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Catalogues and PPI help plz


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Hi there im new here so sorry if im posting in the wrong bit. i have an issue with the catalogue STUDIO and i need some advice plz.

When i first ordered from them i did not ask for payment protection and i did not tick the box that requested it. When my first statement came surprise surprise they had charged me £5 odd for pp. Now i dont know about these things so i thought, well ok at least il ahve that safety net if i cant pay. so i left it and have been paying the mnthly rate. Anyway about 6 months ago i phoned them to claim as there were issues with my payments into the bank getting to them, They told me i couldnt claim as i hadnt left my job, but i was never employed whilst using studio, im at home with my kids and have been for the past 3 years. So can they legally have even been charging me for this, ive asked them to cancel it several times but nothing. Please can someone help. thanks Kerry

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Hi

I think you must send the cca request if you did not request the PPI then they were wrong in taking the payment

 

 

Hi agree with andrew you need to CCA request to check PPI also if they have no agreement, or as I got we cannot find your agreement, then no signed agreement = no agreement to pay PPI.

 

all the best dpick:)

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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  • 2 weeks later...

Hi I called studio again and they said that I wasnt mis sold and that I had asked for it, however all it was is that i hadnt noticed the box you have to tick to NOT recieve it. I told them that was a blatant [problem] and they should be ashamed of themselves (yes i know, but im sure i read all the small print i always do!). I asked what had happened about stopping my payments and they said that yes they did have a record way back in 2005 of me asking to cancel and that it hadnt been done. So I asked if I could have the money back from between then and now, and she said no because my partner would have been covered! Where do I stand on this? I wasnt even with my partner for most of this! HELP!!!

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Hi I called studio again and they said that I wasnt mis sold and that I had asked for it, however all it was is that i hadnt noticed the box you have to tick to NOT recieve it. I told them that was a blatant [problem] and they should be ashamed of themselves (yes i know, but im sure i read all the small print i always do!). I asked what had happened about stopping my payments and they said that yes they did have a record way back in 2005 of me asking to cancel and that it hadnt been done. So I asked if I could have the money back from between then and now, and she said no because my partner would have been covered! Where do I stand on this? I wasnt even with my partner for most of this! HELP!!!

 

Hello K-amos,

 

They are really trying to be unreasonable and fob you off.

 

Have you sent a full SAR to get information regarding your account. if not do so now. You will find the template letter in the ppi stickies, sent it with a £10 postal order and they have 40days to comply. You want everything including telephone call recording or transcripts.

 

You mention that you tried to cancel this ppi and they would not do so. Naughty naughty. :mad: Send them a letter insisting that they cancel the ppi now, it is your legal right to do so.

 

Get your information and then get your money back, even if it just from the first time you tried to cancel it:grin:

  • Haha 1

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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Hi, I did try to cancel once before a long time ago, and they said it had been done, but kept charging me and are refusing to repay the monthly payments (something to do with my partner being covered sounded like BS to me). Sorry but ive never done this sort of thing before forgive me what is a Subject access request? (bear in mind you may as well be talking to a 5 year old, I have zero knowledge of these things!) However I will find it in the stickies and send it with the postal order see what comes of it. They like to pretend they dont recieve their post so il send it recorded and frame the reciept1

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Full S.A.R - (Subject Access Request) for ppi

 

copy and paste, amend to your own details:grin:

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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Oh I forgot to ask, can I claim back the chrges that studio have shoved on my account? usually around £20 per month

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Hi yes you can claim back all charges and any interest applied to them. As for your partner could claim Littlewoods tried that with me sorry the policy was in my wifes name only not joint names.

 

all the best dpick:)

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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I thought as much, I cant believe they tried to spin that one! Thanks I will defo claim back my charges is the procedure the same as bank charge claims?

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Yes.

 

And I wouldn't be as nice to them as you are, I would tweak the letter to add that you want repayment of ALL the PPI from day 1 and that if they don't, you'll be quite happy to let the judge decide whether it was mis-sold or not. :mad:

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Guest Old_andrew2018

I agree with bookwork, it does not pay to be nice to them just assertive, from a personal persective I would give up telephoning you've no record of conversations.

You might want to send a letter explaining that in future you will only deal with them in writing.

 

Regards

 

Andy

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