Mis-sold Lloyds PPI on a credit card - as a student!!

[lizzy40]

Although you say you didn't sign any ageement you should have and you should still request a copy of this from your card company this agreement also will state your request for PPI. There is a standared letter you can print off but you must send £1 to make it a legal binding request plus also send it recorded delivery this document is very important to your case.

 

I would do this ASAP.

[butwhy]

great, thanks!!

 

Have printed this off so will send this tomorrow morning now.

 

Hopefully HHNF will have a response about suggestions for what I should do to get my old statements etc.

 

Thanks so much lizzy!!

[hellhasnofury]

great, thanks!!

 

Have printed this off so will send this tomorrow morning now.

 

Hopefully HHNF will have a response about suggestions for what I should do to get my old statements etc.

 

Thanks so much lizzy!!

 

Hello butwhy,

 

I can see that Lizzy has given you great advise and support . I agree you need to get all of the information to pursue this claim if you are going to do it properly.

 

Sent the SAR and get all the info they hold on you and the ca request. This will cost you a Total of £10 for the SAR and £1 for a copy of the origingal credit agreement, but money well spent. Your have to speculate to accumulate, if you know what I mean.

 

This does unfortunately take time, but we have all the time in the world. This will not happen overnight, so preparation is the key word in these matters.

 

You will get lots of help, and support on here, so take the plunge.

[butwhy]

YAY!!

 

Thanks all, I have finally printed and sent off both the SAR and the CA request. so now I can just sit back and wait for the response.

 

Fingers crossed

[lizzy40]

Good luck and keep us up dated...

[butwhy]

Ok, I sent my CCA request on the 7th Nov (dated 6th Nov) and today should be the 12th day. So if i get home tonight and they haven't provided a signed copy of the CCS then what do i do?

 

i can't really proceed with a claim detailing an exact figure of how much is owed because I have also sent off for the SAR and I know that can take up to 40 days to receive that, so what do i do?

[butwhy]

someone???

 

btw today is the 13th working day!

[lizzy40]

HHNF can you advise butwhy on what he should do next not sure on all the proceedures!!!!!

[butwhy]

HHNF are you theeeeeeeeeeeeeeere?!

[hellhasnofury]

HHNF are you theeeeeeeeeeeeeeere?!

 

Hello butwhy,

 

Yes I am here,

 

Ok so the 12 days are up, so they are in default, therefore the account is in dispute, and you would be within your legal rights to stop any payment to them, until they come up with it. This may not be without repercussions though. They have a further 30days +2(postage) to supply it or they will be in criminal default and you would need to report them to the OFT and trading standards.

 

So I would just allow the time to tick bye now.

 

There is still time for the SAR info to come

[butwhy]

ok great. So i can just sit back and wait until they send the SAR

and then hit them with a big bill (once i've calculated the charges)

 

YAY!

[hellhasnofury]

ok great. So i can just sit back and wait until they send the S.A.R - (Subject Access Request)

and then hit them with a big bill (once i've calculated the charges)

 

YAY!

 

[butwhy]

Ok, so 31 days after I sent my CCA I received the full S.A.R - (Subject Access Request) batch of statements.

 

I've sat down and calculated that they owe me £628.23 (without Interest) or £805.05 (with the interest added)

 

So, what's the next stage now?

[hellhasnofury]

Ok, so 31 days after I sent my CCA I received the full S.A.R - (Subject Access Request) batch of statements.

 

I've sat down and calculated that they owe me £628.23 (without Interest) or £805.05 (with the interest added) thats a nice little savings account. How did you work the figures out with interest, is that 8% stat or contractual???????

 

So, what's the next stage now?

 

Hello butwhy,

 

Have you had your credit agreement back yet?????

 

So now you have worked out the figures, send them your preliminary request letter asking for it all back, give them 14days to respond ( maybe more time for the xmas holidays) as a gesture of your good will.

[butwhy]

Hello butwhy,

 

Have you had your credit agreement back yet?????

 

So now you have worked out the figures, send them your preliminary request letter asking for it all back, give them 14days to respond ( maybe more time for the xmas holidays) as a gesture of your good will.

 

Hi HHNF,

 

They still havent sent the credit agreement back yet, which is probably because I never actually signed one! Will create the preliminary request and post off 1st thing tomorrow morning now!!

[butwhy]

something I forgot to ask, can I claim for the full amount owed plus the 8% interest APR or just the full amount?

[hellhasnofury]

something I forgot to ask, can I claim for the full amount owed plus the 8% interest APR or just the full amount?

 

Hello butwhy,

 

Claim for the larger figure:D Explain the amount blah blah and then add at 8% Statutory interest it is blha blah:D

 

Good luck and keep us posted

[butwhy]

Do I need to provide a schedule of the charges like you do when claiming for bank charges ?

[hellhasnofury]

Hello Butwhy,

 

Yes I would also send them you calculations, so they can't state they never received them.

[butwhy]

Ok... sent the letter on the 17th, with a schedule of charges and then received a letter just thanking me and saying they had received my letter and would look into it.

 

Then a few days ago I received another letter from customer services representative who said they are investigating my case and will get back to me in 4 weeks time.

 

It's well over the 14 day period that I initially gave them but they HAVE acknowledged my letter. So what's the next stage? What should i do?

[butwhy]

bump

[alanfromderby]

If you are going the court route, then you will need to send a 14-day Letter Before Action.

 

If you are going the FOS route then they have eight weeks in which to give a full response.

[butwhy]

Is there any benefits of one method over the other?

[alanfromderby]

Personally, I like to be in control of my claims so I would go down the court route. However, the court route inevitably costs money, and does expose the litigant to costs being awarded if the claim is unsuccessful - whilst the FOS route is free - but may take longer.

 

It has to be your call.

[butwhy]

I received a letter from Lloyds TSB today which basically contests my previous letters sent to them.

 

The basic contents of the letter state that I was sent a policy document, monthly statements and I was well within my rights to cancel the policy within the grace period. Therefore they are NOT going to refund my payments.

 

They have also magically produced a signed agreement form dated 24th Jan 2001, but stamped 30th Jan 2002?? Furthermore, the form has quite clearly not been completed by me (the handwriting is totally different) although my signature DOES appear at the bottom. The income information is totally wrong (way ABOVE my actual income at that time).

 

I'm really suspicious of when this agreement was signed as I don't remember signing anything for the payment protection, but I DO remember being sold it over the phone.

 

I have most of my old payslips which cover this period time whilst I was paying for the protection cover and I wasn't working the minimum required 16hrs so thats gotta help right?

 

So what do i do, should I reply to this letter or just file a claim with the courts now?