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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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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.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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      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.
       
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      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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Advice needed - Final Demand


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Hi, as you are aware we are in dispute over two accounts with HSBC. We have been doing fine dealing with them so far.

 

Today we have received a letter re each account from each of the above asking us to make proposals for repayment. We are still making a payment on one of the accounts which gets returned every month.

 

They would like a reply within 14 days, it has taken 6 days for the letters to arrive (dated the same date, arrived the same day).

 

I will write them holding letters putting them off for the time being.

 

Has anyone received these letters and what is the best way to deal with them?

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  • 2 weeks later...

Ok I sent letters to HSBC, DG, & MCS basically telling them I would not be making repayment proposals until they had dealt with my complaints (all listed), explained to me why both accounts were being dealt with differently and by different departments and to treat me like an individual.

 

I have now received letters from MCS stating I have failed to make payment as requested (this was never requested) and they want it within 24 hours or I'll get County Court blah blah, bailiffs, attachment to earnings etc.

 

Also received a letter from DG funnily dated the same date just saying "URGENT please ring within 24 hours".

 

Yet again these letters have taken 8 days to arrive and they want a phone call within 24 hours.

 

Is this getting serious now or do I just write back again????

 

Would really appreciate a response to this one - thanks

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Hi Jimjamer

I had the same letter in the post yesterday (phone us within 24 hours etc).

It seems they're sending these out to everyone with stayed claims whose accounts were held 'in abeyance' before the test case

Edited by megatronman
spelling mistake
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Whatever you do ,don't phone them Jimjamer ... you'll only get hassle of the ear'ole ..... :rolleyes: MCS are notorious for it .....

 

As megatronman says they're sending them out like confetti at the moment and some people will fall for it .... but the position is the same ...if they haven't addressed your complaints they can't take you to court ..

 

I would write back , point out that these defaults have been marked by the CRA since xx xxx xx awaiting investigation.. and that , as the default notice has never been properly served , you would appreciate a copy of any documents which they intend to rely on in court ...

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 month later...

Ok I wrote back to HSBC with copies to the other morons (I think) loosing track now. As usual it took them forever to write back with their blurp of not being responsible etc etc and they don't have to provide us with anything.

 

Received nothing from MCS/DG with regards to their "pay within 24hrs" until last week one from DG saying:

 

"HSBC have now told them to take us to Court to get the money and they have given another 14 days to pay in full. or ring them to make other arrangements (payment plan)".

 

This is on the account which is in Court already.

 

Could someone please advise I need to get something in the post quite sharpish. Have been fighting this for 4 years now :evil::?

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  • 8 months later...

Hi guys this case is still trundling on. We are now receiving letters from Central Debt Recovery Unit, which I know from research on here they are also another part of HSBC. Their letters are terrible and apparently not compliant to FSA rules at all.

 

Over the last few months they have sent us a few offers reducing the amount we owe. Have ignored the first few - stating we are taking advice - we have now received a further offer threatening "if we don't pay by 2.2.11 they will be sending debt collectors to our door"!!!!! Thought they were debt collectors first comes to my mind.

 

My question is - as we have been fighting this for 4 years now do we just make a counter offer for a ridiculous amount or do we just poo poo it again????

 

all advice greatfully received.......

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  • 3 weeks later...

Hi, they've now written to us with a repayment plan of instalments, which is for the full amount without any charges or interest and only £20ish per month. Do we accept this and be done with it or do we keep fighting?

 

Would really appreciate some advice on this.......

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Hi jimjamer,this IS an ongoing saga :)

 

I would say if this case is still stayed in court they shouldn't be asking you for money as it's still "In Dispute" .

 

However , if you think you want to have closure , then you could try a smaller offer ... they'd probably take it . .. but then you'd be admitting you owe it , which you maybe don't want to do ...

 

Have a look again at pete's and my previous posts , see if you can glean any more ideas from them ... personally I can't see them taking you to court if your counterclaim is sitting in there waiting for them ...........

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 month later...

Hi, this has now gone a few steps further and I need your advice yet again. After refusing their offers of instalment plan, they wrote back referring me back to a letter of theirs, which when read by a friend who works for RBS is full of contradictions, mistakes and promises that they haven't dealt with. On her advice I wrote to all that have written to me saying I was now passing my complaint to the FOS.

 

I have now received letters and a trillion phone calls from Moorcroft Debt Recovery - they sound like a nice bunch of people lol

 

Rang the Court today to see the status of my claim to be told that it is still stayed but we can't do anything about it because of the OFT judgement.

 

Any advice greatfully received please on what to do next and how best to deal with Metropolitan?

 

Thanks in advance :-)

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