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    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS polled FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
    • well if your not going to upload documents because you are too scared of your data being stolen and someone rocking up to you we are going to struggle to help you peoples energy data breach has nothing to do with a hosting site...
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Paragon + Loan Line Ltd


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  • 3 months later...

I wrote to Paragon stating that I felt I had been misold a PPI they advised me that it was LoanLine who arranged everything so I needed to contact them. I did and they have responded with the standard ' you signed the forms type of letter' they have also stated that as the loan was taken out in 2003 it was before any changes in the rules and the letter kind of reads even if we did misell to you its tough because it is pre 2004. Can anyone advise if this is right.

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Not my area of expertise, ( if there is such a thing :) ). I'm sure others will be along shortly to answer your query.

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

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

IF I HAVE HELPED PLEASE CLICK MY SCALES

 

Vigilantibus non dormientibus æquitas subvenit

Somper in excretia,som solem profundus variat.

 

 

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 3 months later...
  • 3 years later...

Hi

can anyone advise if the rules have changed on claiming PPI from finance companies

 

 

I took out a secured loan in 2004 with Paragon after being told I would have a better change of getting the loan,

 

I was at the time desperate to sort my finances and so thought I was doing the right thing.

 

I have been paying for PPI since but the cover ended in 2009

 

(I hadnt realised at the time of taking the loan out that it didnt cover the full period)

 

I contacted Paragon a few years ago and stated that I felt the PPI had been missold

 

they told me that as the loan was made through a broker who is now bust LoanLIne

 

if I remember rightly it has nothing to do with them.

 

Can anyone advise if this is true as I will be paying this PPI for another 6 years

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Rule change?

 

Go for Paragon

 

Get a new claim put in...Work out what you are due using a sopreadsheet and complete a fos questionnaire.

 

If you read No.1 in my signature, the spreadsheet is at the end.

 

The questionnaire is available from the fos website.

 

Do you have all of your statements and the loan agreement?

If not send a SAR (Subject Access Request) to Paragon.

..template in the CAG library, the link to which is at the top of every CAG page in green.

 

ims

 

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Apologies for breaking in on the thread, so its doesnt matter then if it was done through a broker the original company is the one to reclaim from? I had a paragon loan and they said the same thing to me.

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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Thats why I was unsure as I tried to claim this back a few year ago and got no where with them but I will certainly go for it again, nothing to lose and everything to gain

 

Well Paragon have told me to take a running jump

Loanline were brokers and dont exist anymore and it seems that the loan was an unregulated loan so I have no comeback to claim and will have to keep on paying until the bitter end :evil:

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  • 1 month later...

I have an unregulated loan with Paragon and I am paying a fortune for an insurance that ran out after 5 years even though the loan was for 17 years, I have sent in a PPI claim and they have told me that Loan Line were the brokers and anyway it was an unrgulated loan so tough, it does seem very unfair though that they get away with this

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i took out a loan with universal credit in 1993,with ppi,which turned out to be useless.a few years later paragon took them over and reinstated previously suspended interest.my arrears are now 3 times the original amount and im still paying.i will never be able to repay.anyone any ideas?

cheers.

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I think the problem is greater with unregulated loans.

 

It will be really interesting to get the Harrison final verdict but how soon that will be is anyone's guess.

 

Those who have regulated agreements should be able to rely on the CCA provisions of S56 and S75 IMHO of course

 

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.......Those who have regulated agreements should be able to rely on the CCA provisions of S56 and S75 IMHO of course

 

can you elaborate/explain this? :)

 

yes, no doubting that 'they' can be beaten depending on the particular circumstances. was just posting up info for general reference, and so caggers are aware that the often cited harrison, which the creds/courts have recently used against the borrower, may no longer be, hopefully

Edited by Ford
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can you elaborate/explain this for me? :)

 

yes, no doubting that 'they' can be beaten depending on the particular circumstances. was just posting up info for general reference, with the hope that the often cited harrison in their 'defence', which the courts have recently relied on against the borrower, may no longer be.

 

Hi

 

Yes appreciate you were posting for general reference and I agree that there is hope from the SC.

 

As regards regulated agreements under the CCA 1974, the Act provides protection for the borrower in respect of negotiations carried out by a third party. Particularly the Act states that a broker is regarded as an agent for the lender.

 

ims

 

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how do those provisions work re a separate ppi policy provided for by a broker. ie not a credit agreement? have those provisions you mention been pleaded successfully in court re ppi?

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Hi

 

They will not be relevant on stand alone product which say runs alongside a loan but is a separate payment. But for single premium policies added to the loan and featuring on the agreement then they would be relevant.

 

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hi

ie s56/75 relates to credit agreements only. ppi policies do not form part of a cred agreement, even if a single payment up front.

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then that could be a 'mistake' by the broker/creditor which may affect the agreement amount itself, but would that be re s56/75 as such re ppi policy? a ppi policy is not a cred agreement. wasn't there a recent case re this single premium being part of the 'amount'? don't recall it atm. perhaps that case can clarify?

Edited by Ford
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How are you doing with this claim I have a loan with paragon also and they are charging an arm and a leg for PPI which ended 5 years into the loan which I wasnt aware of before hand. They say that it is the brokers fault and they no longer exist. Are you still paying the loan or have you suspeneded payments to them?

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