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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.

      Please can you advise what I need to do today to get this done. 
       

      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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HELP What is my next step PPI & FirstPlus


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Hi Hellhasnofury.

 

I have received another letter today from FirstPlus, this time in respect of the 1st loan. Exactly the same vein as with the 2nd loan. They are offering me an enhanced rebate of £1404.47 and apparantly they say they gave me a £1078.81 rebate when the first loan was amalgamated into the 2nd loan. Although I still havent received the SAR but they have now cashed my cheque so it should be forthcoming.

 

I am going to go back again and send a rejection letter but accepting this amount as part settlement. Can you help me with how to use the spreadsheet to work out the contractual interest. Is contractual interest 8% ? and what columns in the advance spreadsheet do i use ?

 

You kindly worked out for me that I should ask for back the PPI of £3673.50 plus £2815.28 interest = £6488.78 less their rebate which equals £5409.97. What figures do I enter into the spreadsheet, and is it the date that payments were made, ie each monthly payment and then the final settlement figure ?

 

I am stuck.

 

Thanks Sally

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Hi Hellhasnofury.

 

I have received another letter today from FirstPlus, this time in respect of the 1st loan. Exactly the same vein as with the 2nd loan. They are offering me an enhanced rebate of £1404.47 and apparantly they say they gave me a £1078.81 rebate when the first loan was amalgamated into the 2nd loan. Although I still havent received the S.A.R - (Subject Access Request) but they have now cashed my cheque so it should be forthcoming.

 

I am going to go back again and send a rejection letter but accepting this amount as part settlement. Can you help me with how to use the spreadsheet to work out the contractual interest. Is contractual interest 8% ? and what columns in the advance spreadsheet do i use ?

 

You kindly worked out for me that I should ask for back the PPI of £3673.50 plus £2815.28 interest = £6488.78 less their rebate which equals £5409.97. What figures do I enter into the spreadsheet, and is it the date that payments were made, ie each monthly payment and then the final settlement figure ?

 

I am stuck.

 

Thanks Sally

 

Hello Sally,

 

They are being a bit helpful informing you of the rebates:-D

 

If you use the advanced excel or advanced word, depends which software you have on your computor. You will find these spreadsheets in the bank template letters sticky on the main page of the forum.

 

When you click on the spreadsheet it opens showing the front page (there are 3)

 

If you look down to the left hand bottom corner you will see 3 tabs, notes, charges and interest and 8 interest.

 

Fill in the front notes page with the details of the account

 

Click on the charges and interest tab, this opens up the actual spreadsheet.

 

In the first column type in the date using this format example 02/01/1000 not 2nd June 2003

 

Use your rt arrow to move you to the next column, enter ppi and interest, again use the rt arrow to move you to the next column put in the amount,(do not use commas) use your rt arrow to the next column and it should enter the amount automatically. Make sure the details are correct.

 

Click on the 8%interest tab and this should have automatically worked out the interest for you.

 

Now regarding how much interest you are after, I can't remember the interest rates they charged you on the first loan, if it was above 8% then go for the contractual rate they charged you,

 

The difference between the rates are, if this case went to court, the judge would allow you 8% interest. It is called statutory, because the law has decided you can claim it back from the lender, as you have been deprived of the money.

 

The contractual rate of interest is they rate they charged you. So it the interest rate was 15% you can try and claim it back at that rate.

 

I think on your second loan the interest rate only went above the 8% for a couple of payments, so it would be easier just to round it up and ask for the 8%.

 

 

Have a bash, and let me know how you get on:-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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Hi Hellhasnofury

 

I have sent letters rejecting their offers saying I will accept the amounts offered as part settlement. Havent heard anything yet but generally would they pay out what they have offered first and then let me carry on to the ombudsman for the rest or is it likely that they would withdraw their first offer totally as I have rejected it as full and final settlement ?

 

Sally

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Hi Hellhasnofury

 

I have sent letters rejecting their offers saying I will accept the amounts offered as part settlement. Havent heard anything yet but generally would they pay out what they have offered first and then let me carry on to the ombudsman for the rest or is it likely that they would withdraw their first offer totally as I have rejected it as full and final settlement ?

 

Sally

 

Hello Sally,

 

If you have sent a letter accepting their offer in part settlement. I am unsure if they will pay you any monies until the complaint is resolved:roll:

 

They may come back with a further offer, time will tell, if not to the FOS you go:grin: These companies have to pay a hefty fee if the fos gets involved:-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 Sally,

 

If you have sent a letter accepting their offer in part settlement. I am unsure if they will pay you any monies until the complaint is resolved:roll:

 

They may come back with a further offer, time will tell, if not to the FOS you go:grin: These companies have to pay a hefty fee if the fos gets involved:-D

 

Morning all,

 

I'm bit confused......

 

Who is it best to complain to, the FOS or the FSA (or both). What one would be most effective (or should I say cause the most pain/cost to a finacial institution:D )

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

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Morning all,

 

I'm bit confused......

 

Who is it best to complain to, the FOS or the FSA (or both). What one would be most effective (or should I say cause the most pain/cost to a finacial institution:D )

 

Hello Bog,

 

Yes things can get a bit confused, I am in a state of total confusion for most of the time:lol:

 

The FOS is the Financial Ombudsman Service, this authority is the one that you complain to regarding any complaints that companies will not resolve ie ppi. They will investigate the complaint, once a company have issued their final response, for free for the complainant and charge the company a heftly fee if found to be in the wrong. The can set right the wrongs on behalf of the customer.

 

Now the FSA The Financial Services Authority was formulated in I think Jan 05 and they are the financial watchdog who regulate the activities of credit licence holders to control their practices and I am sure other things to ensure they have good business practices. If you complain to them, they will not investigate individual complaints about companies, but will file and note the complaints and if enough complaints are logged to a certain company, they will investigate their practices and if found to be dodgy they will fine them heavily. Example HFC fined £1,000's for their mis-selling of ppi. So it is important to always report you complaint to the FSA so they keep a log of complaints of different companies. The more the merrier:grin: and the quicker these companies get their comupence.

 

It is also important to report these disputes to the Office of Fair Trading again they will investigate if they get enough complaints about a company and have the right to revoke the companies credit licence:grin:

 

Hope this makes it clearer for you:-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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Thanks for the answer 'H'

 

So in a way, it's best to report them to ALL three - FOS, FSA & OFT :D

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

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Thanks for the answer 'H'

 

So in a way, it's best to report them to ALL three - FOS, FSA & OFT :D

 

 

Yes:grin: , Mmmhh and maybe Trading standards just to be sure: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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Hi Hellhasnofury & Bog

 

Just to let you know received a letter from FirstPlus this morning regarding the 2nd loan and my letter re part settlement. It says that they would like to confirm that is is their final response offering the £2500 as a gesture of goodwill,

 

How do I now go about going to FOS FSA & OFT ? I have had my SAR today but we are going away for a week from tomorrow so wont have time to look through it before. Do I just check through what has been sent then send them copies of my complaint and any supporting documentation ? Should I copy FirstPlus what I send ?

 

Thanks Sally

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  • 4 weeks later...

Hi Hellhasnofury.

 

We have just come back from a lovely relaxing holiday and now ready to do battle again.

 

The situation at present is that First Plus have come back with final offers of £2500 for the 2nd loan and £1400 for the first which i sent part settlement offer letters back and they basically told me no chance.

 

I have now reviewed all the documents and the tape they sent me from the SAR and it is apparant that conversations are missing or cut short so I am going to send a non compliance letter.

 

The conversations on the tape show i beleive that we were missold on both PPIs. Should I go back with my non compliance letter and also I wanted to spell out to them what I have found from the tape before I go to the ombudsman / FSA / OFT. Or should I send everything to them at the same time ?

 

Thanks Sally

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Hello kanecole,

 

I see hell has been helping you a lot.:-D

 

We took our a loan with you in April 2005 for £15000. A PPI policy for £3673.5 was added to this loan. We do not beleive this policy was sold to us with best advice. It was not made clear that we didn't need this policy and cover could be obtained from elsewhere. Also my husband was in employment and was covered by his employer. We did not receive a breakdown of our monthly payments showing the loan amount & PPI seperately.

 

Then 8 months later we required further borrowings so approached you to to increase the existing loan to £28,500. It is only now that we are looking into this matter that we realise that the figure of £16767 shown on the breakdown of the revised borrowing was the original loan plus the PPI.

 

The FSA made made a ruling on PPI and the misselling issue on 14 Jan 2005 so your loans and the PPI attached should have been subject to this ruling.

FSA crackdown on PPI rules | This is Money

 

FSA determined to see better practice in PPI sales

 

quote]

They are offering me an enhanced rebate of £1404.47 and apparantly they say they gave me a £1078.81 rebate when the first loan was amalgamated into the 2nd loan. Although I still havent received the S.A.R - (Subject Access Request) but they have now cashed my cheque so it should be forthcoming.

 

 

Please make sure you get everything you asked for in your S.A.R - (Subject Access Request)!

 

Did this sum include PPI? or was it only Loan rebate? this is where they get you!!!

 

Be very wary I have four refinanced loans into my current one when I got statements of settlement on three of them there was just one figure on early settlement rebate. So I am unable to say how much was the main loan settlement and how much (if anything) was the PPI settlement. It was just one figure so I am assuming it was main loan and nothing for the PPI.

 

Hence I will be claiming the lot back and it is turning out to be a fight.

 

Good luck.

 

aa

Edited by alanalana
links added

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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Hi alanalana

 

Thanks for your message it was really helpful. There is definately phone conversations missing from the tape so I have sent a non compliance letter.

 

FirstPlus again have confirmed that there offers on both PPI is their final so i am now going to go tothe Ombudsman, FSA and OFT. I have found the form I need to complete for the FOS, do you know where I write to for the FSA and OFT. Or should I wait until the FOS investigate ?

 

Thanks Sally

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Hi KC,

 

FSA...

The Financial Services Authority,

25 The North Colonnade,

Canary Wharf,

London

E14 5HS

 

OFT...

The Office of Fair Trading,

OFT Enquiries,

Fleetbank House,

2-6 Salisbury Square,

London,

EC4Y 8JX

I have had a response from FOS and FSA.

The FOS (Ombudsman) is the one who can take action the FSA cannot rule against anyone they regulate (Please see post 74 on my thread)

I have not had a reply from the OFT yet.

I would let the FOS deal with the complaint I have not yet started to reclaim PPI. My letters have been complaints about the failure to provide information under the Data Protection Act 1998.

You should find more in here about the various organisations....links

Hope this help

aa

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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Hi

 

Can anyone tell me where I find a template letter for when the company doesnt provide the SAR within the 40 day time limit ? I have a separate smaller complaint with the Halifax for PPI and i sent the SAR to them on the 27th March and haven't received anything.

 

Thanks KC

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Hi

 

Can anyone tell me where I find a template letter for when the company doesnt provide the S.A.R - (Subject Access Request) within the 40 day time limit ? I have a separate smaller complaint with the Halifax for PPI and i sent the SAR to them on the 27th March and haven't received anything.

 

Thanks KC

 

hello kc,

 

you will find the non-compliance letter in the bank template letters on the nain page of the forum: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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  • 4 months later...
hello kc,

 

you will find the non-compliance letter in the bank template letters on the nain page of the forum:D

 

Very frustrating, why do threads on this site seem to mostly have no conclusion. Has there been no further activity since may 08? I know in my posts when mine have stopped it is because I have had no further activity, is this the case for this thread?

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Very frustrating, why do threads on this site seem to mostly have no conclusion. Has there been no further activity since may 08? I know in my posts when mine have stopped it is because I have had no further activity, is this the case for this thread?

 

Hello rfc,

 

I am sure that KC will update their thread, I do believe this complaint is being investigate by the FOS, so there may be nothing to update, until they have concluded their investigation and as they been bombarded with complaints of this nature, it takes time.

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 RFC

 

HHNF is right. These two PPI compaints with FirstPlus were sent to the Ombudsman in May 08 and there has been no further developments. I have received 2 letters from the FOS to say sorry but they are so snowed under with PPI complaints that it hasnt even been allocated an adjudicator yet. Telephoned them last week to get an update and was told they have now been allocated to a team but no adjudicator is still available and not likely to be for a least another couple of months. Just have to sit it out and wait.

 

KaneCole

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  • 3 weeks later...

Hi All.

 

We have received a letter from the FOS stating that they have still not allocated adjudicator beacuse of the large number of PPI complaints and will be in touch again within 2 months to update us on progress.

 

This has now been with them since may and because we had to remortgage for a much higher amount last year as a result of this PPI complaing we are are now into an arrears situaition with our mortgage.

 

It says in the FOS letter that if we are experiencing exceptional financial hardship because of cirumstances connected to our complaint we should tell them, We are only about £1500 in arrears and are slowly paying it back but should we tell FOS this and is it likely to push our complaint up the line ?

 

Any advice from anyone who has a similar experience would be greatly appreciated.

 

Still fighting

 

Kanecole

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Hello KC,

 

Hi All.

 

We have received a letter from the FOS stating that they have still not allocated adjudicator beacuse of the large number of PPI complaints and will be in touch again within 2 months to update us on progress.

 

This has now been with them since may and because we had to remortgage for a much higher amount last year as a result of this PPI complaing we are are now into an arrears situaition with our mortgage.

 

It says in the FOS letter that if we are experiencing exceptional financial hardship because of cirumstances connected to our complaint we should tell them, We are only about £1500 in arrears and are slowly paying it back but should we tell FOS this and is it likely to push our complaint up the line ? IMO Most definately tell them of this situation and I would suggest by letter, with the evidence of any arrears. You should not be in this situation because of their Mis-selling practices. It may help to get your complaint with the FOS passed on to an adjudicator more quickly.

 

Any advice from anyone who has a similar experience would be greatly appreciated. I have not had to face this problem thankfully

 

Remember to use Recorded delivery to keep a track.

 

aa

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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Hello KC

 

Glad to see you are still fighting the good fight:grin: but sorry to hear of your financial postion.

 

I totally agree with AA, inform the FOS of any changes and effects of this mis-selling ppi is having on you.

 

Good luck and keep us posted:-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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  • 3 weeks later...

Hi All

 

Just to update you. I spoke with the FOS this week and they advised me that although they are now looking at FirstPlus as a whole, individual claims will also still be investigated. They have been completely inundated with PPI claims which is why it is taking so long (if you look at their website they had something in the region of 1600 claims last year but it is now already up to nearly 11000 this year). Will let you know when I hear something.

 

Good Luck to you all in reclaiming what is yours.

 

KaneCole.

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Hello KC,

 

and good luck to you too.

 

I have one success against RBS through FOS , two pending and a little victory as the ICO state they are in breach of the Data Protection Act 1998 and After many months I may get to see all the information as requested in my SAR in January.

 

Keep on the fight and keep us posted;)

 

aa

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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Hiya KC

 

Makes you wonder if the FOS will take these claims to high court being as they are getting inundated to try to get some law passed on what can be refunded and what cant to try to stop financial institutions from passing the buck etc.

 

Regards

 

Leon

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hey Leon,

 

nice result for your team today well done:D

 

aa

Edited by alanalana

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.

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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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