Jump to content
  • Tweets

  • Posts

    • well you could go down the covid route and ask for a payment break etc etc but thats really only delaying the inevitable. but if you did that would only p'haps be worthy to lloyds when ws this A/C opened and has the allowed OD amount slowly crept up when they've given more and more to you?   as for everything else..you seem to have my ideas correct.   i've moved your thread to the debt self help forum. there are numerous like threads here to read.   dx      
    • Hi Consumer Action Group,   First time posting here because I don't know where else to go.   I've cancelled my gym membership with gym in February 2020 because of Coronavirus and my financial situation. This is done within my terms in contract, gave them 1 month notice in writing and everything went smoothly with the gym. They told me from their side it's cancelled and I didn't hear from them since then. They told me (face to face and on email) to contact DFC - Debit Finance Collection plc., company who collects debits for them to cancel my debit collection contract with them. I contacted them and explained situation (on the phone and via email). Everything was sorted and I got confirmation that debit collection is cancelled.   Recently I got the email that I'm due a payment for a September for gym that I haven't attended from February 2020. Then they sent an email that they couldn't take a payment. That's because I removed that debit payment from my bank account. I called them again to cancel that, that I won't pay anything because my contract is already cancelled but they told me that my gym membership is still running and that I need to pay termination fee. They are now contacting me with emails and SMS to pay the amount for September and extra charge of £15 for missing a payment within 7 days.    Weird thing is, DFC never contacted me for any payments from March to August and they now asking for monthly payment.   Reading other threads on this forum on Gym and Health Clubs membership cancellation and issue with DD, I get the feeling that I should just ignore them.  Can you help/confirm what are my next steps, should I just keep ignoring them? I'm getting angry with DFC because they don't want remove my details. I asked them to cancel and remove everything because of GDPR.   Thank you for reading my case.
    • Thanks - thread titled amended to show this.   UKCPS certainly confused me with their non-address.  The thickos haven't clearly shown where you parked which is in your favour.
    • Just to fully understand. : I should stop paying : HSBC credit card and Overdraft Ask for CCA from cabot   How about very recent LLOYDS overdraft debt.  Just got the letter today stating that they defaulted this account and collection depart. will contact soon to arrange repayments.   I guess I just need to wait to see what they will come up with.    But before any of that I should write to all creditors to inform them that I will stop paying them? Due to my bad financial situation?    I know I'm asking a lot but appreciate your help Sir.  E. 
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 4063 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

Hi all,

 

Just joined this forum and was hoping for some advice.

 

We took out a personal loan for £10,000 over 10 years with Paragon on Oct 2001 and paid it off in Jan 2007. Our settlement figure was £8100 and change.

 

After reading about front loaded PPI loans it pretty much looks like that is what we were sold. My question is even if the loan is paid off can we still claim back our PPI because of misselling.

 

Thanks

 

Kevin

Link to post
Share on other sites

Hiya Mac,

 

Firstly sorry youhave not had a reply yet.

 

Now Paragon are renowned for mis-selling PPI so the chances are yes but firstly check the notes for claimants in the stickys top of this forum.

 

The fact it is paid up makes no difference at all if fact it makes the whole process easier for you as the entire amount will have to be returned.

 

Have a read of the stickys first then post back if you need anymore help.

 

Regards

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Link to post
Share on other sites

Hi all,

 

Got back my SAR today, very big disappointment. Most of it is just rubbish, nothing to do with my loan.

 

But some of it is very interesting. Didn't realise that when we paid off our loan Paragon added "Future Interest" then deducted "Interset Refund".

 

Loan Balance = £7334.30

Future Interest = £2958.90

Interest Refund = £2143.14

 

Settlement Figure = £8150.06o

I dont know how they can charge future interest maybe someone here can explain this to me.

 

Also they have not sent any telephone conversations or transcripts. There is no mention of PPI except in the copy of the agreement.

 

What should I do now. Should I claim back my PPI or get in touch with the freedom of information people and complain that my data is incomplete.

 

Mac

Link to post
Share on other sites

Have written a responce to Paragon was hoping someone could give it a quick look and tell me if it is ok.

 

Dear xxxxxx,

 

Account Number xxxxxxxxx

 

Thank you for the letter dated 18 August 2009 and the information relating to our System Access Request.

 

Unfortunately the information seems to be incomplete. I specifically requested copies of all loan documents and PPI documents. I am sure there has to be an “application for a loan” form and also some kind of form to ascertain whether PPI is needed by the borrower. I would also assume that Paragon would have to satisfy themselves that the loan could be paid back and that it was affordable. I believe Paragon, if following sound lending practise, would have quite a number of forms relating to our application. Also no telephone conversations were included. Please forward all call recordings as specified in the DATA PROTECTION ACT 1998.

 

We ask that you reply with the relevant information in the remaining time left from the initial System Access Request dated 09/08/2009.

 

We request that you provide all the information requested above, even though you may consider that it falls outside Data Protection.

 

 

On another subject, I would very much appreciate an explanation for the sum of £2958.90 added to our balance and the sum of £2143.14 deducted from our balance on 05/02/2007, the same day that the loan was settled.

 

As far as I can understand Paragon added “Future Interest” to our settlement figure and then gave an “Interest Rebate”. I find it hard to understand how we could be charged interest on payments we had not, and were never going to make, after we had settled the loan. Also an explanation of the difference in Paragons favour of £815.76.

 

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

 

Yours sincerely

 

 

 

 

Any comments very gratefully appreciated.

Link to post
Share on other sites

Dear xxxxxx,

 

Account Number xxxxxxxxx

 

Thank you for the letter dated 18 August 2009 and the information relating to our System Subject Access Request.

 

Unfortunately the information seems to be incomplete. I specifically requested copies of all loan documents and PPI documents. I am sure there has to be an “application for a loan” form and also some kind of form to ascertain whether PPI is needed by the borrower. I would also assume that Paragon would have to satisfy themselves that the loan could be paid back and that it was affordable. I believe Paragon, if following sound lending practise, would have quite a number of forms relating to our application. Also no telephone conversations were included. Please forward all call recordings as specified in the DATA PROTECTION ACT 1998.

 

We ask that you reply with the relevant information in the remaining time left from the initial System Subject Access Request dated 09/08/2009.

 

We request that you provide all the information requested above including copies of all comms logs, even though you may consider that it falls outside Data Protection.

 

 

On another subject, I would very much appreciate an explanation for the sum of £2958.90 added to our balance and the sum of £2143.14 deducted from our balance on 05/02/2007, the same day that the loan was settled.

 

As far as I can understand Paragon added “Future Interest” to our settlement figure and then gave an “Interest Rebate”. I find it hard to understand how we could be charged Future interest on payments we had not, and were never going to make, after we had settled the loan. Also an explanation of the difference in Paragons favour of £815.76.

 

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

 

Yours sincerely

 

There you go just a few amendments change the red items to black and delete the blue items other than that fine post away.

 

Regards

 

PF

  • Haha 1

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Link to post
Share on other sites

Cheers PF

 

I always like a second opinion when it comes to these kind of things. But it looks as if I am going to be writing a lot of letters if some of the threads here are anything to go by.

 

Thanks again

 

Mac

Link to post
Share on other sites

Your Welcome. ;)

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Link to post
Share on other sites
  • 3 weeks later...

Hi all,

Thought I would post an update and ask for a little more help.

 

I sent for my SAR and recieved lots of paper but nothing to do with PPI Only mention of PPI is on the CA with Paragon. Wrote back claiming misselling and they refuted this in a letter claiming loans.co.uk are the ones I should write to.

Wrote back to them pointing out that the CA was with Paragon, and I could only claim on my PPI through Paragon because I never recieved anything to do with PPI. I have to this day no idea who the PPI was with if not Paragon.

 

Any thoughts re my next letter or should I just go to the FOS now and start the process.

 

This is a quote from there last letter -

 

"Whilst your loan was taken out with Paragon Personal Finance, we were not responsible for selling a payment protection policy to you. As previously advised, Loans.co.uk was responsible for the sale of the payment protection policy. They submitted the credit agreement you had signed to Paragon and we then processed your loan application in good faith."

 

Is this "good faith" defence re PPI misselling legit and should I now chase Loans.co.uk for the misselling.

 

Any help greatly appreciated

 

Mac

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...