Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Thanks for this update. Obviously I'm very pleased that your guitar has been delivered and that you don't have to take any further action about this. On the other hand, I'm slightly disappointed because I was hoping that this might be an opportunity to deliver a serious slap against Hermes. Anyway, who knows why it happened like this – but the most important thing is that the item has been delivered and you're not out of pocket – and also probably you have learned a good lesson – don't use Hermes – or Packlink. It's a recipe for trouble.  
    • The assets are allegedly linked to more than $4.5bn stolen from the Malaysian state investment fund. View the full article
    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
    • The US House Speaker said the law was a "brutal, sweeping crackdown" against Hong Kong's people. View the full article
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
Laney65

A&L PPI cliam or no claim?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3037 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I took out a loan with Alliance and Leicester in 2003 and took PPI.

However, I did this completely online, so I was totally unaware of certain things such as being able to obtain PPI from other providers, that it wouldn't cover existing illnesses, or I believ that if my employer at the time paid me full sick pay9 which they would, that they would not pay out.

 

Part way through the loan I started a DMP with CCS who advised me to cancel the PPI as it would not be valid while on the DMP. I attempted to do this but was told I couldn't unless I settle the loan with another without PPI. Obviously on a DMP this was no option at all.

 

Would I have a claim for miss selling I'm at a loss to see how online customers could claim miss selling as there is no telephone contact when taking out the loan.

Share this post


Link to post
Share on other sites

A&L have been writing to lots of customers with PPI offering refunds.

 

yes you have a good case

 

off you go.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hello Laney,

 

I took out a loan with Alliance and Leicester in 2003 and took PPI.

However, I did this completely online, so I was totally unaware of certain things such as being able to obtain PPI from other providers, that it wouldn't cover existing illnesses, or I believ that if my employer at the time paid me full sick pay9 which they would, that they would not pay out.

 

Part way through the loan I started a DMP with CCS who advised me to cancel the PPI as it would not be valid while on the DMP. I attempted to do this but was told I couldn't unless I settle the loan with another without PPI. (this is not quite accurate) Obviously on a DMP this was no option at all.

 

Would I have a claim for miss selling I'm at a loss to see how online customers could claim miss selling as there is no telephone contact when taking out the loan.

 

Can I first ask do you still have copies of the original paperwork?

 

If you do not then you should start by sending a Subject Access request to A&L.

 

Template letters are here...Full SAR for ppi and here...

Data Protection Act 1998 - Subject Access Request

 

When you send the SAR you should specifically ask for these items:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan.

 

Copies of all statements applicable to the loan.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings. (not at the point of sale in your case but since)

 

A copy of the needs and wants/ customer duty of care questionnaire... here is an example. (they will not be able to produce this for an online application so how can the be certain the product (PPI) being sold was suitable?)

 

http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

Copies of any notes made by any staff in their dealings with you.

 

Online banking has so many pitfalls it puts the onus onto you to tick or untick boxes etc and inevitably there is a catch to trip you up.

 

The aim here is get as much information as you can before submitting a claim to them for mis-sold PPI.

 

There are others on this forum claiming against A&L so perhaps you can post and swap notes and get help from others in the same fight with A&L.

 

A & L PPI letter....

 

alliance and leicester ppi

 

Alliance and Leicester PPI Letter

 

You are not alone against A&L

 

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.

 

Share this post


Link to post
Share on other sites

Hi Alana

 

thanks for the reply.

 

The only paperwork I have is the orignal credit agreement and the ppi agreements.

Share this post


Link to post
Share on other sites
Hi Alana

 

thanks for the reply.

 

The only paperwork I have is the orignal credit agreement and the ppi agreements.

 

I would send them a Subject Access Request to ask for all your other data as mentioned above.

 

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.

 

Share this post


Link to post
Share on other sites

I'll make this as short and painless as possible.

 

Took out loan with PPI via internet.

 

I cannot remeber if I had to tick in or out for this when I did so.

At no point was I aware that PPI was available from other sources.

Nowhere in the terms and conditions did it state this either, although there was the usual cooling off period.

There was also no mention on the T&C's that I would not be eligible for payout if my employer paid full sick pay which at that time they would of.

 

Now on a DMP with CCCS who advised me to cancel due to it being no use now I was on reduced payments anyway.

Was told the only way I could do this was to refinance the loan which I was in no position to do so.

 

So my question do I have grounds to reclaim the £1700.00??

 

This was taken out in Dec 2003

Share this post


Link to post
Share on other sites
I'll make this as short and painless as possible.

 

Took out loan with PPI via internet.

 

I cannot remeber if I had to tick in or out for this when I did so.

At no point was I aware that PPI was available from other sources.

Nowhere in the terms and conditions did it state this either, although there was the usual cooling off period.

There was also no mention on the T&C's that I would not be eligible for payout if my employer paid full sick pay which at that time they would of.

 

Now on a DMP with CCCS who advised me to cancel due to it being no use now I was on reduced payments anyway.

Was told the only way I could do this was to refinance the loan which I was in no position to do so.

 

So my question do I have grounds to reclaim the £1700.00??

 

This was taken out in Dec 2003

 

 

Yes even on a DMP you can claim back the PPI if it is cancelled due to a DMP etc. I am in the process of doing that but have just started so can not offer conclusive advice.

 

I would say though that if you had PPI on the original Loan/Credit card/Mortgage etc and you have a case for the PPI being mis-sold then you should surely claim it back. Cancel the expensive PPI policy and get a cheaper one online but you must at all costs ensure you have coverin the eventuallity that you cannot meet the repayments.

 

The aim of the game is to get the data, prepare a claim, submit a claim, take it up a notch to the FOS or Court, wait for weeks or months and then put the money back into your account. The FOS are currently upholding 90% of claims and if you submit a complaint to the FOS it will cost the other party £500 for the FOS to deal with it :eek:

 

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.

 

Share this post


Link to post
Share on other sites

Bit of a long shot this one I think.

 

2003 PPI on loan of 60 months (online application) There were no explanations regarding, other companies products being available, no questions relating to pre existing conditions which may effect cover etc. Also at the time I was entitled to full sick pay from my employer and now believe this would have prevented me from claiming as well.

 

Defaulted on loan and am paying via a DMP with CCCS I was advised to cancel the PPI as it would be void anyway due to DMP reduced payments.

 

I was told by A&L I could not cancel unless I refinanced the loan. Consequently I'm still paying the balance of this useless product and will be for another 5 years.

 

Is this correct? Do I have a case to a claim a refund of payments made?

 

Many thanks.

Share this post


Link to post
Share on other sites

Hi

 

Yes you do have a case. Have a read of No.1 in my signature.

 

Pop along to the fos website and download a copy of their consumer questionnaire and complete it.

 

Do you have copies of the loan statements or a full record of all payments made against the loan?

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

I have the original agreeements thatas all, so I guess I need to them SAR for the payment details and statements?

Share this post


Link to post
Share on other sites
I have the original agreeements thatas all, so I guess I need to them SAR for the payment details and statements?

 

Yes good idea

 

That should also show the payments being made through the dmp

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

3 threads merged

 

why did you abandon the first claim here?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I didn't really abandon due to other things I never started it to be honest. Just recently started thinking about it again.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...