Jump to content


  • Tweets

  • Posts

    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   …………..   yes I know thats 3 CCA requests sent but by golly will it make them squirm if they don't reply this time in your defence   
    • Hi,   We had a car at my sisters house on the driveway. It had no tax or MOT. We booked it into the MOT, and began driving to the pre-booked MOT. On the way, it was clear there was something wrong with the car above 40MPH, some knocking sounds and the engine went into limp mode. Half way through the journey, we diverted and drove to our garage instead, and then reported this to the MOT center.    We fixed the problems a week later (at our garage), booked the MOT again, literally drove up the road to make sure the problem was fixed, turned around, went back to the garage before heading back out for the MOT center less than an hour later where it had passed and then drove back to the garage.    We've since received a letter from the DVLA to say we have a £350 fine for having no tax on the vehicle. We don't know if this was from the initial attempt to go to the MOT, or if this was from a camera which happens to be near our garage on the second attempt. We've appealed, sending proof of the MOT's and have not heard anything for a week.    I just want to know if we actually did anything wrong? We didn't stop anywhere else or use the car for any other purpose.    Thanks!
    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
  • Our picks

nikki1982

Advice needed please!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3639 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,

I won a claim for my PPI as it was missold to me, the only problem is that the cheque I received was in my maiden name.

I gave them ample warning for the name change I think.... I changed my name on the 18/11/09 and the cheque is dated 23/11/09, so theoretically speaking the cheque should have had my correct name on it.

I rang them up on Friday to inform them that the name was wrong, and that I couldn't do anything with the cheque.

Was told he would put a request through as priority and should receive the correctly addressed cheque no later than Monday(today).

No cheque arrived.... Rang them again, got put on hold for 10 mins while he tried to see if it had been issued.... was then informed that they had to wait for the first cheque to be cancelled, this could take up to thursday, and then a new one would be issued. Informed him I wasn't very happy. So all in all, I will be waiting another 2 weeks for this money, what with the time it is going to take to wait for the first cheque to be cancelled, then waiting for a new cheque, then the time it takes to clear.

Asked for an explanation, and was put on hold for another 10 mins.... the only answer he could give me was it could have been a system error and the person whom he asked didn't really know.

I threatened to go down to the centre where the cheques are drawn up :wink:.

They are making more interest off this money which should be sat in my account now waiting to clear.

What can I do?

Share this post


Link to post
Share on other sites

who is the refund from?

 

you could always request a BASC payment straight into your account :)


9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

Share this post


Link to post
Share on other sites
Hi,

I won a claim for my PPI as it was missold to me, the only problem is that the cheque I received was in my maiden name.

I gave them ample warning for the name change I think.... I changed my name on the 18/11/09 and the cheque is dated 23/11/09, so theoretically speaking the cheque should have had my correct name on it.

I rang them up on Friday to inform them that the name was wrong, and that I couldn't do anything with the cheque.

Was told he would put a request through as priority and should receive the correctly addressed cheque no later than Monday(today).

No cheque arrived.... Rang them again, got put on hold for 10 mins while he tried to see if it had been issued.... was then informed that they had to wait for the first cheque to be cancelled, this could take up to thursday, and then a new one would be issued. Informed him I wasn't very happy. So all in all, I will be waiting another 2 weeks for this money, what with the time it is going to take to wait for the first cheque to be cancelled, then waiting for a new cheque, then the time it takes to clear.

Asked for an explanation, and was put on hold for another 10 mins.... the only answer he could give me was it could have been a system error and the person whom he asked didn't really know.

I threatened to go down to the centre where the cheques are drawn up :wink:.

They are making more interest off this money which should be sat in my account now waiting to clear.

What can I do?

 

If your PPI repayment included 8% statutory interest, tell them you now require another two weeks at 8% added to the settlement or you will submit another complaint to the Financial Ombudsman Service about their behaviour and the fee from the FOS will be £500 :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.

 

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...