Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Beneficial Finance - PPI and Personal Accident Plan **WON**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5388 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Afternoon, firstly thanks for this wonderful site. Its given me the confidence to ask some serious questions of the lenders I have dealt with and has made me determined to try and claim back some of the money I feel I was 'conned' out of.

 

A few years ago I was very naive when it came to money and lending. Without really thinking I entered into a loan agreement with Beneficial Finance who really took me for a ride. The interest they charged was absolutely criminal, but on top of that the PPI and a personal accident plan were added which came to £893.88.

 

I have a Personal Loan Agreement which shows Life and ASU. Life being £180, ASU being £407 and with interest of £305.89. There are two boxes which should be ticked but instead the Life box has an 's' in it and the ASU a 'y'. When i took out the loan this was explained to me as being part and parcel of the loan and something I had to enter into. I did not to my recollection tick any boxes and I fully believe this was pressed upon me without my understanding. It is only really with the Media coverage that I have understood that this may now be deemed illegal and I may be able to recover these fees?

 

Can anyone advise if I would have a case and what my best course of action should be in the first instance? I have drafted up, using templates, a letter to them requesting a full repayment, is this wise as a starter?

 

Thanks again for your time

 

Saferidges

Link to post
Share on other sites

Hello saferidges,

 

 

Afternoon, firstly thanks for this wonderful site. Its given me the confidence to ask some serious questions of the lenders I have dealt with and has made me determined to try and claim back some of the money I feel I was 'conned' out of.

 

A few years ago I was very naive when it came to money and lending. Without really thinking I entered into a loan agreement with Beneficial Finance who really took me for a ride. The interest they charged was absolutely criminal, but on top of that the PPI and a personal accident plan were added which came to £893.88.

 

I have a Personal Loan Agreement which shows Life and ASU. Life being £180, ASU being £407 and with interest of £305.89. There are two boxes which should be ticked but instead the Life box has an 's' in it and the ASU a 'y'. When i took out the loan this was explained to me as being part and parcel of the loan and something I had to enter into. I did not to my recollection tick any boxes and I fully believe this was pressed upon me without my understanding. It is only really with the Media coverage that I have understood that this may now be deemed illegal and I may be able to recover these fees?

 

Can anyone advise if I would have a case and what my best course of action should be in the first instance? I have drafted up, using templates, a letter to them requesting a full repayment, is this wise as a starter?

 

Thanks again for your time

 

Saferidges

 

If you are happy you have all the data you need and a valid reason to submit a claim for mis-selling then you should go for it.

 

I would advise you firstly to read through the stickies at the top of the forum there is a lot of information there which could be of benefit and help you along the way.

 

Better prepared before action.

 

PPI - Some Notes for Claimants..

 

Full SAR for ppi

 

and this one with tons of info some relevant to claiming and some general interest....

 

links

 

Do not be daunted by the amount of links pick out those you think will help link in and save those that could be of use to your favourites.

 

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.

 

Link to post
Share on other sites

  • 2 weeks later...

Got a letter from HFC on Saturday informing me that they will be paying me the full premium with interest paid. In addition to this they offered the 8% on top of this which I would be due should this have gone to court. Have to say I am extremely surprised at how quickly this has been resolved, but I'm delighted at the outcome. Its taken under a week for it to get to this stage which i thought was unheard of.

 

Thanks again for your advice and guidance. Using the templates from the site has, I think, benefitted me greatly. Once i get the money i'll be making a donation.

Link to post
Share on other sites

Be my pleasure to re-title your thread with a **WON**

 

watch this space :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.

 

Link to post
Share on other sites

urm.well done

 

so hfc are coughing up again.

 

i think i'll write them a letter just to bump my topped up loan which goes back to the 1990's that they said is statute barred.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I have a complaint with the FOS regarding my ppi with beneficial, is it worth my while writing to them to see if they will back down or do i need to wait for the FOS now the complaints with them? To be fair it's been with them 15 months now and i'm getting a little fed up of waiting..

Saferiges, do you have a template of the letter you sent to them?

Link to post
Share on other sites

Hi, i used the following as the text for my letter

 

#################################################

 

I purchased Payment Protection and Personal Accident Cover on the above policy from you in November 2004 but now believe that I was mis-sold this policy for the following reasons;

 

This is due to the fact that I was not given the correct information when the policy was sold to me, as

·Your salesperson implied that taking out the policy would assist my credit application.

·Your salesperson was very pushy in selling me the policy so that I felt I could not say no.

·Your salesperson did not tell me that the policy was optional and I have since realised that I have alternative insurance cover.

·Your salesperson did not give me full information on what the policy would and would not cover

·I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

 

Additionally, due to the fact that you have been fined by the FSA for failing to treat your customers fairly when selling Payment Protection Insurance and I do not believe that my policy was sold in my best interests.

 

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to the premium paid.

 

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

 

Yours faithfully,

 

 

###############################################################

 

 

Hope this helps

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...