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Beachy v Barclaycard/Mercers take 2


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An advance on clay tablets then:grin:

 

I meant for me:p

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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Actually, got upgraded from slate to ink well & quill but found the girl in front of me's pony tail better :cool:

 

Remember the ink well well porcelain removable in a little sunken hole in the desktop. Removable meant it could actually be thrown, or catapulted on the end of a ruler:eek:

 

So I have heard:D

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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Latest update to my ongoing conflict with BC/Mercers is that I received a letter from P2C as they have been 'instructed' by their client - Mercers - to visit me at my home to discuss my account as mercers have lost contact with me (don't think so ! They've been told writing only - I've written to Mercers several times, not my fault they ignore everything).

 

Anyway, fired off a strongly worded fax to Mercers and as P2C intentionally leave telephone/fax numbers off their letters (I say intentionally because they only give 72 hours so it's impossible to contact them in time) I remember seeing an email addy for them on the forum so P2C got a strongly worded email as well, glad BC got a final letter from me yesterday under CPR 31.16.

 

Beachy

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Latest update to my ongoing conflict with BC/Mercers is that I received a letter from P2C as they have been 'instructed' by their client - Mercers - to visit me at my home to discuss my account as mercers have lost contact with me (don't think so ! They've been told writing only - I've written to Mercers several times, not my fault they ignore everything).

 

Anyway, fired off a strongly worded fax to Mercers and as P2C intentionally leave telephone/fax numbers off their letters (I say intentionally because they only give 72 hours so it's impossible to contact them in time) I remember seeing an email addy for them on the forum so P2C got a strongly worded email as well, glad BC got a final letter from me yesterday under CPR 31.16.

 

Beachy

Hi Beachy!

Not another one!:rolleyes:Mercers do love sending nice visiters!Perhaps they wil send you a nice blonde like AA99 got!I also got a default Notice from Mercers! I did not bother sending them a letter at all ! as i had already sent a letter to Barclayshark 1234 pavillion way saying what they sent me in response to a cca request is not compliant.though i did send a copy of that letter to scotcall when they set them on me .I thought not to bother with sending anything to mercers but as Emme seem to think it a good thing to do perhaps i ought to send Mercers a letter saying that Barclaycard not complied with request properly!.I suppose we all have to play charades and humour Barclayshark that Mercers is another different more frightening different DCA! LOL:rolleyes:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Morning SF,

 

If they do then we'll have to meet in secret - OH is always home :eek:

 

Long Blonde hair (female obviously), 20-25 yrs., high heels mmmmmm bit a PVC wouldn't go amiss ..........

 

STOP IT BEACHY - IT'S SUNDAY MORNING FOR GOODNESS SAKE!

 

Now where's my blood pressure tablets? :D

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Morning SF,

 

If they do then we'll have to meet in secret - OH is always home :eek:

 

Long Blonde hair (female obviously), 20-25 yrs., high heels mmmmmm bit a PVC wouldn't go amiss ..........

 

STOP IT BEACHY - IT'S SUNDAY MORNING FOR GOODNESS SAKE!

 

Now where's my blood pressure tablets? :D

 

I'm ashamed to admit... that sight might just make me open the door:razz:

 

S.

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Morning SF,

 

If they do then we'll have to meet in secret - OH is always home :eek:

 

Long Blonde hair (female obviously), 20-25 yrs., high heels mmmmmm bit a PVC wouldn't go amiss ..........

 

STOP IT BEACHY - IT'S SUNDAY MORNING FOR GOODNESS SAKE!

 

Now where's my blood pressure tablets? :D

LOL!:D!:D:DWatch out Beachy!She might persuade you to part with all your wordly goods!:eek::eek::eek: and get you to agree not to give mercers any more trouble!:-o

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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:D

 

Gotta behave now - OH is in the room !

 

Tee hee - first words were ' have you taken your BP tablets yet?'

LOL!:DActually Beachy well done! You just reminded me that i should have taken my BP tablets!:)I am not vey good with tablets:-o

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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LOL!:DActually Beachy well done! You just reminded me that i should have taken my BP tablets!:)I am not vey good with tablets:-o

 

See - another benefit of being a CAG member :)

 

Last time I got my repeat prescription the Doc said 'never mind Beachy - just a few more months & you won't be charged for prescriptions - (WELL THANKS FOR REMINDING ME OF MY AGE !) :(

 

Felt like saying shhhhhh don't tell the dcas or they'll want the money I'll be saving! :-x

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See - another benefit of being a CAG member :)

 

Last time I got my repeat prescription the Doc said 'never mind Beachy - just a few more months & you won't be charged for prescriptions - (WELL THANKS FOR REMINDING ME OF MY AGE !) :(

 

Felt like saying shhhhhh don't tell the dcas or they'll want the money I'll be saving! :-x

LOL!That was nice of your Doctor to remind you! that you soon will be eligble for three prescriptions.Doctors are so tactful arnt they!My doctor made me feeel good too!My weight had gone down a bit which i was quite proud and pleased with! The lovely doc said it was great my weight was going right direction but that i still had a long way to go!:shock:I thought thanks doc for reminding me that i had a long way to go ! berfore that i had been feeling quite pleased with myself! LOL ps Thanks again for reminding me to take blood pressure tablets this morning reading your post just reminded me again! to take them this morning!:)Yes Beachy keep quiet about free precriptions or the DCAs will be after the money you save on that:-o

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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:D

 

I'm normally welcomed by my Doctor with 'theres alittle more of Mr Beachy then there should be' - gee thanks doc!

Same here Beachy! Doctors! They always find something to nag us about! When i used the excuse to my doctor that i had not taken blood pressure tablets for several months because i had had trouble finding money for the prescriptions ! She told me that instead of enoying a few glasses of wine each week ! I ought to spend the money i spend on wine on a prepayment certificate for my blood pressure tablets! :shock:eeeeeeeeek What a choice wine or blood pressuere tablets!A few glasses of wine keep me sane!

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Same here Beachy! Doctors! They always find something to nag us about! When i used the excuse to my doctor that i had not taken blood pressure tablets for several months because i had had trouble finding moeny for the prescriptions ! She told me that nstead of enoying a few glasses of wine each week ! I ought to spend the money i spend on wine on a prepayment certificate for my blood pressure tablets! :shock:eeeeeeeeek What a choice wine or blood pressuere tablets!A few glasses of wine keep me sane!

 

 

 

I'LL DRINK TO THAT ! :cool:

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LOL! Still now im standing up to some of these these banks ! at least i can usually find some money to get my prescriptions now,Another thing to thank CAG for

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Deeply saddened by Pompeys loss.

 

I fully understand that he wont be able to assist me as he is going to be busy supporting his Mum, Sister with their grieving & making arrangements.

 

Could I please ask if there is a simple contractual calculator for working out monthly ppi payments made.

 

I've sent hours looking thro' the various ppi threads today but cant find one to use - c/card monthly ppi payments.

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Hello beachy,

 

So it was YOU ! ! !

 

Have admit guilty on occassions ;)

 

you might find something in here.

 

Interest calculation spreadsheets

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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Ohhhhhh dear,

 

Sorting out paperwork today, went to file the P2C letter (no ones knocked on the door YET) and I'd take another read - missed it when it arrived - the letter has my name & address on it (well it would've coz it came through our letterbox) but it had some elses account number.

 

Beachy

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Ohhhhhh dear,

 

Sorting out paperwork today, went to file the P2C letter (no ones knocked on the door YET) and I'd take another read - missed it when it arrived - the letter has my name & address on it (well it would've coz it came through our letterbox) but it had some elses account number.

 

Beachy

LOL!How organised of them!i think i saw a thread where Barclayshark had sent someone elses info to wrong person! ! Sounds like them!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Obviously P2C didn't like my letter as I got a nice red card from Mercers telling me that as they cant contact me by phone (too bl**y they can't!) they will be calling on the */* between 8am & 8pm.

 

I take it that mercers is just one person coz it states on the card 'I will be calling......'

 

They've already had the do not visit this 'englishmans castle' letter, any further advice peeps?

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Obviously P2C didn't like my letter as I got a nice red card from Mercers telling me that as they cant contact me by phone (too bl**y they can't!) they will be calling on the */* between 8am & 8pm.

 

I take it that mercers is just one person coz it states on the card 'I will be calling......'

 

They've already had the do not visit this 'englishmans castle' letter, any further advice peeps?

 

..

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I will be surprised if someone calls. But get the Bourbons and a letter saying "sling your hook" printed off, just in case.:)

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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