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    • Given the evidence you have provided it should hopefully be a formality, the WS is ready to go and their case is torpedoed below the waterline.
    • Hey sorry that I am a bit late to the party but to look into your issues, could you explain in a bit more detail what happened? I did not know that either before you mentioned it, but it seems indeed that Booking.com holidays are just a mirror site for lastminute.com and therefore the exact same thing... Good to know because Last minute is an awful OTA. It actually doesn't seem to be a big secret. If you click the link below (which is the main link from booking.com home page, and has lastminute written in it!) you will see the slogan "Booking.com Powered by Last minute" on 3 separate areas at least within the same page! Just a moment... BOOKING-DP.LASTMINUTE.COM Anyway, do let us know what exactly happened and we can try and see who you should be claiming from.
    • post re submitted  we are quite secure with that. it's ok to it here  you need to formerly WRITE to BMW AND to the finance co. (who is?) and REJECT the car under your short term right to reject. 100's of threads here on Big Motoring World, and they scammed you out of a useless warranty too, you dont need it ever, CRA covers you for FREE. dx  
    • Hey there, as the plane went tech you are entitled to the £520 x2 compensation under EC261. This is a clear cut case. Just claim straight with Virgin. However you are not entitled to a full refund, since you were eventually flown to the final destination; of course that second flight should have been totally free of charge; if not you must bill Virgin for it. Your mum+sis are also entitled to full reimbursment of taxis to and from the hotel, as well as meals+refreshments that they had for the entire duration of the unexpected stop, including both at the hotel and airport. (Just stay reasonable: no claiming for 49 pina coladas at the beach bar) Was their luggage returned to them during the unexpected stop? If not they may also claim for any toiletries and clothing that they had to purchase during the night stop. I understand the hotel has already been paid for, just don't forget the rest. Hopefully they have kept the receipts. Otherwise bank statements should do the trick. You need to claim for this in addition of the £1040 Other than the above there is no statutory compensation due for missing out on 1.5days of holiday. You could however talk to someone at customer service and make a polite request to extend your stay by another couple days and see if they will do it for you free of charge (providing they have space). Or if not, you could possibly get some token gesture of money back or voucher off your next holiday. It's worth trying. That you paid £700 for a name change is unfortunate but it's completely unrelated to the situation at hand. Above all I hope they don't worry too much about this mishap, and make the most of their holiday. Compensation is practically guaranteedwhen they are back. Just tell them to save all receipts they have and don't worry about the rest until they're back!
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Is my PPI too old to claim


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After my first post I have decided to go for the claim on my own. I have no paper work (from egg) and I am now a bit concerned that the PPI was added before 2001. If this is the case can i still make a claim? The reason for my claim is many fold, I had a condition at that time where i was taking Prozak, I was self employed and I was told I had to have PPI. Your help is gratefully recieved

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these is no time limit

re:limitations act 32c

'when you became aware'

 

your only issue might be paperwork, if you have not got the statements

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks px, i telephoned one of the claims comany's and they said that if the ppi was added before 2001 i would not have a claim.

I am a bit worried but going to go for it. Iam as close to the end of a rope as my tether. I think i paid about £4k and I am really struggling

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oh nasty claims companies

rip off!!

 

do it yourself soo much cheaper

and with realtime free help!!

 

the best thing i can say to you

is read some threads

then read some more threads

then read again.................:D

 

there are lots of stickys on this groups homepage

notes for claimants is one

 

take your time there is NO RUSH

 

if you've not got all the statements

i'd fire off the PPI SAR you'll see listed.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, and I apologise for stating the wrong name. I really am going for it. I wish I could navigate the site better but I'll get used to it i'm sure.

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well scroll right up the top

and look for the ble underlined

Payment protection insurance [PPI] bit

click that

and thats our homepage

scroll down a page or two

and you'll see the stickys

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx, it seems that claiming from egg has been easier since their big fine sometime ago. I will write for the access request today, sadly I haven't got a cheque book, hopefully i can pay on my debit card?

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no send a blank PO

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no blank

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, one or two last things, i have downloaded a letter template for the SAR. Should I ask for everything or should i only request the payments made for PPI? Is there a preffered letter template? there seems to be a few around.

 

Once again I am grateful for your help

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see previous post in this thread line. I asked the same as I was told by one of the 25% comany's that I wouldn't have a claim if my ppi was added before 2004. 'dx' tells me there is no timescale.

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see previous post in this thread line. I asked the same as I was told by one of the 25% comany's that I wouldn't have a claim if my ppi was added before 2004. 'dx' tells me there is no timescale.

 

 

 

 

 

 

 

 

 

Are we talking about a claim for mis-selling or a claim on the insurance ?

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Just to confirm what dx stated - its six years from thedate you became aware of misselling.

 

If its a loan ppi, Egg pay out quite quickly (I only stated my self employment), if its a card then they tend to dig their heels in a bit more.

 

Even tho' they paid out on a loan account very quickly when I started a claim against an Eggy card they refused point blank.

 

I had to go to the FOS, who upheld my complaint and told egg to cough up, this is where you need to be aware of Egg tactics.

 

1) They only paid out premiums + 8% simple interest and stated that they cannot refund more than six years (my card opened 2001 & closed 2006 - they calculated back six years from March 2010).

 

2) After reminding them of the Limitations Act (as dx quoted) they very quickly refunded the balance of the premiums only & apologised stating they misunderstood the FOS directive.

 

3) Blatantly refusing to refund the contract compound interest (about £1,500) stating that I signed the FOS acceptance form for what they refunded, total rubbish! you have to sign the FOS acceptance form before the FOS instruct the bank/credit to cough up.

 

Where am I at the moment - Stalemate, complaint back with the FOS regarding interest - case handler cant believe EGG refuse to refund the interest, I have to supply FOS with all statements so they can doublr check my figures :? If necessary it WILL go to court.

 

FOR WARNED IS FOR ARMED ;)

 

Beachy

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Thanks

This claim is for PPI on credit card and I have several reasons for believing it was mis sold (health, self employed and told i had to have it when i requested a higher credit limit)

To be honest I am in fanancial difficulty and although I want everything I am entitled to just the payments back for now would help 10 fold. I had aquick calc last night and believe its about £6.5k for payments without interest. As you know egg do not supply paper statements unless requested while the account is active. They expect you to use the internet. I need to get the SAR off today. How long do you think it could take without the bun fight regarding interest. Or is that like asking a china mans height?

Any way thanks soooo much for your time and help

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Thanks

This claim is for PPI on credit card and I have several reasons for believing it was mis sold (health, self employed and told i had to have it when i requested a higher credit limit)

To be honest I am in fanancial difficulty and although I want everything I am entitled to just the payments back for now would help 10 fold. I had aquick calc last night and believe its about £6.5k for payments without interest. As you know egg do not supply paper statements unless requested while the account is active. They expect you to use the internet. I need to get the SAR off today. How long do you think it could take without the bun fight regarding interest. Or is that like asking a china mans height?

Any way thanks soooo much for your time and help

 

 

They rejected my claim against an eggy card very quickly, I think it was within 10 days & stated it was their final response so I went straight to the FOS, from there it only took about three months - however as I stated earlier they point blank refuse to refund compound interest.

 

If they offer you anything you can always inform them that you accept it in 'Part Settlement', but wait for their cheque to clear before telling them that. ;)

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use the sar template in the sticky's in this forum.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks. The template you attached is the one that I am using already. So just to confrm that i do not need to mention Mis Sold PPI at this stage? This template only states disproportionate penalties and charges and my need for the SAR is to calcualte my payment total in PPI

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no

sorry that one is ok

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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