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    • When were you stopped please? HB
    • Really interesting video on 'growth' from some who used to be a top city trader.  
    • Thanks HB, i will take your advice 
    • Update: I wrote again to WODC and again they have failed to reply. I also wrote to my 2 local councillors and the Leader of the council.....   Only one of them responded, my local councillor who also happens to be "Executive Member for Finance" , and he said that he had asked the relevant officer to look into it and report back, then he would come back to me with the response. I haven't heard back and it's now a week. I'm seriously beginning to think that someone there has been alerted to the fact that they have fuffed up, and they are dragging their feet until they can cover their arse! Do you think it is worth sending a reminder email to the councillor that responded, or should I give them a little longer ?  I have stopped receiving SMS's from B&S so maybe they have been asked to lay off, but I have no sure way of knowing ! I also have the email address of the CEO of the council, maybe I should send him a copy of the above, stating that I am still waiting for a response and that I am completely in the dark about B&S.
    • There's no need to borrow words from another thread here; we don't have a template. Do this in your own words or it won't sound sincere and may not even apply to your particular case. If I were in the investigations department, I wouldn't be impressed by someone who copied and pasted rather than write their own letter. And please don't use AI for this, people can spot the style a mile off. Para 1 - tell them why you did it, no excuses other than trying to save money. Para 4 - tell them you're using the PAYG card. They won't tell your employer but you probably should if you're convicted. Covering up a conviction is worse than having one in the first place. ETA: Check if there's anything in your employment contract. As I said, you don't send anything until you hear from them because they won't be able to find your case without their own reference number. HB  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello All

 

I've had PPI that I want to claim back from a couple of places so I have quick question on each.

 

RBS - I applied for this card on-line, does this have any bearing on me claiming back PPI at all? Is it more awkward?

 

Paragon - I had PPI off them on a 25 year loan, it was £5500 up front. This loan was paid off recently after only 2 years and the PPI refund was around £1000 so it cost £4500 for 2 years PPI. My wife organised this loan and doesn't remember much about the PPI be sold to her so what route would I take to claim back this extortinate charge.

 

Your help would be appreciated. I have succesfully claimed back bank charges in the past but this PPI is going over my head a little. The bank charge claim was step by step whereas this seems all over the place from what I have read.

 

BY99

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Hello All

 

I've had PPI that I want to claim back from a couple of places so I have quick question on each.

 

RBS - I applied for this card on-line, does this have any bearing on me claiming back PPI at all? Is it more awkward?

 

Paragon - I had PPI off them on a 25 year loan, it was £5500 up front. This loan was paid off recently after only 2 years and the PPI refund was around £1000 so it cost £4500 for 2 years PPI. My wife organised this loan and doesn't remember much about the PPI be sold to her so what route would I take to claim back this extortinate charge.

 

Your help would be appreciated. I have succesfully claimed back bank charges in the past but this PPI is going over my head a little. The bank charge claim was step by step whereas this seems all over the place from what I have read.

 

BY99

 

Hello and welcome,

 

The ppi forum I agree is all over the place as it is just coming to the fore, and it will become bigger than the bank charges.

 

Just look at it like the bank charges process. It really is that simple.

 

Send your SAR and get the information. They will be reluctant to give the information, because they know what you are going to do with it. But you must keep at them for non-compliance.

 

Once you get the info, you need to work out what you are going to ask for a refund, the ppi premium, interest applied and the contractual interest if you wish to.

 

Send your preliminary letter give them 14days

 

Send you letter before action give them 14days

 

Approach the fos to resolve the complaint

 

Issue court proceedings.

 

As with the bank charged they will deny and deny. but you have to pursue them regardless

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks for your reply hellhasnofury, I will proceed with this then and keep you up to date with how I get on.

 

Do you think the fact I applied for the credit card online will make any difference at all?

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Thanks for your reply hellhasnofury, I will proceed with this then and keep you up to date with how I get on.

 

Do you think the fact I applied for the credit card online will make any difference at all?

 

No they will still blame you.

 

Get that SAR sent

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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