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    • Can someone please advise on how to upload picture.  I’ve taken a photo of the first page of claim form and converted to pdf but it saying file too big. It’s only one page
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • you IGNORE THEM. stop being had blind nothing anyone can do to you. dx  
    • 3 threads merged for complete history of your debts. i suggest you re read from post 1 again. what are you doing still blindly paying a DCA on a historic debt?  
    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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A + L Ppi


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Hello, I am wanting to start to claim my PPI back on a loan I took out with Alliance and Leicester. I have found my agreement and realise now that the premuim was added to the loan and so I paid interest on that as well. This was a small loan for £1,000 paid back over 12 months in 2004. I did not need PPI but as far as I can recall I could not proceed with the loan online without "ticking" the box. What is the first step I have to take to claim this back and can I claim interest for the 5 years as well. The amount I borrowed for the PPI is £92.48. I am quite clued up on claiming back bank charges but have no idea about claiming back PPI

 

Thanks Hils

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Hello Hils,

 

Hello, I am wanting to start to claim my PPI back on a loan I took out with Alliance and Leicester. I have found my agreement and realise now that the premuim was added to the loan and so I paid interest on that as well. This was a small loan for £1,000 paid back over 12 months in 2004. I did not need PPI but as far as I can recall I could not proceed with the loan online without "ticking" the box. What is the first step I have to take to claim this back and can I claim interest for the 5 years as well. The amount I borrowed for the PPI is £92.48. I am quite clued up on claiming back bank charges but have no idea about claiming back PPI

 

Thanks Hils

 

Have a look at this and although it is 2004 you can bet your life the fiddle was in place then before th FSA took over so you could use this as ammunition in your fight to reclaim mis-sold PPI.

 

 

good luck;)

 

aa

 

Alliance & Leicester to pay £7 million fine for PPI failings

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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:) Thank you for answering my question aa, much appreciated. I applied for my loan online and when I tried to complete it I was unable to proceed without ticking the box for PPI. Can I claim interest on my PPI and also do you think an e-mail to the address in the info you posted asking for the return of my PPI will be sufficient?
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Thank you for answering my question aa, much appreciated. I applied for my loan online and when I tried to complete it I was unable to proceed without ticking the box for PPI. This is obviously mis-selling but they will deny that it is. Can I claim interest on my PPI Yes you can claim the interest and also if you go through the Financial Ombudsman Service they will also probably get 8% statutory interest added.and also do you think an e-mail to the address in the info you posted asking for the return of my PPI will be sufficient? IMO I would stick to letters as you can readily keep track through royal mail recorded delivery or special delivery and you can keep copies to send to the FOS with your complaint if you go that route rather than Court.

 

Best to keep copies of all correspondence as numbered items so the pattern is readily understood by the FOS;)

 

aa

  • Haha 1

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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  • 2 weeks later...
:D Ok folks move this post. I have accepted an offer that I received today for all my PPI and the 8% interest, not a lot I know, £118, but that is every penny I paid plus my interest. I cant believe how easy it was. I am going to tackle HFC now, they must owe us a fortune. Thank you CAG and alanalana
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:D Ok folks move this post. I have accepted an offer that I received today for all my PPI and the 8% interest, not a lot I know, £118, but that is every penny I paid plus my interest. I cant believe how easy it was. I am going to tackle HFC now, they must owe us a fortune. Thank you CAG and alanalana

 

Wow, good for you HF,:grin:

 

get your success posted on the success forum for all to see: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 Hils,

 

:grin: Ok folks move this post. I have accepted an offer that I received today for all my PPI and the 8% interest, not a lot I know, £118, but that is every penny I paid plus my interest. I cant believe how easy it was. I am going to tackle HFC now, they must owe us a fortune. Thank you CAG and alanalana

 

**Well Done**:D

A win is a win is a win your own money back where it belongs;)

Please pass the word I will be back to help soon on CAG. Just lost my lovely dad last thursday so not up to being able to do to much at the moment.

Congratulations a success and post in stickies to boost others:)

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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