Jump to content


  • Tweets

  • Posts

    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
    • Resume payments with the debt collectors? You say not to pay dca though do you not? 
    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

HSBC Loan PPI mis-sold **WON**


robert_harper_2000
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1913 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had send a letter asking for refund of PPI and they returned letter explaining would reply soon. Next reply said he had been trying to call me and wants to talk to discuss matters.

 

Is he going to get me to end up agreeing with him or what

 

Could someone pm with a clever reply

 

Thanks, any help would be really appreciated. Rob

Help me to help others!

Link to post
Share on other sites

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Yes. tell him to put his concerns in writing.

 

If he insists on a meeting then tell him in writing that you want an agenda.

Otherwise he can do the other thing.

Link to post
Share on other sites

OK so literally just write a letter saying

 

please put any concerns in writing.

 

Is that it? I'm really glad this website is here, somewhere people can actually get help from these banks ripping off people. I've told literally everyone I know about this site.

 

I bet this site will make such a difference, although surprised whoever owns this site hasn't been offered money to walk away lol

Help me to help others!

Link to post
Share on other sites

yes - just that in the letter

Link to post
Share on other sites

Hello

 

I have been trying in vain to get my useless insurance refunded. I wrote the template that has been going around explaining insurance was mis-sold.

 

Not sure if this counts but bascially I am saying my insuranace was mis-sold as it is no good to me due to the fact I work at my fathers business and live at home. This means I won't be made unemployed & won't lose my home.

 

The template letter suggested you need to be self-employed etc.

 

What angle should I continue? The replys have been that there is no evidence of mis-selling. Should I say it is mis-sold as it is no good and explain I was to continue to any appeals process?

 

Help guys PLEAASE this is worth £600 a lot of money.

Help me to help others!

Link to post
Share on other sites

I have been trying in vain to get my useless insurance refunded. I wrote the template that has been going around explaining insurance was mis-sold.

 

Not sure if this counts but bascially I am saying my insuranace was mis-sold as it is no good to me due to the fact I work at my fathers business and live at home. This means I won't be made unemployed & won't lose my home.

 

The template letter suggested you need to be self-employed etc.

 

What angle should I continue? The replys have been that there is no evidence of mis-selling. Should I say it is mis-sold as it is no good and explain I was to continue to any appeals process?

 

Help guys PLEAASE this is worth £600 a lot of money.

Help me to help others!

Link to post
Share on other sites

Well they said would cancelled insurance for rest of loan paying back almost nothing of what it costs even though i still have 2 out of the 3 years on the loan!

 

Also said would have to do the loan re-setting the interest!

 

Bascially can't cancel the loan....

Help me to help others!

Link to post
Share on other sites

I received my statements, added the fines together but sent the letter before action which included the the interest. I sent the letter by recorded delivery.

 

Will this invalidate my claim as I was suppose to send the perlimnary approach first.... oops... I still have heard nothing. I wrote explaining I would action court by 14 days ( 14 - 4 - 06 ).

 

Can I still action court or should I send a perlimnary approach ?

 

Thanks

Help me to help others!

Link to post
Share on other sites

Hello mate, I did this by accident with my first letter too, I still got the standard response from them about the amount. What I then did when I sent my letter before action was included a line revising the requested amount and stating it was because I was not claiming interest at this stage.

UPDATE -

 

Claim submitted, HSBC have until May 13th to Acknowledge.

Link to post
Share on other sites

Nope - the letter before action should be enough.

 

You have asked for the money back within a set time limit - if they do not return it in that time limit, then start proceedings.

 

The only reason there is the Pre-lim is just to be able to prove you did everything within your power to resolve the issue without resorting to legal action.

 

It doesn't matter though - you have written and asked. If they still choose to have a court decide the matter then that's up to them.

 

They will pretend that this is what they want, when the reality is that it's the last thing they want. A court would decide in your favour, IMO, and then the publicity would be huge.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

I don't know, but if it's a registered office of theirs, I would imagine that it's fine to send correspondence to.

 

Although, send it recorded - banks seem to have developed a habit of losing letters of late.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

I've received statements, accidently sent off the letter before action as opposed to the perliminary letter ... opps! but you guys said it makes little difference.

 

You say I should receive some reply. I've had no reply. Nothing

 

I sent it recorded to Beaumont but worried about court. Everything will be fine for me to carry onto court isn't it?

Help me to help others!

Link to post
Share on other sites

If they have not responded in the timeframe then just proceed to court claim.

 

At this stage, don't forget your 8% interest...

 

You'll be fine!!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

Well Done!!

 

I would accept and continue for the rest. The money is rightfully yours.

 

Good Luck, keep us posted.

 

P.S Who did you send your 2nd letter to after you received your statements??

I am at this stage now.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1913 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...