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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
    • Hi, I'm not sure if I'm asking this in the correct forum.   Ill try to be brief   - last October I contacted a h2b company that said I was eligible for up to £200 off every window and door. I agreed to a company to come and quote.   The quote was given, the windows and doors installed. The initial installation was incomplete however the people installing said for them to be paid for their part I needed to sign both a form that said what was left and that they had done their part. This form was actually an agreement to release the funds from the finance company. I disputed this.   Fensa came to inspect my property finding multiple errors (improper sealing) in addition to those I found (chipped and damaged beading, poor finish and damage to an internal door and blind). The company returned to fix the issues Fensa identified.    I compiled a very hefty report and sent to the window company complaints team with pictures showing the faults. They did apologise and have attempted to remedy some of the issue.   I asked for a price breakdown in December to check exactly what each item cost. This was done as I had agreed to have sills in addition to the windows and i received capping boards instead (i didnt need capping boards).   The price breakdown shows no indication of any saving made as promised by the h2b company. When i highlighted this to the window company they said what they had provided was all they were giving me. I complained again and was given an explanation stating that they gave me a different saving that was larger than would have been offered by the h2b company in the first place. This was not indicated to me at point of sale.   Being that it has been a year I am wondering if I should contact the financial ombudsman about this. I feel as though I have been miss old this product and the company has been dishonest and unhelpful.   Any advice would be great.
    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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    • 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.
       
      • 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!
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Ive got a funny feeling.....MBNA PPI


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Hi to you all..I hope some one can advise or guid me through the mine field that is ppi claimimg.I was made redundant in sept 08 and imediatley got a job working for the n.h.s. as a tempery worker and was there till the end of may when the person i was covering for[long term sick leave] returned to his job.I managed to get a job labourering for a builder but i had to join the c.i.s. scheme [tax] and register as self employed which i did.Unfortunately the work tried up and i was finished on the 16 sept 09 and that is where i find myself now.Im claiming on all my credit which im paying ppi insurance on,already i have a funny feeling these snakes are trying to wriggle out of paying out...they dont seem at all sympathetic to my plight and dont seem forthcoming or helpful,two are saying they dont cover temp worker's or the self employed,i was card's in full time when i took these card's out and i have worked as a temp or self employed for over a year since i was made redundant and feel i have done all i can over the last year to stay working and paying these bill's....They want to know the inn's and out's of a duck's arse and im beginng to worry,any advice would be welcome......cheer's mancman16

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Welcome Mancman, you are on the right lines......if they won't pay then it is simply a case of missold...it wasn't worth the paper it was written on !! - did you see this too - Judge quashes woman's £8,000 credit card debt in 'landmark ruling' on mis-selling of payment protection insurance | Mail Online

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Cheer's for those link's 42man i will have a good look,is that the case then?If they wont pay out or put so many obsticles in my way i could claim my payments back?Am i o.k. to post my dealing's and any outcome on here?I feel im out of my depth with all this myther and i think the insurance company's know that and are taking the pee.

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Do spend some time reading round these forums and you will become enlightened.... here's another thread you might find of interest - http://www.consumeractiongroup.co.uk/forum/mbna/215765-mbna-cc-problems.html - just type in MBNA into the search and it comes up with many threads.....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

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

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I'll also move this thread to the PPI forum...where you will see more in the same boat as you...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

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

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi to you all..I hope some one can advise or guid me through the mine field that is ppi claimimg.I was made redundant in sept 08 and imediatley got a job working for the n.h.s. as a tempery worker and was there till the end of may when the person i was covering for[long term sick leave] returned to his job.I managed to get a job labourering for a builder but i had to join the c.i.s. scheme [tax] and register as self employed which i did.Unfortunately the work tried up and i was finished on the 16 sept 09 and that is where i find myself now.Im claiming on all my credit which im paying ppi insurance on,already i have a funny feeling these snakes are trying to wriggle out of paying out...they dont seem at all sympathetic to my plight and dont seem forthcoming or helpful,two are saying they dont cover temp worker's or the self employed,i was card's in full time when i took these card's out and i have worked as a temp or self employed for over a year since i was made redundant and feel i have done all i can over the last year to stay working and paying these bill's....They want to know the inn's and out's of a duck's arse and im beginng to worry,any advice would be welcome......cheer's mancman16

 

You should read the stickies at the top of this forum. There you will see what you will have to do to reclaim any PPI you consider mis-sold.

 

You should take time to read through them all (a mammoth task) but the information is there to enable you to get a successful outcome.

 

PPI - Some Notes for Claimants..

 

Full SAR for ppi

 

Mis-sold PPI? Want your money back? use these links to help

 

any questions just post them up in your thread but please read and absorb the info in all of the links it will help you on your way to reclaiming mis-sold PPI. :)

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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Thank's Alanalana ive been looking all over the site trying to find a simaler example to my misery,im a bit battered by it all to honest,loads to take in....im a numpty with out like this...thank's anyway back to the stickies.p.s. my spullins roobish aswil......:D..later's

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  • 3 weeks later...

Hi all just an update on my situation,ive sent all the relevent forms and proof that the insureres have asked for,but one has all ready refered me to a collection firm.Is this normal?has they have not even processed my claim yet and the firm is already threatening me with charges ? Any tought's you have would be most grateful..

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Hi all just an update on my situation,ive sent all the relevent forms and proof that the insureres have asked for,but one has all ready refered me to a collection firm.Is this normal?has they have not even processed my claim yet and the firm is already threatening me with charges ? Any tought's you have would be most grateful..

 

If you have PPI and you are unable to claim or your claims are refused then the PPI was clearly mis-sold. In this case you should claim mis-selling from MBNA and ask for your money to be refunded. I have already posted the links to look at earlier.

 

If you then get threats of charges write to the Financial Ombudsman Service and submit a complaint for mis-sold PPI. Once you have done this you should point this out to whoever is giving you harrassment and tell them your account is subject to a complaint to the FOS.

 

Your thread title is re MBNA but above in red you state one has already referred you to a collection firm. Are you having trouble with more than one PPI claim ?

 

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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Hi all the mbna card is the the only one as yet that have passed my account over to a collections agency,ive just opened another letter and the t.s.b have also passed my account[ c.card]over to thier collection department.The letter asked me to phone them if i could not make a payment[which i cant]which i have but i could not understand the woman on the phone,i think she wanted me to go through my income and out goings over the phone but to be honest i could'nt understand her at all,i asked her if the call was being recorded and she said yes so i stated for the record that her acent was to strong and that i did'nt understand her,so i asked her to send me her request in the post is that the right thing to do,t.s.b have not yet processes my ppi claim and have passed my account over to thier collections dept,seems a bit daft to me to refer me to thier collection dept when thier insurance should be paying?

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  • 3 weeks later...

Evening all.well today ive just received a letter from st andrews insurance the company that insures my m.b.n.a. abbey c.card.They say that a policy exclusion applies to my particular circumstances....help...:(.Do i try to claim back my p,p,i.? what do i do now?,the vulchers are hovering any advice on how to hold em off would be most helpful...cheer's.

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evening all....ive sent a letter to Abbey/mbna asking them to susspend all interest and charges to my account pending my complaint to thier insurance provider's.ive also sent a letter to St Andrews the insurance company and told that i dissagree with thier decision and that i would like them to reconsider their decision and if they dont i will be forwarding my complaint to the financial ombudsman for consideration. Doe's that sound o.k? Any tip's on dealing with these lot would be most welcome.

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Hi all,ive received a income-asset expenditure form from mbna.....do i fill it in?they have not aknowledged the letter i sent asking them to stop the interest and extra charges they are adding.Ive not heard anything from St Andrews either regarding my rejected unemployment claim.Do i start trying to claim back all the preimiums now?The collections agency[R.M.A] are still pestering me on the phone,i tell them that the case is subject to a dispute and that i'de rather deal with m.b.n.a. direct ,am i within my rights to do that?.......Sorry if i seem a bit thick but im really not use to all this..my brain feels like mush...:sad:

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  • 4 weeks later...

Looking at your thread I would suggest the best option is to submit complaints in each case for mis-selling PPI to the Financial Ombudsman Service and send copies of all the correspondence between all parties. Once you do this then you can tell the Debt Collectors the accounts are in dispute as you a reclaiming PPI from the creditors ie mbna/abbey.

 

At the same time you should send letters to each creditor requesting a full refund of the PPI (But you must have a valid reason to claim mis-selling. As I have already posted earlier in your thread)

 

The other thing is to keep details of all phone calls from any DCA (keep a log of all calls) and insist all communication is written and that you will refuse to acknowledge any debt until the PPI issue is resolved through the Financial Ombudsman Service.

 

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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  • 4 weeks later...

Just updating my position,mbna called me today and said that if i paid them £3.500 they would settle my £11.500 acount,seems a bit weired to me anyone one else had this?By the way i cant get my hand's on that much cash if i could i would'nt be in the position i find my self in today.

I have sent all the extra paper work to their insurance company[st andrews]so they can further consider my rejected ppi claim,am i better firing all the paperwork onto the onbudsman and regiestering my complaint with them now or wait till i get a final letter from abbey and St Andrews??? Thank's in advance for any comments...cheer's :confused:

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Just updating my position,mbna called me today and said that if i paid them £3.500 they would settle my £11.500 acount,seems a bit weired to me anyone one else had this?By the way i cant get my hand's on that much cash if i could i would'nt be in the position i find my self in today.

I have sent all the extra paper work to their insurance company[st andrews]so they can further consider my rejected ppi claim,am i better firing all the paperwork onto the onbudsman and regiestering my complaint with them now or wait till i get a final letter from abbey and St Andrews??? Thank's in advance for any comments...cheer's :confused:

 

Have you complained to the Financial Ombudsman Service yet?

 

If not you should IMO make it a priority but ultimately your choice.:)

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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Hi all,just an update......St Andrews insurance have now accepted my claim and paid m.b.n.a what was due to them.....:-D.Seem's that all the letter writing has paid off...thank you for the advice,i followed it and ive had the result i was after..........:-D:-D:-D...Cheer's

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  • 2 weeks later...
Hi all,just an update......St Andrews insurance have now accepted my claim and paid m.b.n.a what was due to them.....:-D.Seem's that all the letter writing has paid off...thank you for the advice,i followed it and ive had the result i was after..........:-D:-D:-D...Cheer's

 

 

Check your statements I bet you owe more now, as the PPI will not cover payments, MBNA still charge PPI charges every month, not stop until claim PPI finished, St Andrews blame MBNA/ vice versa.

:mad2::-x:jaw::sad:
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