, plus any additional interest charged to you because of the PPI, You would aslo like to claim statutory compensation in view of the fact that you have been deprived of the use of this money. As part of my investigation into the sale of your PPi, I have considered the information available to me. Having do so, and in view of the fact that you are a valued customer, I have decided to pay you an amount which will put you back in the position you would have been in had you had not taken the insurance. This is done without admission of liability and in full settlement of your complaint about the PPI on your loan. Where an account you hold with Halifax is in arrears it is our Policy to offset the amount of redress we are offering against any currently outstanding balamce. By taking this action wea are helping you to ensure that interest and / or charges in relation to your loan are reduced. Therefore, if you are in arrears, the redress will be used to reduce or clear the arrears and any surplus will then be paid to you. It is anticipated this payment will be made within the next month. If at this time you hold an open account. If you do not hold an open account with Halifax or Bank Of Scotland the settlement will be paid to you by cheque. I trust that this offer has addressed your complaint fully, however you can of course contact me directly on the telephone number at the top of this letter should you wish to discuss any aspect of my review further. Yours sincerely Claire Hardy Customer Relations Manager Tel 01244 - 695533 Where do I go from here guys and gals thanks in advance Mike

Re: Full Subject Access Request for ppi Hello, Just a quick request for help and to check wether ive done right or not concerning PPI. Heres the letter I sent to Halifax and I will type the their answering letter in afterwards, sorry for jumping on here If a mod would kindly start another thread with this I would be grateful. Here's My letter I purchased the above policy from you in [Febuary2003] in connection with the [loan agreement] referenced above. I believe that I was mis-sold this policy for the reason(s) given below, and wish you to investigate my complaint according to your normal complaint procedures. I was not told that the insurance was optional.[/font] I was led to believe that my application for credit would be rejected if I did not take out the insurance. The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me. I now believe the insurance was unsuitable for me as I was [self employed] at the time I took out the policy and was not made aware of the specific exclusions relating to unemployment cover. If my complaint is upheld I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money. Please now investigate my complaint within the eight weeks allowed to you. Yours faithfully And here's their reply. Halifax Boffins UK. Dear Scouser9, Thank you for your recent letter. I am sorry to hear your concerns regarding the insurance applied to your loan. We are keen to deal with your concerns as quickly as possible, however our investigation may take some time. The Financial Services Authority allows us up to eight weeks to investigate complaints and it is our intention to deal with your concerns within this timesacale and provide updates when appropiate. Please find enclosed a copy of our leaflet, which tells you how we will handle your complaint. Yours Leanne Clegg Now when I took this loan out I was working full time, then I had a serious accident at work which made me diasbled for life, the halifax knew this because of doctors and specialist letters, which I supplied as I thought when needed, now I cannot pay this loan at any price and its been handed over to Moorcroft &*&&^ heads who are badgering me, I thought that the insurance would kick in with payments because i couldnt work. It has never happened Im 1986 pound in arrears and like I said I cannot pay a dime, I have 2 daughters and they seem to take up every penny and what with living expenses getting worse. I really feel like cutting my throat. any help or advice would be gratefully received. sorry for jumping in regards mike __________________ Keep claiming the right Mikey

Thanks Hellhasnofury, but i am still having trouble, I know what a new thread button looks like but it doesnt link me to a new start when pressed it keeps saying button no link available or I am not authorised ?????. So yes please can you please start me a new thread with scouser9 versus PPI thread title I thank you for your advice and help, I think i have posted three letters in this post can you move them to same thread thanks, Then I can better track of the items Happy Xmas Regards Mike

I dont have a thread and I have asked for one in my first post on here above I dont know how to start a thread and the link to start a thread on my end doesnt work regards mike

Hi Folks just thought I would update my last message with Halifax's answer to my letter post #24 What I need to know how is what di I do next ie I have tried to work out what they owe me and I dont understand the CAGs Spreadsheet for this. So any help would be apprieciated. Dear Scouser9, 2nd December 2008 I refer to your recent complaint regarding the Payment Protection Insurance (PPI) on your Halifax loan. First, on behalf of Halifax, please accept my sincere apologises that you have felt the need to complain. All such complaints are taken seriously indeed and to ensure I have understood and therefore addressed your complaint, I will now take the time to summarise your concerns. You believe you were mis-sold insurance taken out with the above loan agreement for the following reasons: You were not told that the insurance was optional You were led to believe that your application for credit wouild be rejected if you did not take out the insurance. The policty exclusions were not explained to you either before or at the time you took out the insurance. You were therefore unable to make an informed decision as to whether this insurance was appropiate for you You now believe the insurance was unsuitable for you as you were self employed at the time you took out the policy and was not not made aware of the specific exclusions relating to unemployment cover. You request a refund of all premiums paid to the policy, plus any additional interest charged to you because of the PPI, You would aslo like to claim statutory compensation in view of the fact that you have been deprived of the use of this money. As part of my investigation into the sale of your PPi, I have considered the information available to me. Having do so, and in view of the fact that you are a valued customer, I have decided to pay you an amount which will put you back in the position you would have been in had you had not taken the insurance. This is done without admission of liability and in full settlement of your complaint about the PPI on your loan. Where an account you hold with Halifax is in arrears it is our Policy to offset the amount of redress we are offering against any currently outstanding balamce. By taking this action wea are helping you to ensure that interest and / or charges in relation to your loan are reduced. Therefore, if you are in arrears, the redress will be used to reduce or clear the arrears and any surplus will then be paid to you. It is anticipated this payment will be made within the next month. If at this time you hold an open account. If you do not hold an open account with Halifax or Bank Of Scotland the settlement will be paid to you by cheque. I trust that this offer has addressed your complaint fully, however you can of course contact me directly on the telephone number at the top of this letter should you wish to discuss any aspect of my review further. Yours sincerely Claire Hardy Customer Relations Manager Tel 01244 - 695533 Where do I go from here guys and gals thanks in advance Mike

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