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    • Hi all,   I would like to thank you all for your help so far on this matter. I have been reading some relevant thread on here as rightly suggested to get myself up to speed.   One thing is certainly clear, and that is NO to mediation. I have got to put the form N180 in the post first class tomorrow money to meet Monday's deadline. I haven't really found a clear answer to one or two things: 1) Can i change the hearing venue to my preferred county court? 2) What's my reason for considering the case not suitable for the small claims tack and what alternative?   I'm really sorry to be a nuisance but this has got to be posted tomorrow morning and i'm running out of time.   I am really counting on your advise please
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    • Hi caggers,  OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that).   They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900.   I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold.   They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs.   They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request.   Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure.   Thanks PM
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Hi there I'm new to the forums, so plese forgive me if I ramble on a tad.

 

I have a credit card and a personal loan with two different companies, each of which is covered by a PPI agreement issued by St Andrews Insurance. About twelve months ago I was made redundant when the business I was a director of closed down. I claimed under my PPI and was amazed to be told that under the terms of my PPI, I was not elligable for cover on either of my policies. I challenged this decision with the insurance company unsuccessfully and so complained to the financial ombudsman, who eventually decided in my favour. I have not yet received any correspondence from the insurance company to this effect, but expect to do so in the near future. My problem is that I was unable to maintain payments on my accounts (I had, I thought taken the responsible course of action in taking out cover in the first place) and as such, each account went into default, despite my explaining that I was awaiting a decision by the Finance Ombudsman, and has as far as I am aware been sold on to a debt collection agency.

 

Now, I am confident that each debt will be settled just as soon as the insurance company pays out on my policies, but of course my credit rating is now destroyed. My question is: is there any way I can get these defaults and any other negative comments removed from my credit history, and not just marked as settled when the outstanding amount is paid? I do not feel it is fair that my reputation should suffer as a result of a poor decision made by an insurance company.

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It looks like the PPI issue has been addressed by the FOS and result from the insurance company pending. On the subject of defaults and credit ratings please see these forums...

 

Debt Collection Industry

 

Legal Issues

 

If you believe you can get more help in one of these threads having browsed them just shout and I will move your thread.

 

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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Great news - I just got a letter from the Financial Ombudsman who has found in my favour, instructing St Andrews to pay all monnies due +8%. He has also instructed St Andrews to work on my behalf to have any default notices etc. removed from my credit record.:)

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Great news - I just got a letter from the Financial Ombudsman who has found in my favour, instructing St Andrews to pay all monnies due +8%. He has also instructed St Andrews to work on my behalf to have any default notices etc. removed from my credit record.:-)

 

WELL DONE.:D

 

Please post in the PPI successes thread in the stickies at the top of the page when the money is in the wallet.

 

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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