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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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.

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Lloyds tsb loan PPI


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Hi All

I am now starting on my mothers reclaiming and most will be for PPI.

 

Here's Account History;

 

My mother took out a new loan sizeable with LLoyds TSB in 2003 at the age of 69.

 

This loan was a new loan that paid of an existing loan leaving the residue for other things.she was sold a single premium PPI policy with this new loan.

 

My mother had claimed on the previous insurance policy after a heart attack in 2001 so the bank were fully aware of her medical history not to mention her age.

 

She defaulted on the account in late 2004 and started repayments through CCCS.

 

At the time lloyds Tsb were asked to suspend interest on this account but they didn't.

 

They are still adding interest and the CCCS payments do not even cover this.

 

My Question is

 

Can she reclaim the PPI?

 

Any Advise would be welcomed

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

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Yes....do it! And stick with it...

 

I don't mean to be intrusive or presume anything, but is your Mother still working at 69? If not, I would have thought this and the medical history are grounds alone for mis-selling the PPI. Especially the dreadful lump sum type. LTSB are pretty shameless how they treat older people. They let my friends 73yo Aunt have 2 credit cards, she was on basic state pension, poorly, and got in a right mess. You could investigate whether the bank has acted in your Mother's best interests at all, by lending in the first place i.e. "irresponsible lending".

 

I have battled since 2005 and finally got 3 PPI policies refunded from LTSB. I very nearly gave up several times. When I first tried to cancel when our accounts were on track I was told no, you can't cancel...its a non cancellable policy. Then later when things went wrong and we fell behind, I wrote a letter of complaint in desperation (long before I discovered this site or MSE). I got completely ignored. I had phoned and was given the run around. "try this department/this office/another call centre etc.

 

I researched the Banking Code, and phoned them. The very kind lady told me they had broken the rules, and to contact the Ombudsman service. The ombudsman got involved, and they upheld my complaint on other issues but not the PPI as I had signed and it said optional...

As the compensation was a very significant figure I accepted it. A couple of years on, I still brooded on this damned PPI, and by then I had discovered the consumer sites. I eventually got fired up enough to write a letter, a template from MSE, to LTSB. They wrote back, quoting the Consumer Credit Act, "you signed blah blah" and rejecting my complaint. Not in the mood for giving up I wrote back again, this time in my own words, a strongly worded letter (though not abusive). I had nothing to lose. I sent all these recorded of course. To my surprise and delight, they wrote back, offering "goodwill" full refunds, and interest on top. The interest is a substantial amount too...

 

I'm sorry if I have gone on, but I thought it might help to let you know you can win....

 

When you win, they will refund the money direct to the loan account....happy days!

 

Good luck!

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thankyou sparklez30 for your reply

thankyou weeble70 its nice to know that someone has beeten the money grabbers at LTSB

i may well be contacting you for advise on my letters to them if thats ok

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

Link to post
Share on other sites

Hopefully this will help start you off Belville

 

You need to identify the reasons you feel you were mis-sold (e.g you were self employed, you already had a medical condition, you were unemployed, they insisted you had to take it out etc etc) see this thread for a list of reasons

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

You will also need to have all of the information to start with so if you don't already have all the statments, settlement breakdown and contracts etc then send the following SAR with a postal order for £10 to make the request (they must provide this information within 40 days) Also make sure you send the letter recorded delivery and keep the proof they received it.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-r-subject-access-request.html

 

Once you have all the info you can then send off the mis-selling letter template, these letters can be found in the first post of this thread (scroll down the post til you found the heading "Template Letter 1"

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

I would also suggest you have a read around the PPI forum particularly in the stickies at the top as there is alot of helpful information to assist you along the way and keep us updated :)

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