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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
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Quick update - phoned Lloyds on Tues 6 Jan to see if they had any news - matter still being investigated as they were in contact with the person who sold loan and ppi - very strange as I know she is currently on mat. leave - anyway was advised that they hoped to be in a position to let me know outcome before the 40 day deadline which is 13 Jan - so I can only assume that they will reject my claim - never mind I've got my letter ready to go to the FSO - will keep you all posted.:confused:

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Interesting stories they come up to fob you off with I doubt when you get your response there will be any specific mention of what the sales person said just generic passages and also what they write back with will be virtually identical to what some of us have already received

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Quick update - Lloyds have failed to respond by the 8 week deadline - phone yesterday and was told matter still under investigation. Sent off letter advising was unhappy that they had not responded and have given them 14 days to respond - hope this is correct.

 

In the meantime visited my local branch and told them how disappointed I was with the service and that if I had wanted a loan it would have been done in 30 minutes.

 

Branch don't have any record of contact from Customer Service - so someone's telling porkies - what next.:mad::confused:

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Probably customer service - I am surprised that they haven't responded in the 8 weeks - all they ever do is cut and paste paragraphs that some spotty teenager thinks best fits your points

 

Might be worth having a chat with an FOS advisor - you can get straight through to one on the phone 0845 080 1800. They may well tell you to wait until you get a full and final response but nothing ventured and all that. And it takes months to be allocated an advisor and I beleive at that point they give you the opportunity to update them on any changesso they may take it on

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Letter Before Action - and you are not thick we were all new on here at some point. There are templates on here to help basically its says I am not happy at your response/lack of response pay up or I will start court proceedings - not needed if you are going down the FOS route obviously - the FOS may kick them to reply for you

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Hi

 

Just another update - letter received from Lloyds advising that they were still investigating - 8 weeks expired and very sorry that they could not comply with my request within timescale - so I phoned them to see what problem was and was told that the Personal Loan Centre had not supplied them with copies of loan agreement etc. so followed suggestion and phoned FSO took they complaint over phone I will forward another form for me to complete - will continue to advise of progress with this.

 

With regards to MBNA and Egg have started new threads

 

Thanks

 

roors

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Hi

 

Just another update - letter received from Lloyds advising that they were still investigating - 8 weeks expired and very sorry that they could not comply with my request within timescale - so I phoned them to see what problem was and was told that the Personal Loan Centre had not supplied them with copies of loan agreement etc. so followed suggestion and phoned FSO took they complaint over phone I will forward another form for me to complete - will continue to advise of progress with this.

 

With regards to MBNA and Egg have started new threads

 

Thanks

 

roors

 

Good for you Roors, you decide on the progress of the matter not 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

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Hi received a statement from Lloyds today covering period September to Dec 08 outlining balance of Personal Loan - strange I've never had anything like this before - it states what I initially borrowed along with PPI added and interest rate - just thought I would keep you updated - postmans never been on my doorstep as often - at least I'm keeping someone in a job:confused:

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Update on Lloyds PPI reclaim - received letter from them this morning advising that my claim has been rejected - staff would not have advised that loan would not have been approved if PPI was not taken. Also they always ask about pre-existing medical conditions - and I could have cancelled policy at any time. How stupid am I - I must have really wanted to pay an additional £177 pm for 5 yrs - just as well they ran out time and I've already raised complaint with FSO - the fight is on big time

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No surprises there then Roors

 

You don't seem to be getting much back form your SAR request yet do you?

 

It is taking me longer than I thought to ge my package together for teh FOS but I am still well within time

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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  • 3 weeks later...

Hi

 

Sorry I've not been about for a while - went for a post Christmas break and ended up in bed with a bug - but hope the fight hasn't been taken away from me.

 

A quick update with lloyds ppi - after several fluent conversations with them - I think I've won - they have verbally agreed to refund ppi and interest paid to date - but won't give me 8% - will wait for confirmation in writing before I get to excited - will keep you all posted.

 

The other debtors are still there - but will keep them posted on own threads.

 

Roors

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A quick update with lloyds ppi - after several fluent conversations with them - I think I've won - they have verbally agreed to refund ppi and interest paid to date - but won't give me 8% - will wait for confirmation in writing before I get to excited

Roors

 

Good stuff Roors, let us know when you get the green shields ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hello roors,

 

Hi

 

Sorry I've not been about for a while - went for a post Christmas break and ended up in bed with a bug - but hope the fight hasn't been taken away from me.

 

A quick update with lloyds ppi - after several fluent conversations with them - I think I've won - they have verbally agreed to refund ppi and interest paid to date - but won't give me 8% - will wait for confirmation in writing before I get to excited - will keep you all posted.

 

The other debtors are still there - but will keep them posted on own threads.

 

Roors

 

Nice to see things are looking positive for you:D

 

I had an offer from RBS on my first complaint/claim and turned it down as no statutory interest included. The offer on 4 loans with Direct Line Financial Services (now owned by RBS) was £2.6k. complained to the FOS and ended up with £3.8k it just took a bit longer. Similar happened on my other complaint for three loans with PPI this time with RBS and there goodwill gesture included repayment of all my PPI including interest and Statutory 8% on top but again a goodwill gesture with no admission of liability. Total over £10k but not posted in successes yet as I still await outcome of complaint with ICO who basically have told me RBS have breached one of the principles of the Data Protection Act 1998 and are awaiting a response from RBS.

 

So if the 8% is not included you can still get the FOS involved. Either way you get your cash or some of it back.

 

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 All

 

Thanx for all your messages - its good to know that I'm still not alone.

 

Anyway letter from Lloyds arrived this morning - they will refund in total enough to clear loan in excess of £7k and put £130 into my current account - couldn't have done it without the forum and others caggers.

 

Well done to you AA - Lloyds also haven't admitted any liability and I think I will still let FSO deal with the 8% element.:grin:

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Hi All

 

Thanx for all your messages - its good to know that I'm still not alone.

 

Anyway letter from Lloyds arrived this morning - they will refund in total enough to clear loan in excess of £7k and put £130 into my current account - couldn't have done it without the forum and others caggers.

 

Well done to you AA - Lloyds also haven't admitted any liability and I think I will still let FSO deal with the 8% element.:grin:

 

Wow great result Roors:grin:, well done for you: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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Hello roors,

 

Hi All

 

Thanx for all your messages - its good to know that I'm still not alone.

 

Anyway letter from Lloyds arrived this morning - they will refund in total enough to clear loan in excess of £7k and put £130 into my current account - couldn't have done it without the forum and others caggers.

 

Well done to you AA - Lloyds also haven't admitted any liability and I think I will still let FSO deal with the 8% element.:grin:

 

Whatever on the 8% and you should go for it by telling Lloyds that this is accepted as a part settlement but you will be going to the FOS for the 8% statutory interest element.

 

At least you better off now than before you started to fight back well done again:grin:

 

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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Superb result, roors, well done, Title changed :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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