Jump to content
  • Tweets

  • Posts

    • The problem is that each time you have given them notice, you have then continued which effectively nullifies the notice. I agree that you have given them enough notice – but each time the notice is effectively cancelled because you continue not standing by your word. I hope you can start to see that when you state a position and then you move the position, you simply lose credibility and effectively you have to begin again. You need to put everything beyond doubt and so you should send the letter which I've suggested.  If you have some partner or someone who was also getting involved then I think that you had better make sure that you are communicating well with each other and that it is agreed that somebody is taking the lead. Otherwise, the left hand will not know what the right hand is doing and it will only be when you find yourself in court and defending a claim for an administrative fee or a council contract that it then comes back to bite you in the bum – both of your bums.. You must give notice in order to protect your position. Very sorry, but the letter which was sent was reckless. Send a letter which I have suggested giving seven days notice and a 14 day backstop for completing the work. Of course there was always one danger and that is that you could give notice, they then start the work within the notice period – and then it starts to dawdle along and take too long. However, giving them 14 day backstop to actually have the work completed should protect your position. Send the letter now. Also calculate if you are within 120 days of the date that you made the payment on your debit card – and if you did then begin a chargeback with your bank. If it's longer than 120 days then you will be able to do the chargeback and then maybe the best thing to do is to write it off – unless they decide to see you and in that case you can make a counterclaim.     This is all very well, but once again you state a position and then you don't follow it through. How can anyone take you seriously?
    • Lookinforinfo, these are two separate letters for two separate tickets, one 07.02.19 and one 03.08.19.   karel, I've added the post code to the thread title to identify the car park better.  It would be helpful if you could edit the sticky, you don't know when the NTKs arrived as you never received them.   The good news is that these debt collectors have no power so you can sit back, relax and ignore their drivel.   In the long term though you might want to consider sending a SAR to Horizon to find out what they originally sent and maybe work out why you never received it.
    • Just in addition, in the beginning we made it very clear we didn't want the work carried out during Autumn and winter, we have a young child at home and are not prepared to put his health at risk.. Also as we had said, to go beyond the specified dates is not feasible as one of the builders has already returned home and the other one has already stayed longer than planned so to start it now wouldn't be an option.
    • it's not a violation, it's a speculative invoice for breaking some imaginary contract the driver made with ECP by driving onto the land.   Enterprise are breaking contract law by charging you £35 as they did not enter into the contract the £35 is a penalty admin and as such is unlawful .   pers i'd go do a chargeback to your bank. they have no legal right to charge anything. all they are required to do is inform the PPC of the ID of tthe driver...you that does not cost £35!! more like 50p    
    • In connection to the following ?    
  • 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

Claiming PPI from Studio Catalogue


Please note that this topic has not had any new posts for the last 3927 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 everyone,

 

I have an account with Studio which is currently in dispute as they have not provided a proper agreement following a CCA Request.

 

I am in the process of claiming back all the PPI premiums ever paid which is in the region of £1500 without interest. I wrote asking Studio to refund the PPI premiums and all penalty charges, they refunded the penalty charges but are refusing to refund the PPI premiums.

 

What I need to know is should I send them another refund request or ask them to reconsider and if after further consideration the answer is not a positive one then they can consider the letter as a Letter Before Action.

 

Any thoughts

Link to post
Share on other sites
Hi everyone,

 

I have an account with Studio which is currently in dispute as they have not provided a proper agreement following a CCA Request.

 

I am in the process of claiming back all the PPI premiums ever paid which is in the region of £1500 without interest. I wrote asking Studio to refund the PPI premiums and all penalty charges, they refunded the penalty charges but are refusing to refund the PPI premiums. (if you have their refusal in writing you can submit a claim to the Financial Ombudsman Service claiming mis-selling of the PPI) providing you do have a valid claim for mis-selling. Check out the stickies at the top of the forum for reasons PPI was mis-sold here is a link and there is much more info available if you read the stickies......

 

PPI - Some Notes for Claimants.. and this is a longer one with even more links to help you reclaim.

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

 

 

What I need to know is should I send them another refund request or ask them to reconsider and if after further consideration the answer is not a positive one then they can consider the letter as a Letter Before Action.

 

This is your call it would be inappropriate for me to offer advice which you may not be agreeable to.

 

So the choice is yours to:

 

write again asking them to reconsider your claim.

tell them you do not accept their decision on the repayment of PPI and that you intend to take further action through the FOS or Court (again your choice on the preferred route)

 

Any thoughts

 

 

All my thoughts are in blue including links to help you out.

 

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.

 

Link to post
Share on other sites

Thank you alanalana,

 

I will make another request to Studio asking for the ppi premiums but this time i will also be wanting contractual interest(i know you think 8% statuory is the way to go) in-order to make them take the request more seriously as it more than doubles the ppi premiums.

 

If they dont respond then i will take up the FOS solution or look into the court route.

Link to post
Share on other sites
Thank you alanalana,

 

I will make another request to Studio asking for the ppi premiums but this time i will also be wanting contractual interest(i know you think 8% statuory is the way to go) in-order to make them take the request more seriously as it more than doubles the ppi premiums.

 

If they dont respond then i will take up the FOS solution or look into the court route.

 

Good luck, you have made a start on the road to getting your money back.

 

Just post up questions as you go along someone will look in to advise.

 

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.

 

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

Update:

They wont up-hold my claim and the letter they sent had the following paragraph.

We sell insurance on a non-advised basis and therefore only provide customers with clear balanced information to enable them to make an informed choice. On this basis we do not take into account existing insurance that a customer may have in place nor do we make any recommendation on the suitability of the product

[end quote]

 

Oh and they remind me of my rights to refer the matter to the FOS

Anyone have any thoughts.

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

They wont up-hold my claim and the letter they sent had the following paragraph.

We sell insurance on a non-advised basis and therefore only provide customers with clear balanced information to enable them to make an informed choice. On this basis we do not take into account existing insurance that a customer may have in place nor do we make any recommendation on the suitability of the product

[end quote]

 

Oh and they remind me of my rights to refer the matter to the FOS

Anyone have any thoughts.

 

 

I have tried exactly the same with Studio. They refunded the charges but refused to refund the PPI payments quoting the same wording.

 

Any advice on how to proceed would be appreciated.

Link to post
Share on other sites

I asked for the refund of PPI and they sent letter 1 in reply.(in pdf below)

I asked them to reconsider and they sent letter 2 in reply.(in pdf below)

 

I have read on here that they have paid up after receiving a letter before action but would like a bit more input from other caggers regarding this.

studioppi.pdf

Link to post
Share on other sites
I asked for the refund of PPI and they sent letter 1 in reply.(in pdf below)

I asked them to reconsider and they sent letter 2 in reply.(in pdf below)

 

I have read on here that they have paid up after receiving a letter before action but would like a bit more input from other caggers regarding this.

 

The letters that studio are sending appear to be their standard response. Yes, I would like some info regarding sending a letter before action.

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

also like to say i got excellent advice and help from BankFodder re: PPI. Within a couple of days sending letter all PPI dissapeared from my account like it never existed. No explanation/no apologie/no regard to the fact that this may have caused an unfair advantage in there favour. But hey....I havnt finished yet.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...