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Classic Confidence/JD Williams PPI


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Hi all, hoping someone can help me.

 

Had an account with this company which was settled end of 2007.

 

First Super Payment Protection made 12th August 2003 (from my statements) last after telephone/written complaint 11th April 2007.

 

Requested return of PPI December 2007, they offered 50% of premiums paid in full and final which amounted to £258. (Quote Peace of Mind Plan) I refused this and they also refused to comply with SAR as I would not comply with their witness signature form.

 

Last wrote to them in January this year threatening with court action but unable to use their letter offering refund as it is marked without prejudice. From my statements I have made the total of PPI £227.62 but have no idea of the interest applied around 2003 altho they have sent me a copy of "the agreement" of the type which I would have signed (ha ha) when opening the account in 1997 which shows their rate of interest as 39.6%. Also Total charge for credit interest £21.44 Interest calculated daily at rate of 33.8% pa. Can someone tell me how I should be calculating what they owe me?:???:

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Oh well, no takers, have had a look at the compound interest calculator and will go with their figure of 39.6% and get OH onto calculating this weekend, guess we will have to work it out on each monthly figure, also think I'll try and talk to the FOS on Monday as obviously they might have been applying PPI since 1997, in which case little wonder they wouldn't comply with my SAR!

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sar is a legal request, they must comply else off to court

 

knock up a spreadsheet at their int rate

post it off with a covering letter

 

wait 8 weeks, then off to the fos you go

 

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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Hi this is normal claptrap from J.D. Williams have a look at my thread from July 2007 they are still giving the same rubbish out. They will have no signed agreement therefore no agreement to apply interest or PPI claim both back using the same interest they charged you. It takes time but you can claim this back.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?104426-dpick-oh-v-reliable-collections-jd-williams

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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  • 2 weeks later...

Well the saga continues. LBA re SAR sent off about 10 days ago to Classic Confidence, no reply so another LBA sent to JD Williams yesterday.

 

To-day received large envelope with big sticker on back legal department JD Williams, another lengthy SAR Request form with demand for £10 (already paid in 2008). Form contains such daft questions as "Have you applied for employment with any of our companies, if so which one?" and last page (no wonder catalogue is called Classic Confidence) For completion by witness (who should not be a relative of the applicant).

 

OK JD Williams my patience is exhausted, will start legal action next week for an order under Section 7 and Section 15(2) of the Data Protection Act 1998.

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yep

they cant do that

 

they must comply

 

theres nowt any where by anyone which indicates that they are allowed to 'vet' you before they comply.

 

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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yep

they cant do that

 

they must comply

 

theres nowt any where by anyone which indicates that they are allowed to 'vet' you before they comply.

 

dx

 

Thanks Dx, thats what I thought, me thinks they may owe me more than they offered without prejudice, oh goody!:lol:

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  • 11 months later...

Well, here we are still rumbling on a year later and heading for hearing shortly, they certainly did owe me more than they offered about 5 times as much and thats only at 8%. Because I owe them nothing (Isen't that a Bros song?)I am going for them for the full 39.6% they charged me. I have sent in my court bundle and they have submitted a witness statement, same old drivel along with exhibits of black screenshots with blue typing which I had to get out the magnifying glass to see and exhibits such as terms and conditions of Pomp and a beautiful black almost illegible print out of Good News for Pomp Customers as from 2005 Hospitalisation Cover - news to me, never saw anything about it - in my opinion, even I could have manufactured that yesterday on a computer.

 

Anyhow, my question is - as part of my court bundle I sent in civil procedure rules 33.4,33.5 &33.6 plus the Civil Evidence Act - I really cannot understand the legalise of the advice given and wonder whether I have to give notice to the court and the other side of my intention to cross examine the statements made in the witness statement.

 

Hope someone can help as time is getting short.

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Ok, panic over,found the info I wanted on the web, looks like I will be able to cross-examine and question the dark side without CPR, really looking forward to that part one of the statements dear Pippa has made is that typically she would travel to the telemarketing Companies making the calls on behalf of JDW on a 3 monthly basis to listen to live calls being made to customers - so how many customers did they have at that time and how many calls did she listen in to and why haven't they got a transcript or tape of the call made to moi!

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ping ims21

 

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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