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    • Court is selected by you if you get an n180 dq form from the court.   Lowell will need to provide signed agreement s for both accounts in their POC to succeed as well as things like notice of assignment and default notices.   If you search here lowell claimform you see they have backed off with better paperwork than you have..those are pants..no ip addresses either i will guess.. Goodluck Lowell!!   Dx
    • I can't read it in detail now, but just skimming over it:   1.  Where is the title?  Didn't we say "Particulars of Counterclaim"?   2.  Where is para 19 and 20?   3.  I think FTMDave suggested putting the individual subtotals and Exhibit numbers against para 18(a) - (d) to make it clearer for the judge?   4.  what is this £3000?    "A receipts in respect of 3 items (a) - see Attachment 1 – Page-4-8 for:   (i) £3,000.00 GTM piling"   Isn't that £3000 already included in 18(a)???????   5.  Why are there two 18(c)?   6.  I don't understand what this means:     A receipts in respect of 3 items (a) - see Attachment 1 – Page-4-8 for:   (i) £3,000.00 GTM piling,                                                      (ii) Rubble truck £387.12                                                     (iii) £250.00 to Mellor the roofer   The two priced quotes in respect of items (b) (1) Cheshire Bespoke Building Limited for £5,190.00,  and (2) Mellor Roofing Specialist. (c) – see Attachments 6 and 7 - are attached in support of this counterclaim   7.  Does the last sentence need a paragraph number as appropriate?   Read #131 et seq again...    
    • Why not ring the contravention unit (sic) of the council first. Find out why this has happened, but I've a funny feeling it will result in you using the appropriate forms in that link.   They might deal with the bailiffs for you, as there appears to be some comms breakdown .
    • My final ticket:      1.      The original Claimant agreed to undertake building work (Project 1) at the original Defendant/now Part 20 Counterclaimant’s property in relation to 3 specific areas of work for an agreed price of £4300.  The work was:   a. To underpin the bay window at the property, b. To replace and repair a previously-removed chimney breast and, c. To install a new beam to the patio door.   2.      It was agreed that Project 1 was to be carried out under the instructions of a structural engineer engaged by the Defendant/Part 20 Counterclaimant and that the Claimant’s work would be as a result of instructions received following the structural engineer's assessment of the property.   3.      Between June and July in 2020 the Defendant/Part 20 Counterclaimant provided the Claimant with a full copy of the structural engineer's report which detailed instructions to the Claimant for the works to be carried out.   4.      It was agreed between the parties that the works would commence on 13 August 2020.   5.      It was agreed between the parties that payments for Project 1 would be made in three instalments. The first payment would be made at the start of the Claimant's work. The second payment would be paid at the halfway point of the Claimant's work. The final payment would be made on completion of the total works.   6.      The Claimant commenced work on 13 August 2020 and the first instalment due was paid.     7.      On 24 August 2020 the Claimant asked the Defendant/Part 20 Counterclaimant to arrange an inspection of his work by the Building Control Inspector.  The Claimant also stated that Project 1 was approaching mid-way and the Defendant/Part 20 Counterclaimant paid the second instalment due.   8.      The Building Inspector arrived to inspect the Claimant’s work but the Claimant was absent.  The inspector was obviously very displeased by the standard of the Claimant's work.  The inspector spoke to the Claimant by telephone, asking him why he was absent and interrogating him about the work he had done.  The inspector then gave him some instructions over the telephone and also left a list of instructions with the Defendant/Part 20 Counterclaimant to be passed on to the builder.  The building inspector then said he would be getting in touch with the Defendant/Part 20 Counterclaimant’s structural engineer with his findings and the Defendant/Part 20 Counterclaimant should hear from the engineer soon.   9.      The Defendant/Part 20 Counterclaimant passed on the Building Inspector’s instructions to the Claimant who agreed to follow them.   10.  The structural engineer visited and recommended piling to complete the underpinning for Project 1.  The Claimant explained that he could not undertake this work. The structural engineer then suggested an alternative company to the Defendant/Part 20 Counterclaimant to do the necessary work and this company was engaged by the Defendant/Part 20 Counterclaimant to complete the necessary piling at an additional cost to the Defendant/Part 20 Counterclaimant of £3000. (See receipt at Exhbibit-1).   11.  The Claimant asked if the Defendant/Part 20 Counterclaimant needed any more work to be done and, despite the problems encountered on Project 1, the Defendant/Part 20 Counterclaimant agreed on 7 September 2020 to have more work done (Project 2) at an agreed price of £2580 and on similar payment terms to Project 1.   12.  As work commenced on Project 2 and was continued on the remaining work for Project 1, the Defendant/Part 20 Counterclaimant had occasion to make several complaints to the Claimant regarding the standard of his work.   13.   Barely a week after starting on Project 2, the Claimant demanded payment for that work.  After a period of negotiation the Defendant/Part 20 Counterclaimant paid the Claimant £1500 in cash.  Both parties agreed that this left a balance outstanding on Project 2 of £1080.   14.  It later came to the Defendant/Part 20 Counterclaimant’s attention that the Claimant had removed material (including a steel beam) from the Defendant/Part 20 Counterclaimant’s property that the Defendant/Part 20 Counterclaimant suspects either belonged to him or had been paid for by him in connection with Project 1.  When the Claimant challenged admitted he had done this.  The Defendant/Part 20 Counterclaimant has included the value of this material in his counterclaim detailed below.   15.    On 21 September 2020 the Defendant/Part 20 Counterclaimant highlighted and sent a snagging list to the Claimant (Exhbibit-2).  Over a month later the Claimant sent an employee to attend to this work.  It was not carried out satisfactorily and resulted in an updated snagging list being sent to the claimant (Exhibit -3).  All of this snagging work remains undone by the Claimant.   16.  Apart from the outstanding snagging work referred to in para 16 above, the Claimant also left other work from Projects 1 and 2 uncompleted.  That work which was not completed is listed at ( Exhibit 4.)   17.  During the course of carrying out work on Projects 1 and 2 the Claimant also negligently caused substantial damage to the Defendant/Part 20 Counterclaimant’s property (as itemised in  Exhibit-5) by not executing the work with the skill expected of a reasonable tradesman.   18.  The Defendant/Part 20 Counterclaimant seeks an order from the court directing the Claimant to pay to the Defendant/Part 20 Counterclaimant the sum of £16,577.12 in respect of:   (a)   the cost of the piling referred to in para 10 above which the Claimant could not undertake and another contractor had to be paid to complete; (b)   the cost of completing work the Claimant had left undone from Projects 1 and 2 referred to in para 16 above; (c)   the cost of remedial work to put right the damage negligently caused by the Claimant and referred to in para 17 above. (d). the cost of the steel beam referred to in para 14 above put down as estimated.   A receipts in respect of 3 items (a) - see Attachment 1 – Page-4-8 for:   (i) £3,000.00 GTM piling,                                                      (ii) Rubble truck £387.12                                                     (iii) £250.00 to Mellor the roofer   The two priced quotes in respect of items (b) (1) Cheshire Bespoke Building Limited for £5,190.00,  and (2) Mellor Roofing Specialist. (c) – see Attachments 6 and 7 - are attached in support of this counterclaim.     The defendant/Part 20 counterclaimant is claiming 8% interest under the County Courts Act 1984 from the 26 October 2020 which was the last day the       STATEMENT OF TRUTH   I believe that the facts stated in this particulars of counterclaim are 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 its truth.’.    
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Firstplus ppi


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Some advice needed. My husband stupidly arranged a consolidation loan over the telephone with firstplus in January 2007, for £52.000.

 

After getting into financial difficlulty and looking on these forums I decided to check if we were paying for ppi. My husband does not remember being told anything about ppi and he did not have any copies of the paperwork.

 

I requested a copy of the loan agreement along with any details of insurance monthly payments and interest charges applicable.

 

After receiving a copy of the loan agreement and a copy of the leter that was also sent it shows that ppi has been added for £12734.80. This is for a 5 year payment protection Policy.

 

The copy of the loan agreement was not very clear the key financial information part was all black so I have requested another copy from them, to which they said they did not have a clearer copy and would need to get a copy from their solicitors?? so I am waiting for that to come through. Also there is a box that has a preprinted x in it but can not read what that is for!

 

While I was waiting for firtsplus to send a copy of the loan agreement I decided to call them and ask what the monthly payment for the ppi is. He asked if this was because I wanted to cancel it and if so he would send me letter with some details on what the refund would be.

 

While I was waiting for this I sent them a letter for misselling me a policy as:

 

1. my husband does no recall being told anything about ppi and I did not speak to anyone at any time about any information.

 

2. A 5 yr policy it not very suitable for a 17 yr loan.

 

Then on the same day I recieved a letter from firstplus stating that as the loan and isurance was actually sold by one of their brokers (my husband thought he was dealing with them direct) that they were unable to investigate and have forwarded the details to Central Capital.

 

I have also recieved a letter from Firstplus stating if I want to cancel the insurance they are prepared to make a refund of £1807.51 in respect of the premium paid.

 

What is my next step do I wait for central capital to come back to me and ignore the letter from firstplus.

 

I also believe that the correct procedures were not checked when the policy was sold i.e proof of income and expenditure as if they had they would have seen that we would find it difficult to repay the loan.

 

Any advice is appreciated.

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Central Capital should get in touch ,though it may be Central Trust as they are now.

As this was 2007 they were regulated by the FSA so you will have the option to go to the FOS if Central disagree you have been mis sold.

Though I do know people have had successful claims againt Central.

Were you given Centrals details to check First plus did contact them?

 

Good Luck:)

Any opinion I give is my own and given without

any liability.

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Hello Pilla,

 

S

ome advice needed. My husband stupidly arranged a consolidation loan over the telephone with firstplus in January 2007, for £52.000.

 

After getting into financial difficlulty and looking on these forums I decided to check if we were paying for ppi. My husband does not remember being told anything about ppi and he did not have any copies of the paperwork.

 

I requested a copy of the loan agreement along with any details of insurance monthly payments and interest charges applicable.

 

After receiving a copy of the loan agreement and a copy of the leter that was also sent it shows that ppi has been added for £12734.80. This is for a 5 year payment protection Policy.

 

The copy of the loan agreement was not very clear the key financial information part was all black so I have requested another copy from them, to which they said they did not have a clearer copy and would need to get a copy from their solicitors?? so I am waiting for that to come through. Also there is a box that has a preprinted x in it but can not read what that is for!

 

While I was waiting for firtsplus to send a copy of the loan agreement I decided to call them and ask what the monthly payment for the ppi is. He asked if this was because I wanted to cancel it and if so he would send me letter with some details on what the refund would be.

 

While I was waiting for this I sent them a letter for misselling me a policy as:

 

1. my husband does no recall being told anything about ppi and I did not speak to anyone at any time about any information.

 

2. A 5 yr policy it not very suitable for a 17 yr loan.

 

Then on the same day I recieved a letter from firstplus stating that as the loan and isurance was actually sold by one of their brokers (my husband thought he was dealing with them direct) that they were unable to investigate and have forwarded the details to Central Capital.

 

I have also recieved a letter from Firstplus stating if I want to cancel the insurance they are prepared to make a refund of £1807.51 in respect of the premium paid.

 

What is my next step do I wait for central capital to come back to me and ignore the letter from firstplus.

 

I also believe that the correct procedures were not checked when the policy was sold i.e proof of income and expenditure as if they had they would have seen that we would find it difficult to repay the loan.

 

Any advice is appreciated.

 

 

Bang in a complaint to the Financial Ombudsman Service (FOS) and give them all the details.......

 

Financial Ombudsman Service

 

all of the contact details are in the link above

 

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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You should not accept their pathetic attempt at a refund. They need to refund the lot and adjust the remaining loan balance accordingly. The steps to this are on my thread here, but the first thing you need to do is send a SAR to get proof that the PPI was mis-sold.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/128548-first-plus-ppi-reclaim.html

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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You should not accept their pathetic attempt at a refund. They need to refund the lot and adjust the remaining loan balance accordingly. The steps to this are on my thread here, but the first thing you need to do is send a Subject Access Request to get proof that the PPI was mis-sold.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/128548-first-plus-ppi-reclaim.html

 

I second what Goldlady say's! They have mis-sold PPI to thousands of people and they know it!

 

They will give in, as they don't want bring to much adverse publicity to their parent company 'Barclays' - just be firm and stand your ground!

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

 

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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Who do I send the subject access request to firstplus or central capital?

I have received a letter from central trust saying they are investigting and will respond within eight weeks.

 

Should I Send another letter to central trust detailing the amounts i want bAck?

 

 

thks x

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I know it's an extra £10, but I would send it to both, then you may be able to see the paper trail and if it ever got to court you would have a much better understanding of who did/implied what (call recordings/transcripts etc.)

 

From what I understand, if it's central trust that sold you the loan/PPI then they are responsible for the mis-selling and therefore would have to reimburse you.

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

 

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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they don't want bring to much adverse publicity to their parent company 'Barclays'

 

Well I didn't know that - how interesting;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I agree with Bog on the SAR's going to both as they will each have a record of all the discussions - hopefully!

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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