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    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
    • Hi.   While we're waiting for the experts, can I ask a couple of questions please?   Can you tell us which documents you've returned to the police? I assume you've admitted to being the driver.   Are you saying you were never asked to produce your licence and insurance at a police station? I don't know if it's still called an HORT/1 but that's what I was given when I needed to show documentation.   I've put some numbering into your first post for the various points you've raised.   HB
    • 😮  £ 3551!!!!  she  needed loan for a headstone for her daughter and      a   car as hers  has had it
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Well after several weeks and very little hassle from PTP which suprised me I finaly received an email from Clarity this morning requesting payment.

 

I have asked them to remove the £56 charge that PTP levied on the account before i will deal with them. Once they agree to do this i will hit them with a CCA request.

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Theyve been on the email and fone today after i sent an email stating they had broken thier agreement by phoning my work etc, it was right sarcastic and snotty so i've forwarded it to the financial ombudsman asking if this is how a company should present itself and deal with customers.

 

Tis good winding up the william tracey bloke at PTP, what an idiot :wink:


Shirley :lol:

 

LLoyds TSb- £750 **Won**

Abbey- £1308- Stay

RBS-£2038- now with FOS

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Do you have a copy of their Email minus sensitive info? :)

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Do you have a copy of their Email minus sensitive info? :)

 

I would also like this if anyone can help?

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I sure will as soon as I can :)

 

will be in the next couple of days.

 

PTP havent called or rang since, bless them...:D


Shirley :lol:

 

LLoyds TSb- £750 **Won**

Abbey- £1308- Stay

RBS-£2038- now with FOS

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Hi Guys - I am new! but have had dealings with this company for 12 months with ongoing loans. I can honestly say I have heard everything, untill I slapped them with some information I found on this invaluable forum!!!!! This place is awesome and soo sooo helpfull. Thanks to this place and everyones input about this company I mangaed to fend them off today and now await to hear from Clarity!

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Hi Guys - I am new! but have had dealings with this company for 12 months with ongoing loans. I can honestly say I have heard everything, untill I slapped them with some information I found on this invaluable forum!!!!! This place is awesome and soo sooo helpfull. Thanks to this place and everyones input about this company I mangaed to fend them off today and now await to hear from Clarity!

 

I called the agnet today, who told me i will go no more calls from PTP but will get contacted after 4 weeks from a door-to-ddor collection agency!! I so hope i don't - has everyone's been sent to clarity?

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Hiya Dixxychick,

 

No experience of PTP myself but seems to be pretty consistent theme from those that have (and consistency is rare in this "sector" of the lending industry).

 

Hit them with the letter on here revoking any authority to visit (and have copy of same at ready just in case) template here - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

Consensus seems to be very rarely do folk get visited and when they do either do not confirm who you are or advise them you have asked their client to communicate in writing and will not discuss further (there are various other suggestions involving large dogs and things but should'nt really condone these! ;)). If they do not leave advise you will call the police as they are trespassing (non-emergency number). In what seems to be the relatively unlikely case of their attending and acting contrary to their industry guidelines then it be a complaint.

 

Hope this helps, hang in there :D


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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UPDATE

 

I have finaly received my credit agreement from PTP via Clarity. I am unsure if the agreement is enforceable or not and was wondering if someone with a little more knowledge than myself could take a look for me.

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=12815&d=1253973399

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=12816&d=1253973399

 

I do intend to come to an arrangement with Clarity, but I onlt intend to repay the original £350 that I borrowed and not the broker fee or late payment charge.

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I cancelled my DD last week, 48 hours later got a few emails, 1 phone call and I said I will change my DD, then for the next 4 days got about 3 calls a day on my mobile and about 2 emails a day, ignored them all. Went online to my account and changed all phone numbers but left my email address the same.

 

I've got the same agreement and am going to fight them this month instead of doing without money each month.

 

My salary is going into new bank account, deleted DD on old bank account.

 

Have downloaded templates, modified them and will wait to see what happens next week Friday when I was supposed to pay them.

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I changed my phone numbers on their site ready for when mine will fail next week, does anyone know if they keep your old numbers on file?

 

Thanks

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Unfortunately they do keep a record of any telephone number you change. I tried that before i cancelled my DD.

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Did they constantly ring you work then drob?

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I had changed my job, so PTP could not contact my work.

 

I didn't get too much hassle from telephone calls from PTP to be honest. I think it all depends whom your account is passed to for collection at PTP. My account was passed to a lady called Angela, she rang twice and I refused to answer the security questions and I told her she must contact me by letter or email. I received a few snotty emails before the account was passed to Clarity for collection.

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Ok thanks alot for your help, i will just do the same when they call

:cool:

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Ok thanks alot for your help, i will just do the same when they call

:cool:

 

Yes, refuse to answer PTP security questions and tell them that you will only deal with this matter by letter or email.

 

After a few weeks your account will be passed to Clarity. Clarity will telephone you but i just sent them a telephone harassment letter and they have removed my telephone number and now just write to me.

 

I have told clarity that i will only repay the original loan amount and not the late payment charges or the brokers fees that are charged at an extortionate interest rate. If Clarity want anymore than the original loan amount they can take me to court and explain to the Judge the extortionate late payment charge and the extortionate interest rate.

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Hi

Have just emailed ptp after their email for stopping direct debit.

They replied by asking me to phone them so replied by email for them to refer to previous letter.

hERE STARTS THE MERRY GO ROUND!

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Hi

Have just emailed ptp after their email for stopping direct debit.

They replied by asking me to phone them so replied by email for them to refer to previous letter.

hERE STARTS THE MERRY GO ROUND!

 

 

All depends on whom your account is dealt with a PTP..... Just refuse to answer thier security questions and tell them email / mail only please and then put the phone down.

 

PTP will pass your account to Clarity in around 4-6 weeks time. Clarity are ok to deal with.

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My PTP phone nightmare ended when I emailed them to tell them I will only deal with them in written correspondance. OK I had to send the same email 3 times but that was last Wednesday and havent heard from them since.

Just waiting for clarity to contact us now. It seems PTP will give up contacting you if you are persistant with what you say.

NEVER AGAIN WILL I TAKE A PAYDAY LOAN:)

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Hi

 

I recently defaulted with PTP and they are now harrassing me I have sent them the harrassment letter and they are continuing with the calls ..

 

Can anyone suggest how I can stop the calls..I have asked them to pass this to clarity and they keep saying they wont

 

Help anyone???

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Hi

 

I recently defaulted with PTP and they are now harrassing me I have sent them the harrassment letter and they are continuing with the calls ..

 

Can anyone suggest how I can stop the calls..I have asked them to pass this to clarity and they keep saying they wont

 

Help anyone???

 

When did you default and did you post or email the telephone harrasement letter?

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26th Oct I defaulted and I posted and faxed the harrassment letter.. they have it on file when i log into my account i can access the copy they have on my records!

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Initially PTP will ignore your harassment letter and will continue to call. Refuse to answer their security questions and demand that they contact you be email only.

 

They will pass your account to an account manager within the next couple of days, again refuse to answer any security questions and tell them email only.

 

Once the account manager starts to email and stops phoning you then you can make an offer to repay. Your offer will be refused and despite PTP claiming that they wont pass your account to Clarity, they will!!! Your account will be passed to clarity between 6-8 weeks from your default date.

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Have a look at my other thread

 

Ptp - listen up guys

 

 

thats where im at ..at the moment.. your advise will help!

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Have a look at my other thread

 

 

 

What other thread, can you post a link?

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