Jump to content


  • Tweets

  • Posts

    • Your point 4 deals with that and puts them to strict proof .....but realistically they are not in a position to state that within their particulars they were not the creditor at the time of default but naturally assume the OC would have...so always worth challenging and if you get a DJ who knows his onions on the day may ask for further evidence from the OC internal accounts system. 
    • I see, shame, I think if a claim is 'someone was served' then proof of that should be mandatory. Appreciate your input into the WS whenever you get chance, thanks in advance
    • Paper trail off the original creditor often confirms the default and issue of a notice...not having or being able to disclose the actual copy or being able to produce a copy less so. Creditors are not compelled to keep copies of the actual default notice so you will in most cases get a reconstituted version but must contain accurate figures/dates/format.     .    
    • Including Default Notice Andy? Ok, I think this is the best I can do.. it all makes sense with references to their WS. They have included exhibits that dates don't match the WS about them, small but still.. if you're going to reference letters giving dates, then the exhibits should be correct, no? I know I redacted them too much, but one of the dates differs to the WS by a few months. IN THE ******** County Court Claim No. [***] BETWEEN: LC Asset 2 S.A.R.L CLAIMANT AND [***] DEFENDANT ************ _________________________ ________ WITNESS STATEMENT OF [***] _________________________ ________ I, [***], being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim. 1. I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much-reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income as confirmed in the claimant’s witness statement exhibit by way of the Deed of Assignment. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 2. The Claim relates to an alleged Credit Card agreement between the Defendant and Bank of Scotland plc. Save insofar of any admittance it is accepted that the Defendant has had contractual agreements with Bank of Scotland plc in the past, the Defendant is unaware as to what alleged debt the Claimant refers. 3. The Defendant requested a copy of the CCA on the 24/12/2022 along with the standard fee of £1.00 postal order, to which the defendant received a reply from the Claimant dated 06/02/2023. To this date, the Claimant has failed to disclose a valid agreement and proof as per their claim that this is enforceable, that Default Notice and Notice of Assignment were sent to and received by the Defendant, on which their claim relies. The Claimant is put to strict proof to verify and confirm that the exhibit *** is a true copy of the agreement and are the true Terms and Conditions as issued at the time of inception of the online application and execution of the agreement. 4. Point 3 is noted. The Claimant pleads that a default notice has been served upon the defendant as evidenced by Exhibit [***]. The claimant is put to strict proof to verify the service of the above in accordance with s136 and s196 Law of Property Act 1925. 5. Point 6 is noted and disputed. The Defendant cannot recall ever having received the notice of assignment as evidenced in the exhibit marked ***. The claimant is put to strict proof to verify the service of the above in accordance with s136 and s196 Law of Property Act 1925. 6. Point 11 is noted and disputed. See 3. 7. Point 12 is noted, the Defendant doesn’t recall receiving contact where documentation is provided as per the Claimants obligations under CCA. In addition, the Claimant pleads letters were sent on dates given, yet those are not the letters evidenced in their exhibits *** 8. Point 13 is noted and denied. Claimant is put to strict proof to prove allegations. 9. The Claimant did not provide a true copy of the CCA in response to the Defendants request of 24/12/2022. The Claimant further claims that the documents are sufficient to pursue a Judgement and are therefore copies of original documents in their possession. Conclusion 10. Without the Claimant providing a valid true copy of the executed Credit agreement that complies with the CCA, the Claimant has no grounds on which to enforce this alleged debt. 11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. On receipt of this claim I could not recall the precise details of the agreement or any debt and sought clarity from the claimant by way of a Section 78 request. The Claimant failed to comply. I can only assume as this was due to the Claimant not having any enforceable documentation and issuing a claim in hope of an undefended default judgment.   Statement of Truth I, ********, the Defendant, believe the facts stated within this Witness Statement to be true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in it’s truth. Signed: _________________________ _______ Dated: _____________________
    • AMEX and TSB the 2 Creditors who you need to worry about the least, ever!  Just stop paying them and forget about it, ignore all their threat o gram letters.  Only if, and with these 2 it's a massive if, you end up with a claim form you need to respond, and there will be plenty of help here.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

ppi on ge capital store card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5451 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

While flicking through my statements i received from ge capital from a sars to do with late payment charges i noticed ppi (balance cancellation cover) on there, which i cancelled as soon as i discovered it. I vaguley remember a phone call years ago from a guy selling something which i think i said yes to as he scare sold me into it.

 

Anyway, what i was wondering is do i have to send off another £10 with the PPI sars or as they have already received £10 for information which i got back and it does have PPI on there shall i send off a ca request ?

But as i the PPI was added to my card later do i still send off for a copy of my credit agreement, or shall i move on to the next step.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

Link to post
Share on other sites

sorry meant to say not sure if all details are there !!! should i still send off a full sars again or just request more details on the PPI side.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

Link to post
Share on other sites

Hello ronvin,

 

sorry meant to say not sure if all details are there !!! should i still send off a full sars again or just request more details on the PPI side.

 

If you have already sent the Statutory fee of £10.00 but you believe data is missing then write back listing everything you believe you should have.

 

1. Copies of all Consumer Credit Agreements including associated paperwork like Terms and Conditions and any applicable Policy documents

 

2. Copies of all recorded telephone conversations or full transcripts of such conversations or notes made by any of their staff with regard to such conversations.

 

3. Copies of any documentation referring to you as a Data Subject in lines with the Data Protection Act 1998 in whatever format they hold. IE electronic/Paper/Microfische/CD etc. (Do not accept any response that states the information must be part of a proper filing system for them to supply it)

Please see this from the links in the stickies at top of the forum.

 

For legal issues relating to Data Protection check this link...Lots of very useful info in understandable terms.

Data Protection | OUT-LAW.COM

 

it includes the following and much much more

Negotiating with the Data Subject (This should be important to Banks)

 

At this stage, it is advisable to negotiate with the data subject. The location information the data subject will have already given will give a clue as to what it is the data subject really wants to have information about. The benefit of the Data Protection Act 1998 is that it allows data controllers to negotiate with data subjects to get the data subject to specify the exact information he or she wishes to receive.

 

The data controller is entitled to ask for a fee of £10 and two further pieces of information. Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a subject access request form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a subject access request made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place. Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks.

 

When the last of these three pieces of information has been obtained, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.

 

However, if the data subject is adamant that he or she wishes to receive a copy of everything the data controller holds on him or her, then there is very little the data controller can do about this, and a completely exhaustive search of the computerised and manually held data in the organisation will be required. (nice to know what you see in the Act is what you get)

Please make sure you tell them you have already paid the Statutory fee and therefore they have failed to comply with your SAR which is a requirement at Law they must comply with.

 

If they still fail to comply you can complain to the Information Commissioners Office and start Court Procedings for non compliance.

 

Hope this helps;)

 

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.

 

Link to post
Share on other sites

Hello ronvin,

 

 

 

If you have already sent the Statutory fee of £10.00 but you believe data is missing then write back listing everything you believe you should have.

 

1. Copies of all Consumer Credit Agreements including associated paperwork like Terms and Conditions and any applicable Policy documents

 

2. Copies of all recorded telephone conversations or full transcripts of such conversations or notes made by any of their staff with regard to such conversations.

 

3. Copies of any documentation referring to you as a Data Subject in lines with the Data Protection Act 1998 in whatever format they hold. IE electronic/Paper/Microfische/CD etc. (Do not accept any response that states the information must be part of a proper filing system for them to supply it)

 

Please see this from the links in the stickies at top of the forum.

 

 

 

Please make sure you tell them you have already paid the Statutory fee and therefore they have failed to comply with your S.A.R - (Subject Access Request) which is a requirement at Law they must comply with.

 

If they still fail to comply you can complain to the Information Commissioners Office and start Court Procedings for non compliance.

 

Hope this helps;)

 

aa

 

 

 

Absolutely agree with AA:D Write to them and inform them that they have not complied with your SAR, You require the extra information regarding the insurances that they applied. ie telephone recordings insurance policy information etc etc

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

Link to post
Share on other sites

  • 4 months later...

I wrote to ge money in november asking for information they they had not provided on my river island store card sars. I received a letter back form them stating that if i wanted that information i would have to pay the £10. I wrote back to them saying that i had already paid the £10 fee with my sars back in march 07 and they were in breach of the data protection act.

 

i received nothing SURPRISE

 

I sent them another breach of the data protection act in feb but i have still received nothing. Where do i go from here?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

Link to post
Share on other sites

Hello ronvin,

 

I wrote to ge money in november asking for information they they had not provided on my river island store card sars. I received a letter back form them stating that if i wanted that information i would have to pay the £10. I wrote back to them saying that i had already paid the £10 fee with my sars back in march 07 and they were in breach of the data protection act.

 

i received nothing SURPRISE

 

I sent them another breach of the data protection act in feb but i have still received nothing. Where do i go from here

 

Next step is a complaint to the Information Commissioners Office pointing out the failure of ge to comply with your SAR within the Statutory Data Protection Act 1998 s77-s79......

 

Main link....... Information Commissioner's Office - ICO

 

Complaints link below....

 

Complaints about data protection policy - ICO

 

You should inform ge of the action you are taking in response to their failure to comply. Did they cash your £10 cheque / Postal order? because if they have taken payment and not provided the data in accordance with the DPA 1998 the could have some serious explaining to do. Namely accepting the money in accordance with the DPA 1998 but not providing the data.:eek:

 

Keep at them;)

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.

 

Link to post
Share on other sites

  • 2 months later...

since the last post i've sent another breach of the dpa and asked for the ppi i knew about back, to my suprise they actually replied.

 

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

 

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a breakdown as to how they got their figures as i believe i paid more.

 

will keep you posted

  • Haha 1

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

Link to post
Share on other sites

since the last post i've sent another breach of the dpa and asked for the ppi i knew about back, to my suprise they actually replied.

 

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

 

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a breakdown as to how they got their figures as i believe i paid more.

 

will keep you posted

 

Wow way to go Ronvin:D you keep at them: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

Link to post
Share on other sites

since the last post i've sent another breach of the Data Protection Act and asked for the ppi i knew about back, to my suprise they actually replied.

 

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

 

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a breakdown as to how they got their figures as i believe i paid more.

 

will keep you posted

 

I like to see a good fight:D

 

Stick with it;)

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.

 

Link to post
Share on other sites

I like to see a good fight:D

 

Stick with it;)

 

love it aa i won't give in

 

received my statement this morning :mad:

 

The cheeky bleeders have just put their pathetic offer on there so my account is £200 lower but still not i'd agreed.

 

In my previous letter to them i'd specifically said not to put the money on there as i'd not agreed to any offer, I specified my terms which would make me agree.

They still have to send me a breakdown as to how they reached their figures.

 

Letter of complaint gone off today advising them to meet my terms or i'll take my complaint to the FOS.

 

I'll keep at them don't worry .:p

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

Link to post
Share on other sites

Bravo keep up on with the fight:D

 

Don't let the bu**ers grind you down;)

 

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.

 

Link to post
Share on other sites

Recieved a letter today re my ge money account, only it was from santander cards informing me that its no longer ge money.

 

Anyone else aware of this ?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

Link to post
Share on other sites

Recieved a letter today re my ge money account, only it was from santander cards informing me that its no longer ge money.

 

Anyone else aware of this ?

 

Perhaps this is why GE Money haven't replied to my SAR request from back in March?!

Debt Free Since 1st September 2009:D

 

Target Savings For 2010 = £1000:)

 

Savings So Far = £700:lol:

Link to post
Share on other sites

Recieved a letter today re my ge money account, only it was from santander cards informing me that its no longer ge money.

 

Anyone else aware of this ?

 

I knew santander were taking over some uk assests I would not let any takeover put me off reclaiming. I claimed on Direct Line Financial Services but RBS said I should submit my claim directly to Direct Line then I find out Direct Line had been legally transferred to RBS. I eventually got all my PPI claims repaid via the FOS Direct Line and RBS claims and RBS also got a wrap on the knuckles from the ICO.

 

I would therefore assume the same with GE if santander are legally taking them over then watch out santander for a mass of claims for mis-selling of PPI by GE.

 

 

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.

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...