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    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
    • Kim Kyeong Yeon developed his virus-destroying machine after his child injured herself. View the full article
    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
    • so who remembers this utter cobblers spun by the right wing (which was of course denied by Nissan - as it was cobblers)   https://www.thisismoney.co.uk/money/markets/article-7962367/Nissans-Brexit-boost-Car-giant-secret-plan-close-EU-factories.html
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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So it isn't Lyons-Davidson that PCAD normally use. I'd be interested in learning, in the fullness of time, why they're handling this case then. I suspect that the answer to that could also answer another of the things that puzzles me: Why has this raised its ugly head again now after nearly four years of nothing.

 

The early threats from Lyons-Davidson were sent with Royal and Sun Alliance as the client, for the purposes of litigation this was changed to PCAD as claimant although Lyons-Davidson appear confused themselves as to whether PCAD are sole or first of two joint claimants. The Court have not picked up on this but if by chance PCAD won I'm sure we would make an issue of the matter.:roll:

Edited by Toulose LeDebt

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Patma

 

Best of luck tomorrow. I'll be thinking of you and Fred with fingers crossed.

 

BTW, did Fred see the occupants of the BMW? Did the male have reddish hair by any chance (I seriously doubt it but you never know)?

I'll ask him and let you know.

That's a mysterious question, very intriguing.

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The early threats from LD were sent with Royal and Sun Alliance as the client, for the purposes of litigation this was changed to PCAD as claimant although LD appear confused themselves as to whether PCAD are sole or first of two joint claimants. The Court have not picked up on this but if by chance PCAD won I'm sure we would make an issue of the matter.:roll:

Yes I noticed that too, TLD,sometimes they call PCAD first claimant, but where's the ghostly second one then?

I wonder what R&SA would say to being asked outright if they're claimants?

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Just seen your pm now TLD....wow and double wow. That would be just amazing. What a hoot!:D

 

I have just emailed you an annotated copy of the document Patma. I think that makes it clear to all and submitted into evidence by the claimant too eh? What a bonus!!!!

 

 

We'll keep that information out the public domain for now but I am in no doubt that the claimant knew this before they even entered litigation.

 

What we must do next is trace backwards through the entire document bundle until we find the first mention of that fact and see who introduced it and in what circumstances.

Edited by Toulose LeDebt

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I have just emailed you an amended copy of the letter Patma. I think that makes it clear to all and submitted into evidence by the claimant too eh? What a bonus!!!!

 

Certainly answers some of the questions which were frustrating us behind scenes Captain Slow meets mission impossible.

Just got it thanks and I've printed it out for reference.

When you think of all the evidence they've given us, they're our new best friends really.

LD I love you......big hugs all round:D

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Just got it thanks and I've printed it out for reference.

When you think of all the evidence they've given us, they're our new best friends really.

LD I love you......big hugs all round:D

 

Print another copy and put it on top of the pile of documents for tomorrows meeting, should be a good conversation starter.

 

There are some very sinister implications indeed for the claimant if this is confirmed.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Print another copy and put it on top of the pile of documents for tomorrows meeting, should be a good conversation starter.

 

There are some very sinister implications indeed for the claimant if this is confirmed.

Oh do explain, please. I can't wait. You can pm it if necessary, but I'll never sleep otherwise.

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This thread reminds me of the ABC Minors at the saturday pictures so many years ago as the end of every post from Patma and TLD leaves you on a cliffhanger,eagerly awaiting the next episode!

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This thread reminds me of the ABC Minors at the saturday pictures so many years ago as the end of every post from Patma and TLD leaves you on a cliffhanger,eagerly awaiting the next episode!

Hey middenmess, it's a cliffhanger for me too.:D:eek::confused:

TLD IS BEING MYSTERIOUS.

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Oh do explain, please. I can't wait. You can pm it if necessary, but I'll never sleep otherwise.

 

Look at the date of that letter then look at the date they started the claim.

 

The offence is not to do it but to do it 'knowingly'.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Hey middenmess, it's a cliffhanger for me too.:D:eek::confused:

TLD IS BEING MYSTERIOUS.

 

He's being careful.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Look at the date of that letter then look at the date they started the claim.

 

The offence is not to do it but to do it 'knowingly'.

 

I think I get you now, thanks.

Very well spotted what you pointed out in the email btw (sorry everyone, you'll hear about it honestly)

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I think I get you now, thanks.

Very well spotted what you pointed out in the email btw (sorry everyone, you'll hear about it honestly)

 

That was the problem you see for the point to be valid something else had to be wrong and it was. Only a minor otherwise insignificant error but it threw the whole theory.

 

 

(Well for a few minutes anyway).:D:D

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Okay I've received them now thanks.

 

Not sure why they bothered including that nonsense really the docs are highly irrelevant but as they've submitted costs based on what about thirty quid a throw for reading a letter I guess that's earned Lyons Davidson about 250 Lalaland dollars in return for no output or contribution whatsoever

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Notice they claim to be working for R&SA in the one I labelled 15?

On the second page of the index, the bottom item is a certain FOI request response from our friend at PCAD btw

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Notice they claim to be working for R&SA in the one I labelled 15?

On the second page of the index, the bottom item is a certain FOI request response from our friend at PCAD btw

 

 

I hadn't but now you mention it........ what a bunch of jokers.

 

 

Is that what it is? Well thank you very much Lyons Davidson because you have just completely proven one of the allegations made before the Court about your conduct (that's your conduct not 'your clients conduct) in presenting this case. I think that particular one was passed on to the SRA as well but tbh it's late now and there have been so many complaints, allegations of misconduct and contempt I forget where we are with each one sometimes.:roll:

Edited by Toulose LeDebt

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Please note that this topic has not had any new posts for the last 3330 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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