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  1. Dear CAG, I have had similar issues as other forum members with LA Fitness engaging ARC Europe to chase for 'debt'. I received a number of letters from LA Fitness claiming I owed a months membership, then two, then that they were referring the issue to an outside agency. In fairness, I ignored this as I knew I did not, and had followed the cancellation policy correctly. Eventually I started receiving phone calls, text messages, emails, letters, and voice mails from ARC. The initial phone call I answered as it came up as a mobile number and I did entertain a couple of other calls to no result. They were fairly non-threatening, until they started escalating the costs and the severity of their threats to court and legal action. The language used was always hypothetical; 'if', 'could', 'may' etc. and because of that I was still fairly unconcerned about their legitimacy. However, I eventually received a call from a chap who was rather more threatening and aggressive in his manner - his tone and approach was quite invasive and he started putting immediate time limits on when I could pay by. He suggested that if I didn't pay by 8pm that evening there would be consequences in terms of the progression of the issue. That was enough for me, so looked on-line and found this website. It instantly validated my scepticism, and having found a couple of threads with example letters, used their content to draft the below and sent it to ARC. Given I was getting contact on a near daily basis, I haven't heard anything for a month so consider they have received and understood the letter. I would like to offer my thanks to the forum, and particularly 'slick132', for their patience in assisting others with their dealing with these companies. I can definitely understand how the nature of their communication would very easily scare many people into giving them significant amounts of money that they do not owe. I hope the below letter helps to prevent this as well. Best Dear Sir or Madam, I refer to my monthly membership at LA Fitness *location* gym. I visited the gym confirming my need to cancel. I followed this visit up with a phone call to head office. I cancelled my Direct Debit mandate via my bank after the months’ notice period on instruction. These actions are adequate notice of my cancellation of the gym agreement, as per the case of The OFT v Ashbourne Mgt Services Ltd in 2011. I am now being pursued for further payments from ARC which I will not pay. If LA Fitness or ARC continues to seek payments when I have cancelled my membership properly, I will report the matter to The OFT and Trading Standards without further warning. I owe LA Fitness nothing and I will not pay you any more. Yours faithfully,
  2. A relative asked for help with a Civil Enforcement Ltd PCN. I knew time would be tight with when the CofA appeal (Parking Eye v Beavis) was due. When the judgement was released, I didn't have access to the judgement, and I wrote the appeal (pdf attached), bearing in mind what I saw online discussing the judgement. Now the judgement is up on e.g. BAILIL, I find that councils and their charges are mentioned: So, not in the way I had heard ; the CofA didn't actually say "charges in proportion to council charges are allowed", and in particular didn't say "charges disproportionate to council charges aren't allowed" (though ..... they still might?). They cancelled their PCN in response : Did we strike lucky?.
  3. Just in case anyone is interested - I had an Additions account from the end of 1998. I was told that this was the account I had to have when I finished my studies and was no longer a student. Unluckily for Barclays, I kept ALL my statements! So when I heard about reclaiming charges, I added it all up and sent in a form. No arguments - they paid me back all the fees plus 8% interest per year, even though the account has been closed for a couple of years. I also sent in a claim for the Overdraft PPI that I was charged for many years. Got that back too! Good luck to anyone else reclaiming. Just thought a success story may be useful to hear
  4. I have been helping a friend over the past few months. They were struggling financially and asked for my help. They had been aware that I often post in various forums on CAG. But did not ask for my help until it was almost too late. The debt was a credit card from 02/02. Defaulted in 2007. Since I started to help them in early January '14 and I have written just 9 letters and 11 calls (recorded). Today I got an email from my friend stating that the account is now closed and will be marked as satisfied on their credit file, plus a nice amount of cash left in credit that was refunded by cheque... The debt was over £2.5k and had seen many DCA's trying their luck. Without success. The result can be seen in my attachment which has been redacted. The reason for this post is to let new posters know the advice given on CAG can and does work, if you follow this advice you too could sort out your debts. You may not get the same result as I did but if you don't lay down and be trampled over by the banks and DCA's then you can get in control of your debts. Letters sent were CCA SAR formal complaint official complaint a few others a LBA and finally a thank you letter lol
  5. The Financial Conduct Authority (FCA) could consider a time limit on Payment Protection Insurance (PPI) complaints as part of a wider review to decide if the scheme has been a success. The FCA said it will use this evidence to assess whether the current approach is securing appropriate protection for consumers and enhancing the integrity of the UK’s financial system. It will look at how banks are handling complaints and how PPI complaints are being made. The regulator will then consider whether further action is needed such as a time limit on complaints or whether to continue the PPI scheme in its current form. The FCA will publish its conclusions in the summer. Since January 2011, firms have handled over 14 million PPI consumer complaints about the sale of PPI, upholding over 70% and paying £17.3 billion compensation. http://citywire.co.uk/new-model-adviser/news/fca-to-review-success-of-ppi-complaints-process/a795761
  6. Happy New Year To Me!! Slightly misleading as no court time needed - I had multiple mobile accounts which I stopped paying after informing them due to bad customer service & failure to provide everything promised under contract or implied contract. This they didn't like and each contract was apparently sent to a DCA etc - about £1000 in total maybe. I had got into the habit of ignoring because I'm stubborn and righteous haha but couple years later just before Christmas I was surprised to receive court papers for one of the accounts from infamous (on here) solicitors. I stubbornly waited just until the deadline (as they do) to file a defence and I just decided to go at it with full details to show that I wasn't messing/afraid and that I would be a great witness re the 51% threshold. I know the normally better method is to be brief & hold back haha. I also reserved the right to counterclaim re default defamation. Today I was actually preparing to do a CPR document request but I've just received a discontinuation of claim :D out of the blue I'm guessing/hoping this means the other accounts won't be acted upon?! Should I bother asking them to remove the default as they've tacitly accepted my defence? I know I'm being smug but im happy!!
  7. After them trying every possible trick to wriggle out of their obligation to do so and then unnecessarily wasting both my time and the time and efforts of FOS, after a fully 2 years, Halifax Bank have finally conceded (after being instructed by FOS to do so) and made me a settlement offer for miss-selling me PPI more than 15 years ago. If nothing else, this paragraph, should simply say, be patient and stick at it On reading the settlement offer letter, I was surprised to that the bank have unilaterally decided to make a deduction from the amount due to me for “taxation due, at the standard rate” Whilst the total compensation amount offered is within a few pounds of what I have calculated, I had not considered that the bank would deduct 25% of the interest element. Whilst I knew that I would possibly have a tax liability on the interest element of this compensation, my immediate reaction to this was that my Tax affairs are between me and HMRC and any liability due (to HMRC) is mine to sort out direct, at the end of the Tax Year. I called Halifax to question why they had made this decision. The response given was that this kind of deduction is “standard practice and in accordance with FSA guidelines” Can anyone advise on this please? I completely disagree with the stance taken, this bank has no knowledge of my tax code, my Tax number, my payment relationship with HMRC, or liabilities I have (if any), so any errors in calculation and or payment will be practically impossible for me to recover downstream. Whilst the bank said they would write to me confirm the deduction made, providing a copy of their notification to HMRC, I do not trust them to either do so, or get it right in a timescale that is consistent with any liabilities I have to HMRC. I also do not trust them to immediately pay the ”amount due”, giving them the opportunity to take the benefit from any interest due, rather than me. This is a bank that has already miss-sold me PPI, denied any wrong doing when I complained, lied to me by ignoring their own industry code of conduct in rejecting my complaint and then, further tried to deceive FOS when they got involved so why should I trust Halifax to correctly pay the Government on time, on my behalf. If (when?) they get it wrong, who will be left holding the baby? How can I stop these crooks doing this? I’d phone FOS, but suspect that will not want to get involved as it's not in their remit, so is there a standard letter template demanding them to pay me the amount due in full? TIA
  8. Hi, I was paying these back via step change since November. They still wanted over 900 pounds on an original 200 loan. I left step change thanks to the support of you all on here and today after a few emails they have accepted the original 200 plus one month interest of 72.50 minus what I have already paid. I will pay them 202.50 on Friday and they will mark as settled. Agreed on writing. 2 down, loads to go but there is a light at the end of the tunnel
  9. just like to thank all who post on this site ,dont post much myself but do read and learn and thanks to this have just had £4000 debt wiped out by lowells, had hfc debt sold on to lowells who chased me for two years bombarded me with phone calls and letters never produced any documents or paperwork i ask for today got a letter stating that they had wiped the debt off and would no longer be pursuing it, so to all those still figting dont give in and i found all my answers on this site big thang you to the many good people who post
  10. Today Received a form from Northampton Court/Restons Solicitors claiming £8635.55, apparently relating to an M&S card, contract dated 'on or about 17/7/1989 and assigned to the claimant on 20/02/13. It was sent to an old address and it is is in my old married name. I had an M&S card but don't think I owe anything to them. I haven't had any credit cards since I sold my house in 2010. My husband died jn 2006 and he had several credit cards, one of them an M&S card, it may be his debt? Can you tell me how to respond to this, there is no evidence that the debt is mine, they say I owe £8345.55 plus court fees of £190 and solicitors costs of £100 making the total £8635.55. Any information you can give me as to how to respond would be greatly appreciated,I no longer live at the address the Claim Form has been issued to and the name it has been issued in is incorrect. Many thanks
  11. I'd be very interested to hear if anyone has had any success in re claiming unlawful arrears etc charges from GE Money while their mortgage/loan was still current, I'm wondering how difficult GE made the process, and if they tried to make things difficult afterwards (hope I'm making sense here). As you may guess I'm thinking of going down this road, but do worry about how GE will react afterwards if I'm successful, they seem to be a law unto themselves. Look forward to your replies.
  12. I rang welcome on 28th jan 2014 for all my account details as i had loans historically with them, they gave me all account numbers and explained that i would have to contact aviva about loans prior to 2003, i rang them and they sent me a questionaire that i filled in you cant imagine how shocked i was today 21/3/2014 to receive offer of ppi redress for 3,200 less than 8 weeks and no fob off amazing underwriter pays out. I had read on most forums that it would be a battle but it wasnt so if you have a claim do it yourself and just go for it.
  13. Good morning Firstly I wish to extend my thanks for providing the inspiration and the means to support the victims of unscrupulous behaviour. I would like to seek advice. I live in a borough with a known shortage of residential parking spaces. The Council acknowledge they issue more residential parking permits than spaces available. After a very late and long drive I was unable to park outside my house and so parked my vehicle at the end of my road. My vehicle was not visible from my window and I had no cause to walk past it for a few days. When I returned to my vehicle it was plastered with 3 x PCNs based on the fact that I had parked in a 'Business Permit Holders' only bay, which surprised me, because there are to my knowledge no businesses on this road. Considering there is a shortage of parking spaces I was surprised the Council would reserve spaces for businesses as it seems to perpetuate a known problem. I believed (and still do believe) I had reasonable grounds to appeal and did so. My first appeal was rejected so I appealed again providing much more evidence. My second appeal was rejected. The Council repeatedly ignored my attempts to discuss the matter further by telephone or in writing. I visited the Council offices and requested to speak to somebody, stating I would even be willing to pay the fines in spite of the fact I believed they were unfair, on the grounds that a member of the Council would speak with me so that I could ensure my concerns pertaining to confusing signage, inadequate lighting, etc. were at least acknowledged. I was refused an audience and was forced to wait for a Notice to Owner to appeal further, thus losing my right to pay the reduced fine. The Surrey Parking and Traffice Appeals Service conceded that only 1 of the 3 fines was lawful and ordered me to pay (in full) the first of the 3 PCNs. At the time I was a student and only had £200 in my bank account. The £110 full fee thus represented over 50% of my entire life savings! I have now graduated and am seeking employment. I am receiving Jobseeker's Allowance and my bank balance has not improved! I would like to understand if there are any procedures I can follow to recover £55 from the Council. This is based on the fact that had they only issued me with 1 x PCN, I would have paid the reduced rate. I refused to pay on the grounds I was certain the Surrey Parking and Traffice Appeals Service would cancel all 3 x PCNs because £330 (or even £165 at the reduce rate) was a ridiculous amount to charge somebody with only £200 in their bank account. Additionally I believe I still have more than legitimate grounds for the original appeal. There are a number of issues that were not acknowledged by the Council, including: - The 'Business Permit Holders Only' sign is unlit. I was unable to see it in the dark. It is also taller than the residential signs and thus harder to read in low light conditions. - The 'Business Permit Holders Only' sign refers to an 'outside area' but it is not clear what this area is. - The sign is not adequately differentiated from others in the road. I believe it is there as a 'trap' to make money from people, particularly seeing as there are no businesses down a road with a shortage of residential parking spaces. - The road markings are unclear. - Although I was parked within 10 metres of the 'Business Permit Holders Only' sign (the reason I believe Surrey Parking and Traffice Appeals Service did not cancel the original PCN), I was parked within 5 metres of a 'Residents Parking' sign. Do I have any rights to further pursue this issue? Many thanks for your time.
  14. Hi all today i was successful in getting TWO yes TWO defaults removed from my credit file. Please see below my story, this show that with persistence and not being bullied can work, if anyone is having issues with this company then give it a try, this was all done via email. Its long but certainly worth a read I received an email from MMF stating that they had bought the debt from another company. I had not received any default notices/letters for this debt so i emailed asking for details. This was the first reply Dear John Balance £326.00- Wage Day Advance Payday Loans Good Morning, Thank you for your email, I hope you are well, I am Samantha your account Manager. Please email me back confirming your details below to allow me to take payment So i replied........ Hi samantha, I wish to make an offer to resolve that will suitably please both parties. I do have an outstanding balance on the account, as you are fully aware this is made up primarily of charges. However, a default to you and no payment will not achieve much and so I therefore write to try and resolve matters amicably, that will suit both of us long term. I propose to offer a full and final payment to settle and close this account to the value of 50% of the original amount totalling £163.00, which will take into account and absorb, a lot of the charges that have been added to the account throughout time. The alternative is for me to place the account formally into dispute and demand s.10 CCA (1974) is brought into play (cease & desist) whilst I reclaim all unlawful charges combined with all costs. I shall then look at the legality of the assignment of debt; the issuance of a default notice and the agreement (prescribed terms) and between them, i'll probably be able to counter sue and litigate over unenforceability. To confirm, I am more than happy to settle as much as 50% of the total amount owing so long as you can agree to, and ensure that, the following actions will be carried out •The Default Notice will be removed •The Status of the account will change from “Defaulted” to “Settled” •The Current Balance will appear as £0.00 •The Default / Delinquent Balance will be set to £0.00 •There will be no date in the “Defaulted Date” field (as it will be removed) •There will be no date in the “Date Last Delinquent” field on the report •This will apply to all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit If you're happy with my proposal, please respond confirming each of the above points on official letter headed paper, confirming the exact amount owing and I will send my payment details by return. Failure to agree will result in more formal papers being sent, by return. I look forward to your response. she replied.... Dear John The lowest amount of a settlement figure I can offer you is £260.80 giving you 20% discount You actually borrowed £240.00 on the 28/02/2013 and agreed to pay back the fixed interest of £70.80. When you agreed to the terms and conditions you agreed to pay back £310.80 by 25/11/22013. As it wasn’t paid back breaking the loan agreement Wage Day Advance Payday Loans put on £103.20 default charges and £12.00 failed direct debit fee Which they are within their rights to do when the terms and conditions of the loan agreement are broken. You have paid back £100.00 As £163.00 would be less than you borrowed we cannot close it down for this amount. Thank you Sam I replied..... Hello Sam, Thank you for your reply, I am happy to pay the amount you stated with the deduction of 20% however could you confirm in writing and via email that the below points will be completed please? •The Default Notice will be removed •The Status of the account will change from “Defaulted” to “Settled” •The Current Balance will appear as £0.00 •The Default / Delinquent Balance will be set to £0.00 •There will be no date in the “Defaulted Date” field (as it will be removed) •There will be no date in the “Date Last Delinquent” field on the report •This will apply to all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit Kind Regards john she replied..... Dear John I have had a response from a manager – We are unable to remove a default that was legitimately there. This would be classed as falsifying a credit file and could lead to irresponsible future lending. We will however show this as fully satisfied which will start to repair your credit file. This will be better than it remaining outstanding and collections activity continuing. Basically we will show the balance is settled in full at a 0 balance , but a default can’t be removed once it’s on I’m afraid, All 3 credit reference agencies will be informed on the 15th of the month after its paid and it will then take them 6-8 weeks to update their records. Thanks Sam I replied...... Hello Sam, Thank you for your reply, I have to disagree with what you have stated as i have recently had a default notice removed from my credit file from another company as unsubstantiated. On looking through my paperwork and letters I do not have a recollection or evidence of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. On thinking further on this matter, it has been brought to my attention that a satisfied default does not mean anything in the eyes of lenders and sadly will make no beneficial change to my credit rating. regards john she replied..... Dear John I have requested the original credit agreement to be sent to you by e-mail , have you received this? The default is registered by the company you took this out with Wage Day Advance not ourselves there is no way this can be removed When you default on a account on your credit file all you can do is make payments to improve this, a default cannot be removed. Thanks Sam i replied...... Hello Sam, I have not received this as of yet, also i have not received such a letter of default from Wage Day Advance either. I request an original signed copy of the default notice as without this the debt is unsubstantiated. I would like both the original credit agreement and original default letter sent to the address stated in my previous email. You have 12 working days to supply a copy. After 12 working days the agreement is unenforceable without a court order until the agreement is produced. After 30 days, if the agreement has not been produced then the lender (Wage Day Advance) has committed an offence under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Kind Regards john she replied..... Dear John You should get the copy of the credit agreement by e-mail either today or tomorrow it’s been sent for you I passed this to a compliance manager , he has spoken to wage day advance and agreed to remove the default for you If you can pay the £240.00 to clear the account I have been advised to tell you we can answer yes to all of your questions. Thanks Sam i replied..... Hi Sam, Thats great news however i would need that please in writing from Wage Day Advance stating that they will remove the Default Notice and: •The Status of the account will change from “Defaulted” to “Settled” •The Current Balance will appear as £0.00 •The Default / Delinquent Balance will be set to £0.00 •There will be no date in the “Defaulted Date” field (as it will be removed) •There will be no date in the “Date Last Delinquent” field on the report •This will apply to all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit Many thanks for your help thus far Kind Regards john she replied..... Hi John We own the debt now so you wouldn’t get it in writing from them as we are the legal owners It would be in writing from ourselves I’ll get you the Notice of assignment of debt sent to your e-mail also Thank Sam i replied..... Hi Sam, Thats great thank you, If you could also send me a scanned copy via email for my records that would be greatly appreciated. Kind Regards she replied..... Dear John I can’t do anything until its paid I’m afraid , as soon as you pay the settlement figure My colleague can make arrangements to get the default removed we can’t do this while it’s still outstanding After its closed we will credit and close the account to show its fully satisfied, get you a letter of satisfaction sent out and remove the default For you also get that sent out to you None of this can be done until its paid and closed Thanks Sam. i replied.... Hi Sam, I will need a letter in writing stating that you will do this please, I cant simply go on the word of an email. If you was to in turn not remove it i would not have a leg to stand on. Im not asking it be removed before i pay, just that you send a letter stating that when i do pay it will be removed. Many thanks she replied.... Dear John I have requested this for you from Admin by e-mail and post, should be with you asap The default will not be removed until its paid The offer is only open for the next 24 hours Thanks Sam i replied..... Sam, unfortunately i wont have the funds until the end of this month, i can send my card details so you can take the funds on the last working day? Kind Regards she replied.... Sorry John We wouldn’t be able to hold this until the end of the month. i replied.... Hi Sam, To make you aware i still would need an original copy of the default letter that was sent, as i have not received this and did not receive it originally then this debt is still in question and no interest or action can be taken on a debt that remains under investigation. I have emailed my legal advisor from trinity legal services and explained the situation. I agree to pay the debt but can not until this month ends. Plus as stated I will only make payment once a written and posted letter is received. If you cannot accept this under the same conditions for the end of this month then sadly i will not pay the debt at all and will send all correspondence to the relevant legal authorities and get them to investigate the debt further as i have no recollection of any past correspondence and this most likely will result in the debt being removed without payment. This certainly is not beneficial for yourselves. So please inform me as to whether i can pay in 17 days and under the same conditions or whether i need to cease all communications and send all relevant information to the appropriate authorities. Many thanks john she replied.... Dear John I have spoken to a manager , he is prepared to still give you the discount and remove the default If you pay at the end of the month on the condition you provide your debit card details to set this up. Also yes you will still get the information you have requested. Kind Regards I replied... Hi Sam, Many thanks, i will get the card details over to you in the next 30 minutes, can you please take the payment on the 31st May. i just received this email also? Please contact Motormile Finance regarding your outstanding account on 0113 887 9900 quoting reference M295150 Is it possible to pay this and get it removed also, its for a mere ?68.00 regards john she replied..... Dear John This one is a national cash advance with ?68.00 outstanding As a good will gesture I will get this written off for you and e-mail you a letter of satisfaction , The other account will all be dealt with as soon as its paid , I have set up the plan for you. The default will be removed from your credit file within 15 days of payment Calls/action will stop on both accounts in 24 hours. :)
  15. just got home from having a puncture on my mobility scooter lol, and came home to find that Vanqis are having a bop now ffs lol.... i sent in all required information to them recorded delivery ( i have proof of delivery and signature) disputed the excessive charges currently (£400)+ i do have repayment option plan and they have now said they will respond to my complaints for refund within 56 days, so using this snippet of info if i now get a DCA write to me i wait 56 days or near enough to reply
  16. Hi all I have been dealing with this old ladies debts for 5 months, when I sent in a CCA request 17/01/2014 this was not forthcoming, a letter was sent in requesting them to write off the debt off, due to being uncollectable due to no spare money,Also a complaint was sent in last week for failing to supply the requested CCA. I was very surprised to have a letter back so soon, stating a zero balance was now due. This is the quickest that I have ever known a DCA to do as much so all in all just 3 letters for this debt and success in record time.. The DCA was Robinson Way.
  17. Hi all - I've successfully claimed from MBNA for missold PPI - incredibly easy so I thought I'd have a go at Barclaycard. I submitted SAR and got 6 years of statements showing my PPI active from 2006 - 2007 when I cancelled it (I realised it was a pointless expense). However I noted PPI has been on the account since 1989. Now initially BC turned down the complaint so I went to the FOS and strangely they've caved in as soon as the FOS process was started. I've received a letter from the FOS telling me I will receive an offer by the 4/1/13 however I'm not sure what a fair offer would be - ie will it only be for the year I can show PPI payments or should it include the payments back to 1989? As I can't prove how much I paid can I be paid an amount based on a average yearly balance etc and do barclays keep records like that? Thanks all
  18. I do have a thread on this but didn't put this on there in case it got missed ..Firstly I like to thank DX for his expertise Couldn't of done it with out your help AN Angel in the making .....Well Halifax have upheld my complaint no questions asked ..And are refunding £3, 100 just over a 1000 short from what me made it , But Im very happy with that ..DONATION WILL BE MADE WHEN RECEIVE AND CHEQUE IS CLEAR ..Thank you guys soooooooooooooooo much
  19. Hello all just wanna say some things here. So i received my ESA questionnaire last month, i was worried and my mental health issues got a lot worse due to the worry and horror stories i read, just a little over a month later (yesterday morning) i received a decision and was put into the support group WITHOUT a medical we provided nothing to them only my story and contact details of my doctors. Now don't get me wrong i am grateful for the support but i can't help but feel terrible about it, i fill in a form and get it without an eye blink BUT someone who is terminally ill or seriously ill or even someone without arms and legs are made to go to a medical and be judged, then they receive a letter saying they are fit for work, how is this right? how can they do this to people?, i suffer from severe depression and severe anxiety of course its an illness but there are some people out their that are physically ill who can hardly move being forced to work!. Rant over, things need to change, i actually wanted a medical because it was only fair!, i feel awful about it, i know i shouldn't but oh well. Thanks for listening. (sorry for the grammar)
  20. Just received a cheque from Natwest almost 2 years after I started my complaint. They finally capitulated after a complaint to FOS. Total PPI payments were £2329 but they have only added interest (at 8%) of £965. No contractual interest. What is the next step? suvin50
  21. Have been chased by Lowell for a debt I am unaware of for months. Have just returned their letters up to now. I then discovered the cheeky scamps had recorded a default for the debt on my credit records. I know there are template letters but I sent my own on 14th May and got a response on 17th May! Response states that they have closed the account with immediate effect AND have removed the entry from my credit files. I'll post the body of my letter once I've removed personal info. Obviously delighted by the outcome so feel free to copy the letter I sent.
  22. Hi, Can anyone point me in the direction of the thread for the success case against RBS under BCOB? Or the news link. Each link I find seems to go nowhere. Cheers
  23. (Thought i had posted this but it didn't show) Hi everyone, i have just had a nice big cheque from the FSCS for mis sold PPI plus interest - it is only 90% of the claim but it is a nice place to be after all these years. My question is - Do i still owe the loan company for PPI now it has been declared mis sold? i will be asking them to redress the loan but can i expect them to remove the PPI from it? any advice very much appreciated cheers
  24. HiGuys, Ihave had a PPI claim in with John Lewis Financial services, who provided mewith a mastercard from 2004 to 2010. I have todayreceived a response headed "WITHOUT PREJUDICE SAVE AS TO COSTS" It goes on to say, "Unfortunately,we can confirm we are unable to uphold your complaint. Notwithstandingthe above, and without prejudice, a business decision has been made to refundall remaining PPI premiums, Please note that as we are only obligated to retainrecords for a maximum of 6 years, the refund is based on the premiums we haverecord of." It also refers tothe refund as a goodwill payment and provided the breakdown of the refundbelow, which makes little sense. Manually enteredpremiums £63.95 Pre-statementperiod estimated premiums £0 Total PPI premiums£63.95 Interest chargedto card(non-taxable) £6.95 Allcredit interest(taxable) £37.94 TOTAL£108.84 Ithought a financial organisation must retain records of your account for aminimum of 6 years after the account had been closed. Is this the case? Itappears that they are unwilling to commit to upholding my complaint but aretrying to fob me off with an estimated premium as a goodwill gesture as theyhave failed to retain my records. I believe that over the 6 years the accountwas active there would have been a rather more substantial amount of premiumspaid on the account as the account was maxed out for the first 3 years. Also,should there not be compound interest added to the refund they have offered? Anyideas on where I should go from here? Thanksin advance guys.
  25. Guest

    PPI success but....

    So Barclaycard have paid me out for miss sold PPI but there is still a balance outstanding on the credit card. I received a cheque last week for over 11k I assumed that Barclaycard would clear the debt first then post a cheque for the remainder. The thing is, because I am on ESA and on a low income now, I have been making reduced payments and they have stopped charging me interest. I am also making reduced payments to 3 other debts who have also stopped charging me interst too. Obviously Barclaycard are going to notice their error and ask me to pay the balance off. But wont that mean that I am not treating the other 3 debts fairly as I would not be able to pay those debts in full. Where do I stand, I truley want to pay all my debts off. Advice is more than welcome
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