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    • Hi all,   In massive need of your advice!!   Got a finance agreement with MoneyBarn in September of last year (2018). Made regular payments until I had financial difficulties. My last payment to MoneyBarn was April 2019. I since then, did not make payments to them. I did make contact with them and said that the arrears would be cleared as soon as I had sold my property, as I was moving in with my partner instead.   They then filed a default against me. (Although I found this out later on) Unfortunately, I then went through a tough period in my life, in which suffered badly with depression and anxiety. I did inform them of this.   Once the property was sold, I contact them to ask for a breakdown of options and what I could do. I did not receive this. Instead, I had a lovely gentleman turn up at my door saying he has a repossession order and has come to take the car. This was the first time I had heard of this, I wasn’t notified of any defaults prior to this (relating to when I previously mentioned “found out later on) or the termination of the contract.   I have since returned the vehicle after they told me I could not pay the arrears and/or pay 50% of the term and do VT? I have also been told I cannot reinstate my contact.   I have told them about the mental issues I had, and said that I did not appreciate a guy turning up when I have my children and demanding the car. Their reply was “we informed you of the termination and repossession” to which I said “no you didn’t”.   They argue that they sent it to my old address (despite me informing them of the new one) and I even asked the question of “how did the debt management agency know where to go then?” As they then informed me that they didn’t have my new address on file?   I appreciate I owe them money, however, I did say that the amount they are asking for is unrealistic and that I will happily contest in court.    Any my advice will help!!! 
    • Hello DX100UK and all observers. I am delighted to announce I have had no further communication from Shoosmiths Todays date is 20th August 2019  That is the 20 year anniversary of the original decree granted at the Scottish sheriff Court on 20th August 1999 The 20 year prescriptive period should kick into force. Celebrate   Would any further letters now constitute harrassment ?  or does the debt technically still stand but just not enforcable ? They cant seek a new decree ?    
    • Now some at this stage might think I'm leading to doggerland as the site of Atlantis   https://www.winterwatch.net/2019/01/did-the-inspiration-for-atlantis-flood-and-ark-legends-stem-from-paleo-doggerland/           but for a number of reasons, I'm not ... although I think it is a part of the larger story,   Its a little late. I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc) ... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does. ... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.           http://www.bbc.co.uk/earth/story/20150722-lost-beasts-of-the-ice-age   http://www.canada.com/technology/Massive+Canadian+melt+have+triggered+flood+biblical+proportions/3954124/story.html   https://en.wikipedia.org/wiki/Outburst_flood   http://www.talkorigins.org/faqs/flood-myths.html#Sproul    
    • Hi.   Someone reported that your pg1 still had the reg number showing, so I've removed it and left pg2.   HB
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tagal

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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oops sorry :oops: .pinnacle could be in for a right hammering then i sent an sar ,i now have my details and 12 other peoples details too .:o

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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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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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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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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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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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