Jump to content

Search the Community

Showing results for tags 'upheld'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums


  • News from the National Consumer Service
  • News from the Web


  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition


  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start



About Me


  1. Hi, I've had my grievance with my very large employer upheld in full (shocked!) The grievance related to a number of issues which they bullet pointed as Refusal to implement Reasonable adjustments in relation to my disability , attendance and welfare procedures not followed at all Treated unfairly and differently to other employees by my senior manger. Incorrect information given to me which caused me to fear for my job. And confidentiality issues by my team manager. I'm delighted that the investigation was done properly and they took my evidence seriously. The c
  2. I lodged a grievance against a colleague. A thorough investigation was carried out and my grievance was upheld. There were a number of recommendations made in the report in Oct 2017. One of the recommendations was that me and the colleague attend mediation. It also recommended that if she did not engage in mediation action should be taken via breach of Code of Conduct and/or Dignity at Work Policies. She is saying that her husband is not well so she is not able to participate in mediation at this time. My employer is saying she is not refusing but is delaying. Othe
  3. hello all - need a bit of advice before proceeding This might seem more complex than it actually is, so please bear with me. after a long haul, I have had my PPI complaint upheld by the RBS. So far, so good. They have made me an offer and then gone on to explain that I won't be getting some of it due to a succesful claim made against the PPI. Then it gets a little complicated. I have all my DSAR documentation, and have been going through it prior and post claim. The copy statments show insurance amounts hitting the account to cover the loan payments, but
  4. Nasty one in the Mail http://www.dailymail.co.uk/news/article-4702178/Nurses-pay-150-000-parking-fines.html County Court judge upheld all the tickets.
  5. Hi. I recently submitted a complaint to Clydesdale Bank Plc regarding a credit card I had dating from early 1997. The complaint was declined, and I subsequently complained to the Financial Ombudsman. The good news is that the Ombudsman wrote saying that the Clydesdale were going to make me an "offer". Of course, I'm still waiting, and so to pass the time, I've put together a spreadsheet based on a previous one that I've seen used that calculates the PPI amount plus paid CC interest and then adds on statutory simple 8% interest to both. I guess I wanted to know if my assump
  6. Hi, First post so please be gentle I recently made a claim for PPI for an old Lloyds Credit Card that ran from 2006 - 2008. I did it all via initially the telephone and then using the standard PPI reclaim form. My reasoning for the reclaim was the firstly I was entitled to Full-Pay SSP and also I have type-1 Diabetes so it's unlikely the PPI would have been relevant to me, none of which was explained at the point of the CC application. Lloyds have now said they have upheld the complaint but the figures are extremely weird. I've attached the refund letter but they ar
  7. Hello helpful people. First off a huge thanks to all who have posted here, you have helped this long-time "lurker" to a successfully upheld claim with the Halifax for my credit card PPI. My card has had a largish balance on it for nearly all of its 15 years and my average PPI payment per month has been £28, with many payments £30-£35. My situation is thus. The SAR came back with ALL statements and payment details going right back to the issuing of the card in June 1999, so there should be no guessing or averaging on the part of the bank. I painstakingly input all th
  8. My PPI has been upheld and I will be getting a refund. Long story I fell behind a few years back and eventually the debt was sold on to another company. Could I ask who should the cheque me made out too myself or the "other" company?????? I was hoping to use the repayment to try and negotiate the debt to be written off??? Any advice please
  9. Hello and thank you in advance for any help you are able to offer. My complaint for mis-selling of a Principles Card in 1989 was upheld by Santander, but an offer of £1 has been made as they have no records prior to 23 July 1996. Does anyone have any advice about how I should proceed? Do I refer to FOS? I doubt I can obtain evidence from Nat West as I do recall payments were made by DD. I also recall I took out a loan in 1996 from M & S to repay this credit card, but I doubt that would be of any use. Advice needed - thank you.
  10. Had a claim upheld with LLoyds for PPI paid. I had, years ago, claimed on the policy and I knew that this would be taken off any redress but is it right they can charge you interest too? Claim paid out was for £8900 and the interest they have charged is £4400 on that! The claim would have come to nearly £11,000 so would have been some back if they hadn't charged all this interest!
  11. Hi All, I've got a couple of PPI claims that were with Shop Direct of which the FOS has upheld my complaints Back in Jan, the FOS said they were not happy with the way Shop Direct have been handling the refunds (on a mass scale not just my accounts) and is now being discussed at a more senior level. However this does not currently help me, as one of the debt collection companies which shop direct sold an account to, has turned up TWICE to my address - both times I stood my ground and they went away.. Today the FOS have comeback to me and stated that SD are willing to do an
  12. Hi Everyone, I'm going to tell you my experience to date so that others may learn from it. It's not quite over yet but I think it will be by next week. Feel free to ask me any questions. I live in SW Scotland and in Feb 2014 I approached a local family run company to quote for double glazed replacement windows. The sales director sent me the quote from his email address. I responded with a query and then accepted the quote by email. His email address was then automatically added to my Outlook email address book. The work was carried out in May 2014. The f
  13. Hi, New to this so apologies if this should be posted elsewhere. To set the scene - got a Barclaycard in 1992 and had PPI on the advice of the person in my local branch. Tuens out I could never have claimed so cancelled it in 2002. Still have the credit card so tried to claim back. SAR didn't go back far enough but CCA proved I had it. Barclaycard rejected my claim so I went to FOS. They investigated and found in my favour (hooray!) - they wrote and told me Barclaycard would put me back in the position I would have been in if I hadn't taken out the PPI. Question is - if there are no
  14. Slightly complex claim here. I topped up an Egg loan at the beginning of 2007. The total cash amount of the loan was £9331 and the payment protection premium lent was £1730.85 with the total amounts payable at £10668.00 and £1979.04 respectively. I subsequently defaulted on the loan and it was sold to various debt collection companies, ending up most recently with Arrow Global. They stated that the purchase balance of the account was £8193.79, down from the £11061.85 advanced by Egg. Added to the complications, I now live in the USA. Restons for Arrow Global obtained a CCJ by default
  15. I have recently been investigating a consolidated loan that was taken out in 2005 and have today received a copy of the credit agreement from GE. The document is headed igroup and GE have confirmed that this is there company and that Loans.co.uk brokered this loan. I am now in the process of starting my PPI complaint as it was a single premium of £4320 on top of a loan of £35k. The interest was 16.25%. At no time were we given any advice or options i.e. monthly PPI. I have only just established that the PPI only covered 5 years of the loan which was taken
  16. I had a small Halifax Bank Xtraloan in the mid 90's over a period of 24 months. I still have the original agreement, where they have typed in a 'X' in the Premium Protection Insurance box and not ticked by myself. I also have confirmation of monthly payments statement from them. My questions are, can I still submit a mis-selling complaint considering how old it is and if so what calculator spreadsheet would I use ? If compound, what end date would I enter - last paid premium date or current ? Thank-you
  17. Hi everybody, Around 10 months ago I quit work to move to another employer. I didn't wish to do so but after 6 months of appalling treatment at the hands of my manager I felt I had little alternative. I, like 3 other staff in the organisation, had complained to his manager about him but this hadn't solved the issue. On what turned out to be my last day I was verbally berated in a humiliating and demeaning fashion in front of other staff, which was then followed up with an email in which I was accused of lying and being deliberately disruptive (with choice sections highlighted in bold for
  18. My other half put in a speculative letter/claim for a PPI refund from Capital One when she had her credit card with them between 2007 - 2009. She paid the account in full and closed it in 2009. Her original credit limit was only £200. She's had a letter back today upholding her complaint and an offer of £41.68 as a refund. This amount was a lot less than expected to be fair. They have made the following calculations: £29.71 - Premiums £1.11 - Associated Interest £13.57 - Interest @ 8% £2.71 - Deduction on 8% interest (Basic Rate Income Tax) Now I told my
  19. My wife took out a loan with HSBC around 10 years ago. This loan had a sizeable PPI fee attached to it. My wife and I have been servicing a DMP for a number of years now, during which time the outstanding debt was handed firstly to Metropolitan Collection Services and then subsequently to CL Finance. She wrote to HSBC recently demanding that the unfair PPI be refunded, and after a bit of correspondence they upheld her complaint and made an offer of payment. The problem is that they have sent her a form to sign which essentially compels her to sign this figure over t
  20. Hi Readers After doing a little digging, I found out I had 4 loans with Lloyds TSB from 1988 to 2003 which had PPI, all 4 loans total was £29,000 for varying amounts. Unfortunately I didnt have the original documents however my local branch had the total amount I had borrowed & the length the loans ran which was actually the full term of the loan. I sent Lloyds the relevant documentation to complain about mis selling of PPI, they replied & informed me that the PPI was not mis-sold. I took the case to the FOS & in no time my case was upheld. I
  21. I've had a PPI claim upheld on my Barclaycard which I'm pleased with. However, over the years I've had several default charges added for being over my credit limit. Does anyone know if anyone's been able to reclaim these default charges on the basis that the accumulated PPI is what has taken them over their limit? And following on from that getting the defaults removed from their credit report?
  22. Two months ago the F.O.S upheld my ppi complaint against Lloyds and gave them a month to respond if they agreed or not. As Lloyds have ignored them my complaint now has to go to an Ombudsman to make a legally binding ruling which can take up to another year! Is this just another tactic the banks employ trying to make people give up fighting them? I always thought if the F.O.S upheld your complaint that was a legal ruling but apparently a complaint has to be upheld by an Ombudsman to be of any use.
  23. Hi all I had a premature baby who was very ill.She was born at 24 weeks and I went off on leave before my line manager even knew I was pregnant. It was all very sudden and unavoidable.I was put straight onto Maternity leave.After 9 months,I seen my manager about returning to work. At this stage,I was made to use all my Annual leave before being given a date to return. During this period,I became increasingly worried about leaving my child.This spiralled into depression and severe anxiety.I was diagnosed with post natal depression and detachment syndrome.I rang my dept. on 2 occasions and
  24. I put in a claim for HSBC credit card PPI for my mum's other half (who's my employer, has always been self employed so HSBC upheld complaint straight away). The thing is, their amount is very different to mine. At first, they offered somewhere in the region of £300.00 stating they could only go back to 2006 on the information they had. I had statements dating back to August 2003, so photocopied them all and sent them in, along with my spreadsheet again. It took them 2 months for a revised offer, but it came yesterday. Our total premiums paid is more or less the sa
  25. I have received a letter from Lloyd saying the complaint is not up held.I have used the general jist from this thread as a reply. http://www.consumeractiongroup.co.uk/forum/showthread.php?359876-Lloyds-PPI-Complaint-not-Upheld Below is my reply,can anyone advise me on this please. I am writing to you today in relation to your decision re my complaint about my Payment Protection Insurance (PPI) Policy. After reviewing my case you decided that the PPI was not miss sold. You explained your reasoning behind your decision and requested if I was unhappy with this to contact you fur
  • Create New...