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    • Hi   I could be wrong here so could @namedisplay please clarify if I am correct or completely wrong?   In your post#1 you mention that due to your health issues and your mental state at the time you rang the Training Room and was told it would cost and initial £200 and then £15 per month until you finished the course.   Then further in post#1 The Training Room told you you were not eligible for an extension because you hadn't completed enough of the course.   With the above I now refer Post#12 which mentions your circumstances are covered by 13 in the TTR Terms and Conditions.   What is mentioned above seems conflicting from TTR for the following:   1. IMO that money of £200 and then £15 per month (on top of original Course Fees) was them at that time agreeing to an extension as per 13 in TTR Terms and Conditions   2. Them stating you can't extend Course as not completed enough of Course is not in TTR Terms and Conditions (that I and others can see) (Note they could be referring to 15 in TTR Terms and Conditions)   Can you clarify the above and were you informed those extra costs were due to an extension of your Course.   Again I will ask did you provide the Training Room with Medical Evidence when you asked the above?   We also still need to see the Letter from Training Room Threatening Legal Action (fully redacted) which you still haven't posted?   You need to send The Training Room a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase means whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond to your SAR Request and that Time Limit only starts once they have acknowledged your SAR Request. They can extend that Time Limit if they need to prove identity before actioning the SAR Request so be aware of that.   A SAR Request is now FREE and make sure you get Free Proof of Posting from the Post Office     Your right of access ICO.ORG.UK   Can you please make sure you answer the questions asked of Caggers to assist you    
    • I've been trying to resolve a issue with 8 PCN issued by Tyne Tunnel 2 (tt2.co.uk). Tyne Tunnel 2 is a gated toll charged tunnel to cross the River Tyne in Newcastle. We moved in recently so all a bit new to us. My dad had been using the tunnel about twice a week and he had been paying cash for the toll fee at the booths. At some point in November 2021 they had done some constructions where the gates had been closed and payments had transitioned to online methods. My dad had been oblivious to this and been on his merry way multiple times thinking that he doesn't need to pay. So he received the first PCN some where end of November which had been issue on the 26th after which point I went on alert and sorted out the online accounts and such. However the current total of fines has amounted to £255.20 and I have appealed explaining that soon as the letters were received we have resolved the issue but they insist on us paying 8 PCN. I feel it's unfair that the fine is for the same offence which we couldn't have rectified or known until we received the first PCN letter and after the first PCN we have rectified it so feel they are being bit draconic. Any advice on this matter? 
    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • std letter the court send simply telling you the claimant has 28 days to do 'something' else the claim get autostayed.   go read a goof few 10's of PCN claimform threads.    
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PPI - Some notes for Claimants - Frequently Asked Questions & Discussion thread


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but, i just realised, that although when i made the initial application i was employed, i was actually unemployed at the time of signing the agreement and actually receiving the money... do i have a case for reclaiming the full amount?

 

Possibly. But that would depend on you having adjusted your employment status to 'unemployed' at the point you took out the loan. If you failed to do so then it could be claimed you took out the loan fraudulently, in which case you'd hardly be able top claim the PPI was mis-sold. If, however, the loan provider was fully aware of your status then you've probably got a very good case.

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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I have just recieved a letter form central trust in regards to mis-selling of my ppi ive just settled the loan which the ppi was added to they say they feel that they are unhappy with certain aspects and have offered £2000 now i have had to pay £10000 as the ppi was added to my loan so need to take this to FOS any help would be great i have the phone conversation and i would say that they did not go over the ppi and did not take all my circumstances into account.

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I took out a mortgage with HSBC in 1999 and I was told that one of the conditions of the loan was that I had to take out a PPI. At the time I was only working on a part-yearly basis (January to September) So for three months of the year I was going to be unemployed anyway. I eventually cancelled my PPI without any hassle a few years ago. Since it was so long that I was made to purchase this insurarance, which was really of no use to me, I am not really sure if I can make a claim to the bank to recover my money.

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  • 3 weeks later...

Hello

 

The reason for the name AFOOL is in regards to how i really feel.

My wife and i took out a consolidated loan over 25 years for £58,000 and we were advised to take a policy in the words of the salesman like a saving scheme of £14,000 which we would recieve back after 5 years if we took out a ppi scheme. We trusted Barclay's without question as i had been with the bank for nearly 30 years.My wife and i readily accepted the loan to pay off credit cards. My wife and i quickly ran into trouble as her earnings were only £800 per month and mine was £1500 per month of which we had to pay £1000 mortgage and £500 loan and had 2 small children. Within 2 years we were in credit card arrears and we have been helped by family but at a huge emotional cost. Having got back on an even keal we attempted to restructure our mortgage only to be told by the bank we would be charged the £14000 ppi if we wanted to take out a mortgage with the Woolwich so the loan we took out for £58,000 now becomes £72,000. We are distraught and are finding life hard as the bank has continuid to increase our interest payments which are up from 8.2% to 10.5%. I have contemplated using a law firm to assertain whether this loan is legal as we are feeling more and more desperate can anyone please help!

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Hello AF!

 

A warm welcome to CAG, you have come to the right place.

 

Don't be too hard on yourself, I think you'll soon see that you have been led up the Garden Path by Barclays.

 

They've been keen on mis-selling anything they can over the last few years, and do like to add all sorts of silly Loan Protection and PPI onto things. They do this because it's a nice little earner for them.

 

I think your best bet is to start a new Thread in this PPI Forum. Just follow the link below to get you to the main Forum:

 

Payment Protection Insurance (PPI)

 

When there, look at the Top Left or Bottom Left, and you'll see a New Thread Button. Click that, give the Thread a suitable Title (say Afool v Barclays Loan with PPI or similar), and then outline the problem in the first Post.

 

People will then give you direct help there, and your plea for help won't get lost as it could do in this Thread.

 

If I can't help, there should be plenty of people who can.

 

Cheers,

BRW

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  • 1 month later...

Hi

 

Would someone mind clarifying for me about working out PPI claims on credit cards (monthly variable payments, not single lump payment)?

 

I just would like to know if you do it in the same way as charges, ie. add on compound contractual interest?

 

Thanks very much

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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lexis, I think there are one or two spreadsheets avaiable in the PPI section somewhere. Unfortunately, I cant remember where I got the link for the one I used so sorry I cant help.

 

However, I do remember having to put things like the balance outstanding each month, how much was repaid each month, the interest applied as appearing on the statement each month.. The final columns said something about compound interest.. :confused:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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hi

i have a loan which ppi has been added, i applied for the loan online and defiantly would not have took out ppi as im self employed and they are basically worthless

the only way it could have happened is if the box was already ticked and i didn't notice it

 

it is there on the cca but i must not have noticed it there asell due to my excitment :(

 

anyway could you please have a look at my thread to see if thee is anything i can do about it, i cant work out if it has interest on the ppi or not and would i be able to claim it back

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/177294-alliance-leisester-loan-agreement.html

 

thanks

 

im annoyed again

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my husband has a loan from LloydsTSB, borrowed £5.700 on his contract it has a LOAN FOR LOAN PROTECTION INS OF £1,696.14 adding APR of 16.2% and interest on loan amount he is paying back TOTAL OF £10.582.80. I have read his Personal Summary and says because he was not in continuous employment for at least 6 months therefore unemployment cover is not provided, he is self employed can he cancell this and get another ins seperately?

 

Annette Asks

 

I was wondering if you managed to get this problem sorted as I maybe able to help you! I have been wondering about these problems with PPI and have now found a solution regarding aLL MAJOR CREDIT CARDS LOANS ETC, iM NOT PROMISING THE WORLD but maybe able to help. if you would like to write to me here!

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hi

i dont know if i am in the right place here , but my partner has an ongoing loan with halifax which was taken out in 2006 over a five yr term the loan is £17,000 which with interest works out at about 26,000 (arggh)

anyway i was going through the paper work recently as i still have it and i think there is a single premium ppi on this loan as this is on a seperate sheet of paper to the loan agreement , the thing is he is self employed (subcontractor) and has been since 2002 , i am sure this policy is miss sold it does say self employed are covered but there is a clause regarding n.i contributions and also i am sure the business has to be completely insolvent so he would have to wind it up completely , in which case we would be practically bankrupt anyway ! ....also he wasnt told he could get this policy elsewhere or explained any terms and conditions i need to go through the paperwork again with a fine tooth comb , it also says we are not allowed to cancel this ppi without them re financing another loan ?? ...if anyone has any advice it would be appreciated do you think i have a claim here ?? thanks

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I've just drafted a letter to the Halifax about a very similar situation, albeit monthly payments on a c/c - OH is a Director of his own ltd company, and would have to fold it in order to gain from PPI. Of course, this was only mentioned when he tried to claim after 5 years of payments.

 

It clearly states 'Director' on the application form, but he never had this explained to him. I doubt they'd have much take up if they did - what self-employed (or similar) person folds when the going gets tough? You try and ride it out and bring your business out the other side.

 

This seemed like a major caveat for them to have not made clear, so that's the basis of my argument.

 

My letter is on my thread http://www.consumeractiongroup.co.uk/forum/mbna/156409-lexis200-mbna-just-starting-12.html (it is Halifax, I just get more views on this thread and wanted the opinions:D) if it would help you to have a look. Bear in mind I'm waiting to see if anyone spots any major flaws in what I've written, just in case you decide to use it!

Time flies like an arrow...

Fruit flies like a banana.

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hi lexis

it does seem like we are in a similar situation , although i am going to have to go through the paperwork as i am not sure what his job title is on the agreement , i do know however that they would have known he was self employed , he is a sole trader / contractor/subcontractor and they must know this as the money is transferred into our halifax current account from his natwest business account which is registered in his name , so they either overlooked this and sold him the policy anyway , and they didnt explain all the various loopholes that would prevent him from being paid out , i have looked at your letter and it all looks very good ! . I think i am just going to bite the bullet and write a letter to them and see what happens , i am a bit scared to though as we hold our current account with them and have an overdraft too and i am scared they will turn a bit nasty and close our o/d , but to be honest we are always in it so they are getting enough out of us as it is , also i am going to try and claim for a halifax credit card , i cancelled the payment protection on that about a year ago but didnt think about claimimg on that one , but in august last year they actually shut the credit card down as we were having problems and paid two payments late so we are now paying off the balance but cant use the card

do let me know how you get on with them i have heard that they are quite difficult to deal with regarding chrarge reclaim and ppi

good luck to you ! when are you sending the letter ?

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Hi again, and thanks:)

 

I'd like to get it off as soon as possible, but like I say, this isn't my comfort zone at all so I just want a bit of confidence that I've not said something muppet-like in the letter that will get it laughed out:)

 

I do keep seeing mentioned throughout the forums about opening a parachute account just in case your current bank turns nasty - maybe that's a possibility for you? (I know it's tricky if you've not got the greatest credit rating, especially if you need the o/d)

 

OH's card is exactly the same. In fact he phoned them, told them about the business being dead for a while and could he claim, and the reaction was no, and btw, send your card back your account is closed. They didn't freeze the interest for some time after doing that though, so he had even told them there were problems rather than ignoring it, but they still charged him!

 

We have charges to do with them too. I'm chancing my arm and going for the whole period rather than the 6 years. I have no idea if it will work (I suspect not), but if it does that's the whole debt and then some in charges and PPI. Even if they only go back for 6 years it's about two thirds gone, so I'm really crossing fingers.

 

Do post up a link if you start your own thread so people with a bit of knowledge about this can help you. You should be able to get some good advice here to get you on your way.

 

Good luck to you too

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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  • 4 weeks later...

Hi everyone.

 

I have a question about ppi I took out a loan with barclay last year the loan and ppi payment is 173.82 month for 5yrs paid 2073.84 still paying on it I am struggling to pay but just about managing for how long don't no ppi is supposed to help customers not put them in more debt true.

 

When I took out the loan with the ppi they asked me a few quest before blar blar pre- med con yes do you have any more insurers no.

 

I cant see very well special small print so i put all barc bank papers in folder i got my policy through 4 days after I have been in the bank but reading your threads and all controversy at the mo made me get my folder out and use a mag to see I came across you would get insurance if you had a pre med condition I honestly told the bank I had and the notes what came with the policy states I have.

 

Puzzled now if they knew from my own admittance I have a pre med condition their would be no payout on insurance why did they give me the policy.

 

Have I a claim for ppi mis selling how would I go about this eg letters forms HELP.

 

BY THE WAY JUST TRIED A LINK TO BARC WEBSITE IT SAYS WEBSITE REMOVED OH DEAR.

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  • 2 weeks later...
  • 2 weeks later...

HELP NEEDED. Can anybody help me with some information on PPI miss spelt policies.. As with the bank charges you can only claim as far back as 6 years. Is it the same rule with PPI policies, or can you claim further back.

As i am looking at two catalogue PPIs going back for almost 10 years.

 

Sold to a pensioner, who had no chance of making any claim whatsoever.

I would appreciate an urgent responce. Regards Blencathra

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There are no timelimits as far as mis-sold PPI claims are concerned.

 

"Mis-selling" is a polite way of saying- profiting from a deliberate concealment and misleading wording or just plain old fraud.

 

:lol::lol::lol:

 

 

I love it:D

 

Noonmill if you have a spare moment or two, can you give us a more detailed explanation of "failure of consideration"

 

This will be very useful for caggers to use to reclaim back their ppi. I know it was discussed on a thread, but cannot find it now.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 3 weeks later...

well i have now got my claim in with FOS and it has been fast tracked due to my circumstances they rang today and allocated an adjudicator anyone know how long they take

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Are you me?:p Same thing happened to me today and I was wondering exactly the same thing.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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• Most policies do not cover you for loss of income caused by a wide range of illnesses or ailments, including mental illness and back trouble, which keep thousands of people off work each year. A lender or insurer should warn you that illnesses like these, and other pre-existing conditions that might keep you off work, will not be covered.

 

 

 

My hubby has a back problem Shuermann's disease would this make the PPI mis-sold? MissDemeaner

 

Edit: He had back problems before he got the loan in November, He found out what it was in Jan/Feb, no-one even mentioned back problems! MissDemeaner

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  • 2 weeks later...

well rang FOS and my ajudicator has told me that the cliam is being upheld so he has upheld my complaint which is a step in the right direction just hope that central trust comply with this am gonna now go after swift advances got noting to loss as they too it all so its worth a try

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well rang FOS and my ajudicator has told me that the cliam is being upheld so he has upheld my complaint which is a step in the right direction just hope that central trust comply with this am gonna now go after swift advances got noting to loss as they too it all so its worth a try

 

This is good news Vain:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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