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    • Apologies if this rambles slightly I feel a little brain dead after yesterday    I just want to know if I'm being unreasonable in one of my points (holding them responsible for costs to possibly damaged engine if I can get an engineer report)    Basically broke down in a layby on the a43, steam from bonnet high engine temps   RAC arrives declares it a minor leak and tops up then says OK to continue (4 miles to services) then recheck and says fine to drive home   30 miles later large amount of steam from engine and lose power, get it to hard shoulder   Next rac chap arrives and says it blowing like that may have damaged engine as it now doesn't start, says it will need a crane truck as 4wd and auto says priority job as 3 children on hardshoulder in the rain (1 in wheelchair)    3 hours later, I've chased rac twice and been rung by highways agency twice (who have also complained to rac)    Tow truck arrives (flat bed) advise them we were told it needs crane and drive says its OK it will run, after cranking engine for over 5 mins drives it onto truck pouring fluid out the bottom   I can't help but feel that him cranking engine that much when pouring fluid is likely to have done alot of damage as well as being told to continue on a leaking engine    
    • Thank you. I’ll sit on my hands, for now! 
    • 29 Farage Garages? or Just the latest of many Johnsons Follies?     "New photos show how the county nicknamed the Garden of England may soon be more accurately described as the nation’s lorry park – thanks to Brexit preparations. The images show the full jaw-dropping magnitude of a scheme (one of 29 such) which will see 27 acres of Kent’s green fields ripped up and concreted over to create a sprawling 2,000-vehicle holding facility for trucks crossing the Channel."   https://www.independent.co.uk/news/uk/home-news/brexit-news-uk-kent-lorry-park-channel-crossing-b1278893.html   From comments: They promised us the easiest deal in history. Frictionless trade. And better jobs for the "forgotten". This is what we get. ... lorry dumps and portaloos that come to symbolize this incompetent callous government.
    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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PPI and Loans.co.uk


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Undoubtedly this should have been made clear. I can't recall when you took out the plan but, if it was aftert January 2005 you should have been given a "Key Facts" document before you took out the insurance that made this clear. The Ombudsman would certainly consider this to have been a material restriction of the policy that should have been brought to your attention at point of sale. If it was not, you should have a pretty water-tight case. Even pre Jan 2005 you should have been issued with a policy document that would tell you this.

does tagal need to prove that it was never received,as it is his word against the insurers/and bank.cardif pinnacle claim to have sent mine but i have never had 1

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Tagal - sounds like an admission of guilt to me by the insurers, though they'll probably try to argue it was the broker's responsibility to give you the information. The Ombudsman will sort it out for you. I'm surprised they're letting it go that far!

 

Lilal - The Ombudsman is unlikely to be very sympathetic to the insurer or broker. This is such a material term, I suspect FOS would expect it to have been specifically drawn to your attention at point of sale, not left to documents that are generally issued after the sale has been made.

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Lilal, the insurance company (Cardif Pinnacle) told me today I was not sent anything with regards to the insurance and also they say they did not tell me I was only covered for first 5 years. This seems to me to be an admission of mis-selling but will have to wait and see what the ombudsman says.

 

By the way I am a she!

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I have just looked at my paper work and have just found that for a 20year loan we were only insured for 5years aswell. Thats very naughty. I will be certainly adding this to make case with the FO. :) :)

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Hi Tagal

 

your insurance may have only covered 5 years, but the cost of this insurance is added to the loan and you pay interest on this for the whole term of the Loan. (eg 20 years)

This is frowned upon by the FSA so I really do believe you have a good case with the FOS.

 

good luck

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have also just found my ket facts sheet. We completed our loan in October 2005 and Loans.co have a section

 

WHICH SERVICE WILL WE PROVIDE YOU WITH

 

1.We will advise and make a recommendation for you after we assessed your needs

 

2.You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will the need to make your own choice about how to proceed

 

They ticked the first one so that has to be good doesnt it ?????

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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  • 6 months later...

Hi, I am still waiting for the ombudsman to look at my case- Loans.Co.UK . They received the paperwork beginning of February. I have spoken to them today and they say could be between 6 and 12 months. It's a long time, but am happy to wait if they can get me my PPI back. What I am worried about is that after waiting all this time the answer will be no. This money would really help us. I wonder if anyone has gone through the ombudsman for a PPI claim and how it went, especially if with Loans.co.uk. I was lucky ennough to get in just in time with my bank charges and the ombudsman got me back everything I had claimed for, so I am hoping I may be lucky with them again. I know they are extremely busy with PPI claims. Thanks

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Hi, I am still waiting for the ombudsman to look at my case- Loans.Co.UK . They received the paperwork beginning of February. I have spoken to them today and they say could be between 6 and 12 months. It's a long time, but am happy to wait if they can get me my PPI back. What I am worried about is that after waiting all this time the answer will be no. This money would really help us. I wonder if anyone has gone through the ombudsman for a PPI claim and how it went, especially if with Loans.co.uk. I was lucky ennough to get in just in time with my bank charges and the ombudsman got me back everything I had claimed for, so I am hoping I may be lucky with them again. I know they are extremely busy with PPI claims. Thanks

 

Hello Tagal,

 

Remember good things come to those who wait:grin: I have heard that the fos are upholding 80% of ppi claims, so I would feel very confident with your case:D

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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Hello Tagal,

 

Remember good things come to those who wait:grin: I have heard that the fos are upholding 80% of ppi claims, so I would feel very confident with your case:D

 

 

Thanks for your really positive reply. I am keeping by fingers crossed just a bit worried because the loan was taken out in 1993. On the other hand surely the FOS would look at the date before putting me in the queue, so my thinking is, if they have made we wait this long then they must be willing to look at it for me. I would hope that the ones that are a definately no, the claimants are informed straight away rather than make them wait for upto a year.

 

Thanks again

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  • 9 months later...

Just an update.

 

The FOS are now finally looking at my case (some 18th months on).

 

The say that my claim is against Loans.co.uk but this is out of their jurisdiction - not sure what they mean by this. They are in touch with Cardif Pinnacle who are the insurers for the PPI to try and see who was responsible for the PPI. They say that I am not the only one and they have a large file of people with the same complaint as mine. It is not looking good for me although the FOS seem to be trying to get to the bottom of this. It seems to me that companies involved are blaming each other and no one is admitting mis-selling. I don't know whether anyone else is trying to claim from the same companies.

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I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 1 year later...

An update.

 

Now with FOS for 2 years 6 months! Still no news - but did ask me to fax them my loan agreement last week. I really hope things are moving now.

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  • 3 months later...

Received bad news yesterday and I am so angry and upset. FOS have finally given their verdict after nearly three years! and the outcome was that Loans.CO. UK no longer have record of the phone call when I took out the loan and PPI. Therefore they have sided with them and that because I ticked the box (which I say I felt I had to so that I could get the loan) then we agreed to the PPI.

 

The FOS say if I don't agree then I can take it up with the Ombudsman, but I will need to provide further evidence which obviously without transcripts of phone call, I can't. I just cannot believe that it took the FOS nearly 3 years to come to this decision and so many phone calls from myself (I have a list of every phone call made). How can they take their word and not mine, it seems as if they had no intention of helping me.

 

I wonder if anyone has had same experience or an idea if I can do anything else, I am just so upset now. I think the fact it took them nearly 3 years makes it so much worse - it is a joke.

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Can someone help me to move this thread to the PPI section, for some reason that is where it used to be but now when I added an update it has put it under 'loan brokers) not PPI. I don't think people will find it here, as all other posts on this thread are under PPI. Thanks X

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