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Found 13 results

  1. Having recently (well, just before Christmas) scored just under 7K from Monument for payment break protection payments, i have recently remembered an account i had with The Midland Bank which was some kind of revolving credit arrangement. This was many many moons ago and i cannot remember the exact details, however i do remember that the loan itself was in the form of two credit cards, one Visa and one Mastercard. Another thing i distinctly remember is the branch manager at the time telling me i would 'need to protect my payments'. I don't know if this does fall into the category of a loan or a credit card, but are you of the opinion that this is something that should be looked into? I'd appreciate any input. Many Thanks Nick
  2. Hi, My father had PPI with Midland Bank in 1990. They've made him an offer, which is all repayments on the premium, plus simple interest, and totals about £400. The issue is that all repayments came out of his Midland Bank overdraft. So they also incurred him overdraft interest, a portion of the monthly overdraft turnover fee (0.75% on any debit in the overdraft), and a portion of the 1.25% annual overdraft arrangement fee. He came out of his overdraft in 2005, so assuming that the PPI was the last part of the overdraft paid off (a fair assumption since without it he'd have come out of his overdraft sooner), we totted up that PPI has put him out of pocket around £4000. I.e., that's what they've made from him. I think the calculation is reasonable, the question is what are his chances of being able to claim it back? The bank have only said that they won't consider such incidental issues unless directed by the Ombudsman, and the Ombudsman have said they think the bank has made a reasonable offer. I note neither of them have come up with any legal reasoning. Thanks for any help.
  3. I'm posting on here as my query is related to PPI. Can anyone let me know if they've managed to obtain copies of old Midland Bank/HSBC credit card statements from the mid 1990's? I have the account number but no paperwork. I've read about one other poster on here who took HSBC to a small claims court in 2007, for non compliance over a DSAR and bank charges complaint. Has anyone else had a similar experience and had to take matters this far to get their data. I asked the ICO for an opinion and they accepted the bank's advice that they only hold statements from six years ago
  4. Hi guys, I'm currently self employed, and applied for a property form midland heart on the intermediate rent scheme as im trying to save for a mortgage. I went through all the process, providing a guarantor etc and was meant to move saturday just gone, may 14th 2016. Midland Heart came back to me and said, they cant do the move because they dont allow guarantor on this scheme yet, I was told I needed one and paid for the referencing via homelet. This is the day before I was due to move. Homelet sent back my income as 0, as ive been unemployed for under 12months. Homelet say they only accepts tax returns as proof of income. It just seems ive being penalised for being self employed. Is there anything i can do because Im basically homeless right now. I have no where to go, midland heart just left me in the dark. I was due to move, stuff packed, new furniture ordered to the new address even had a date for a sky installation. Thanks
  5. Hi I have just found some old paperwork for a car loan i took out with Midland Bank in 1997 (now HSBC).. As you can see from the photo - They charged me £959.29 for this "credit protection insurance loan". Now seeing as the loan for the car was only £6000 - They charged me a sixth of the value of the loan for this insurance.. Credit protection insurance loan was £780 - and on top of that they charged £179.29 interest (total charge for credit). Can someone tell me if this is part of the PPI story - and am i entitled to claim this back? Should i goto HSBC direct - and save myself the fee PPI companies charge - or would i need to goto a PPI refund company to claim it back properly. Any assistance would be appreciated! Thanks Steve (p.s. I covered up my name and address in photo as advised by my friend - just in case!!)
  6. I was after some old Midland Bank missing statements and Credit Card details so I sent an Subject Access Request to Head Office in Canary Wharf, London. Can someone advise if that was the correct address ? Also has anyone else had any luck receiving anything from the early 90's ? I know it's a long-shot but could help me out big-time with some old loan accounts. Cheers Baz
  7. I am not certain if these jokers were ever a legitimate DCA but it seems that justice has caught up with one bunch of rogues who have persecuted someone innocent http://www.mirror.co.uk/news/uk-news/ruthless-blackmail-gang-conned-grieving-4301240
  8. Hi. I have been looking into the SRA Rules, Railway By-laws and a friend's Penalty Fare Notice. One or two things aren't covered, as far as I can tell, so I thought I'd see if anyone on here might have an opinion or some references to legislation. My friend doesn't need advice on how to deal with the PFN, this is simply a theoretical exercise to round off my understanding of the possible consequences of two scenarios: 1. A passenger without a valid ticket is stopped by a revenue collector upon attempting to leave a station. Upon questioning, the passenger provides their name and address, but refuses to comment further. What might happen? I understand that refusal to supply details of the journey taken may be detrimental to a defence, but on the other hand can any journey be proven to have taken place without the passenger's admittance? Would you be liable to on-the-spot arrest for fare evasion? 2. A PFN is appealed, but by then RPSS, on behalf of LM, wants a £20, then a £40 administration charge just for the privilege of the passenger having to await and then dispute the unfavourable Appeal Decision. If the PFN is then paid, there will be no chance of prosecution, I assume (as the only unpaid fare was the Penalty Fare), and so if RPSS want their charges paid they would have to make a civil claim for the admin fees alone. Do they actually ever do that? It could be argued that collection should have been put on hold whilst the PFN was under appeal, or until at least a few days after the Appeal Decision, as opposed to jumping in straight away with added charges at the same time the Decision was notified. The amount of the fees could be disputed, I would think, as £20 per standard form letter is obviously a lot more than the admin costs would actually amount to. The PFN was, and is, if they carry on, being fought on three points, FYI, which were lack of Warning Notices at New Street, failure to give the passenger a copy of the PFN (they could and should have posted it after the passenger walked off without taking it according to my interpretation of the Regulations, 'give' being held to its dictionary definition in the absence of a specific meaning in the legislation) and failure to advise the passenger of their right to appeal the PFN. The Revenue Collection Officer actually said that the passenger had lost their right of appeal due to not signing the PFN (which isn't a requirement, nor is giving them your DOB, BTW).
  9. When I moved into my house, Midland Heart never informed me of the anti-social behaviour and racist behaviour of my neighbours. After living in my house for a few months, my children and I went through a lot of aggravation with the neighbours, and when the local school found out that my children and I (black/mixed), were living at this address, they were visibly shocked, and went on to inform me that the last family to live in my house had to be removed by police escort because of these neighbours. In fact they informed my that they, the police, the council and Midland Heart themselves had fought to get the neighbours removed. And when the previous family in my house had been moved for their own safety, the police had told Midland Heart "No more". Midland Heart paid to have an 8 foot fence put up between our two houses (as the neighbours had constant knife and nail throwing competitions between each other, and my car got that damaged I had to sell it for scrap), Midland Heart also pressured me into having covert cameras fitted into my house, to catch the neighbours drug dealing, selling stolen property, racist behaviour towards my 6 yr old, stealing from my garden, climbing the fence and walking through my house if we had the back door open to get fresh air. (it got to the stage were we could not use the back garden for 2 years). When I had my car and washed it every Sunday, they would make monkey noises at me. My then 6 yr old, was so frightened of them, that he wet the bed every night, and used his action men toys, power ranger toys and toy story toys to block his bedroom door because he was so scared of the bad people coming into the house to hurt him. What they put us through was nothing compared to what they put the last family through. Midland Heart should not have put my family and I in this house. We went through 2.5 years of stress and hell. My question... can I take Midland heart to court?
  10. Since joining this site with regards to a debt company chasing me I decided to go through old paperwork I found Midland bank credit card statements from 03/94 to 07/97 where they had been charging me Cardholder repayment protector. I defaulted on this in 02/97 as I put my business into receivership. I told them I was out of work and the continued to charge me interest and late fees until the debt was taken over by a debt company. I then did a deal with them and paid it off over the next 15-20 years. What I now realise is they never offered to pay out on the protection they charged me. They just stopped adding it to the bill for the last few months but kept adding interest. What is the best way to go about claiming and what could I claim for? I was a director of a LTD company so in my opinion self employed? If not why did they not pay me when I was unemployed. Do I send a SAR letter or just claim against them for miss selling. Are there any templates I can use. Thanks Alan
  11. Hi all, I have realised that we were missold PPI on a mortgage taken out in 1993/1994 from the then Midland Bank. I have binned all the supporting documentation after the house was sold. Is there anything I can do to recover this money, or will the bank most definitely insist they cannot investigate given the timescale since it was first sold. Many thanks for your help.
  12. MIDLAND COMMUNICATIONS DISTRIBUTION LIMITED ( NOTTINGHAM ) ( ORANGE DISTRIBUTOR ) Hi Does anyone have an account with Midland in Nottingham. We want to know if they are any good. I have seen reviews etc on this site and others which are not very good. Does anyone work with them?.
  13. Hello, I am seeking advice on a situation involving a prosecution letter from London Midland which reads as follows: Dear Mr. ***, On **th May 2012, a person giving the above name and address was questioned by a member of staff with regard to an alleged incident on London Midland Railway. This matter has been provisionally authorised for prosecution. Before I proceed further, I invite you to respond by completing in full the bottom section of this letter, making any comments about the incident on the reverse, and send it to the above address within seven days. Failure to respond will lead to the matter being progressed without further notification. I am then aske to provide my name, adress, whether I wa the person that travelled, phone number, occupation and NI number. Although the letter says seven days, my Dad has phoned London Midland to explain to them that he has had to send the letter to my university address (which I originally gave them, but they could not verify, as I live on campus, so searching for the university address on a database would probably come up with the Post Room address), and they have kindly extended the deadline for reply by a couple of weeks to allow for this. The incident was that I was travelling from Canley to Birmingham New Street for some temporary work at the ICC. At Canley, the ticket office was closed and the permit to travel machine was out of order, so I assumed I would be able to purchase a ticket on the train. However, there was no conductor passing on the train, so I did not get the opportunity. The train arrived late at New Street, causing me to panic about being late for work. My mental state at the time was not helped by a lack of sleep due to hot weather and stress over university exams that were five days away, which I felt severly underprepared for and feared failing and not being allowed back next year. As such, the added worry of being late to work meant my head was all over the place and was not thinking clearly at all. Amongst the crowd, I did not see anyone being checked for tickets, so I thought I would be able to purchase the ticket for both journeys on my return (which I now understand was an incredibly stupid thought). However, there were ticket officers there and I was asked to show a ticket, which I obviously couldn't. I then made what was intended to be a light hearted joke of "Could've got away with one there!", which was an incredibly idiotic and inappropriate comment to make and one I don't believe I would have made if not under so much pressure at the time. I think the officer took it in the manner it was intended and didn't seem bothered when I went back to go to the temporary ticket stand to by the ticket. However, whilst in the queue, another woman came up to me and asked where I had travelled from. I answered Canley and she said "come with me" and took me back to the officer who took my details and asked me a series of questions including "What did you mean by "I could've got away with that one"? to which I replied "Without paying for a ticket." He also asked me how I would have bought a ticket had he not been there, to which I replied "On my return journey". Another question was "From what I have gathered it seems that you attempted to exit the station without purchasing a ticket. Is this correct?" I replied yes to this as it is the honest answer as I was attempting to get out of the station as quickly as possible to avoid being late for work, so didn't want to get into any further arguments, which probably would only have led to me saying something similar anyway. After these questions, I was told I would be receiving a letter and to carry on. I started to go back to the queue to pay for the ticket, when the officer stopped me and said to just go through the barriers. I again attempted to purchase the ticket for both journeys on my return, but was refused by the lady on the temporary ticket office as she said I should've had to pay a penalty fare at the time due to the inspectors, so I could only buy the ticket for the trip back. I am a university student possibly looking to go into a career teaching maths and physics, so am scared that if I am prosecuted, a criminal record would prevent me doing any modules or courses required for me to pursue this career path. I am a regular user of the train, probably averaging one trip a week since arriving at uni in October, and have paid for every trip, whether at Canley, by permit to travel, on the train or at the destination and have a stack of these tickets dating back to January. This one isolated incident has been such a dissapointing episode for me, which has caused me stress throughout and after my busy exam period. I have never been in this situation before, and am unsure how to progress. I obviously want to avoid court to avoid a criminal record and would be more than happy to pay any fine they give me to do so, as seems to be the recommended course of action on similar threads. Firstly, I would like advice on the manner in which to respond. I assume a letter of apology, explanation and offer of settlement is what I should do. Should I handwrite the letter on the back of the form with the explanation of the incident, or type up the letter separately, leaving just the explanation on the back of the letter? Also, should I include photocopies of some of my tickets to show that I am a regular paying customer? I would also appreciate your opinions on whether my foolish comment to the inspector have basically ruined any chance I have of preventing this going to court. Thanks in advance and I apologise that my first post on this forum is such a long one about an embarrasing moment of stupidity. Dan
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