Jump to content
  • Tweets

  • Posts

    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
scottishbyrd

Reclaiming PPI from Norton/Endeavour

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3105 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 guys,

I'm a newbie to the forum, so hope that I am posting in the rite place. Read lots and lots of posts and decided to take the bull by the horns and try to reclaim PPI from a loan that my husband and I took out from Norton finance in APril 2004, the ppi was worth around £1880. I sent the letter ( used a template from a post on here on 13 july 2010) and recieved a reply on 17 july 2010 which was:

Dear Mr & Mrs

Re: Complaint regarding PayMent Protection Insurance

We thank you for your recent correspondence dated 13 july 2010 received in this office today 16 july 2010 in respect of the above.

We would advise that the only loan we can trace for you is a loan that you took out in April 2004. Therefore because the sale took place in April 2004 and we have received the complaint/claim more than six years after the sale, the complaint/claim is outside the time limits for referral to the Financial Ombudsman Service.

We may therefore regect the complaint/claim without considering its mertis in accordance with the DISP 1.6.2 R of the FSA rules and the Limitation act 1980.

Furthermore at the time of the sale Norton Finance UK Limited were not regulated by the Financial Services Authority as an insurance intermediary and was not a member of the General Insurance Standards Council. Therefore the Financial Ombudsman Service May not consider your complaint/claim as it would fall outside their jurisdiction. However the ombudsmand may waive the time limits in exceptional circumstances.

I appreciate this may not be the response you wanted by would advise you this is our final response.

Yours faithfully

Group compliance officer

First on reading the letter I thought, ohhh well, then when I read it again, especially when they quoted "We may therefore reject the complaint without considering its merits in accordance with DISP 1.6.2 of the FSA rules and limitation act" and then on the next line say they werent regulated by the fsa so how can they quote their rules and limitations?

I am new to this, and would value anybody feedback or advice, as I think that letter was a fob off.

Many Thanks for listening

Scottishbyrd

Share this post


Link to post
Share on other sites

Hi Scottishbyrd,

 

Welcome to the forums.

 

The letter from Norton certainly is a fob off. While I am not sure of the FOS will consider this, the part about the limitations act is absolute rubbish, as the 5 years in Scotland starts from when you realise the error/problem.

 

I suggest you simply phone the FOS and tell them about the letter from Norton, see what they suggest. If they agree to look at this, you can send a claim straight away as you have had your full and final offer from Norton.

 

Good luck

 

DJ

Share this post


Link to post
Share on other sites

Thanks for your reply dj. :)

You dont happen to have their number to hand do you?

Ta

Scottishbyrd

Share this post


Link to post
Share on other sites

No, but if you google fos it will bring up their website. Telephone number will be on their website.

 

Good luck

 

DJ

Share this post


Link to post
Share on other sites

Hi

Had to post as I have an IDENTICAL letter from Norton!

How have you got on with FOS?

Emmtay

Share this post


Link to post
Share on other sites

Hi Emma,

 

Still on the roundabout, Norton don't want to take anything to do with it but I am now dealing with the operations manager as even the complaints dept are arrogant git s:evil:. Is you loan with Endeavour.

 

We got the FSA involved and norton would pass on the underwriters information. So well and truely at a stalemate which is really frustrating. Would welcome anyones help or advice on this.

 

Thanks x

Share this post


Link to post
Share on other sites

Hiya

Im still in same situation. Norton giving FOS the runaround too, and not telling who the underwriters were in 1996.

How is your progressing?

Share this post


Link to post
Share on other sites

Hiya,

 

Yeah Norton are very good at that, and trying to fob you off. My case is now with the ombudsman and I have a specific adivsor dealing with it but to be honest I dont hold much hope as they have had my case since last july..and no further forward :-(

 

Hope you have more luck than I have had :-)

Share this post


Link to post
Share on other sites

hmm, i know what you mean, they have had mine since last october.

I have been leaving messages with the woman dealing with my case for 2 weeks and she still hasn't replied yet! grrr

Will update as i hear anything, good luck

Share this post


Link to post
Share on other sites

Hi

FOS are saying they can't help unless i find who the underwriters are, and Endeavour have told me a couple of different underwriters all of which say it wasnt them! grrrrr!

I really dont know what to do now. Who were your underwriters?

Emmtay

Share this post


Link to post
Share on other sites
Hi

FOS are saying they can't help unless i find who the underwriters are, and Endeavour have told me a couple of different underwriters all of which say it wasnt them! grrrrr!

I really dont know what to do now. Who were your underwriters?

Emmtay

 

Hi

 

Had you thought about dropping fos and going to court instead?

 

Regards

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi Emmtay,

 

Just dropped by to see how you are getting on........sorry to hear you are still not getting anywhere with this. In case it's of any assistance, my underwriters were Premier Writers Ltd although when questioned originally about this I was told (incorrectly as it happened) that our loan was underwritten by Sterling Insurance Group. In my own case though, it was all done through the FOS and the underwriters played no part in it. Don't give up, however hard it may appear I'm sure you will eventually beat them and get your money refunded :wink:

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Share this post


Link to post
Share on other sites

Hi ims and Landy

just re-found this post! I've got my own thread about this so don't know if these can be merged, but no i haven't considered the court route yet ims, maybe I should look into that, and thanks for those 2 names Landy, will be phoning them next week although i am concerned as i have just read norton have gone into administration! Unsure how that would affect things, any ideas?

Cheers

Emmtay

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...