Jump to content


  • Tweets

  • Posts

    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
  • 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
      • 160 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

BBA - v FSA - PPI Judicial Review


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4693 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

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

  • Replies 257
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Would this change things to those who werent FSA regulated at the time ppi was sold? Namely GE Money now Santander - their stance is we werent regulated so go away.

 

Have a nice ppi claim ready as a counter claim for the DCA who has been threatening court action but as soon as they found out about the ppi unresolved complaint I've not heard from them :)

Link to post
Share on other sites

I wonder what a judge would say about that beachy.:roll:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

Link to post
Share on other sites

i have a feeling that it will resolve this issue as its now no longer an issue of IF ppi WAS mis-sold, as far as i read it, PPI was 99% mis-sold so there is no-one that is needed to judge the issue??

 

get my drift.

 

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... 

Link to post
Share on other sites

Excellent news for the consumer and just used it to my advantage by sending Barclays a letter.My PPI claim has been on hold since Nov 2010 to quote their letter ' while we await the judicial review once the court has provided clarification your complaint should be assessed and we can make a final decision' .Well it has been made !! so sent Barclays a letter with that section highlighted followed by a where's my PPI refund request !!Whats good for the banks is good for the consumer so just turned around their words to use against them

Link to post
Share on other sites

This could turn out to be even more expensive for the banks. By delaying these claims, they could end up liable for far more by way of restitutionary interest and damages. As someone has pointed out, it now seems moot that there was definitely large-scale mis-selling so it is highly likely that the majority of existing PPI complaints will be upheld and therefore paid out.

 

I don't think the banks were too upset about PPI refunds in general as that had been going on for years. It's the introduction of this 'root-cause analysis' remedy that the FSA introduced that's really ticked them off. It's one thing to address complaints as and when they arise. It's another thing to go and seek out people that have probably been mis-sold to in the past in order to offer redress.

 

I don't support them, but I can certainly see why the banks are in a tizz as this'll certainly cost them a lot more than bank charge refunds.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

Link to post
Share on other sites

Even so, I still think lenders should at least be good enough to keep addressing existing and current complaints and making refunds as and when they arise.

 

This way they only have to fight the one major battle with the FSA on the 'root cause analysis' issues which came about as a result of their 'systemic failures' in the first place. They'll probably eventually lose that battle too but because the cost to them could be so much higher, it's probably worth dragging things out a bit.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

Link to post
Share on other sites

The other down side is the floodgates opening to all those bloody nuisance claims companies getting their claws in !! I don't think they help genuine PPI claimants at all preying on peoples ignorance then creaming off massive amounts for themselves.They should be forced to write back to their customers at least advising they could claim PPI themselves without the need for using a third party claims company....

Link to post
Share on other sites

There is only one way to stop the banks thinking they can do what they like, thats real competition, a People's Bank if you like. Maybe where the people are the shareholders. A reciprocal relationship built on traditional values, where it's about humans and less so computers.

 

Weren't they once called Building Societies ?

 

Sounds more like Credit Unions.

HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

Link to post
Share on other sites

Sounds more like Credit Unions.

 

Im sure ' call me Dave ' has metioned this before to give the high street banks more competion then again he does'nt want to upset his mates in the city, god forbid they lose anymore bonus !!! so not likely to happen anytime soon

Link to post
Share on other sites

From the BBA Website http://www.bba.org.uk/media/article/payment-protection-insurance-complaints-handling

 

Payment Protection Insurance - complaints handling 21/04/11

The BBA's members will continue to handle all PPI-related complaints in accordance with FSA rules. Where the assessment of the complaint would not be affected by the judicial review, these complaints will be handled in the normal way. If the complaint will be impacted by the judicial review, and cannot be resolved at this point, then your bank will write to inform you.

Until a decision is taken on an appeal, any complaints that are directly affected by the judicial review and can not be decided now will be placed on hold, and we will continue to work closely with the FSA to ensure that all complaints are appropriately handled.

Customers should be assured that all complaints will be reviewed - even those delayed by this judicial review process. There is no deadline for receipt of complaints. If customers have a problem regarding PPI they should contact their bank and, if necessary, complain in the normal way.

We felt compelled to take on a Judicial Review to clarify the standards relating to PPI complaints handling after exhausting all other avenues with the regulators to reach a solution. We consider that process is still ongoing as an application to appeal may be made and will not be completed until the right to appeal is lost or waived or any appeal hearings are resolved. We are presently reviewing the judgment very carefully and considering whether to make an application to appeal, which must be lodged by 10 May 2011.

Guess the 10th of May can't come fast enough. It'd be a bit silly if they wait until the very last day, before lodging their appeal.

 

Any heads up on whether they're working on an appeal?

 

Any thoughts on what their real chances of success might be?

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

Link to post
Share on other sites

Heard about this on the radio this morning

 

http://www.bbc.co.uk/news/business-13290126

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

From the BBA Website http://www.bba.org.uk/media/article/payment-protection-insurance-complaints-handling

 

Guess the 10th of May can't come fast enough. It'd be a bit silly if they wait until the very last day, before lodging their appeal.

 

Any heads up on whether they're working on an appeal?

 

Any thoughts on what their real chances of success might be?

 

http://www.bbc.co.uk/news/business-13290126Looks like Lloyds has caved putting over 3billion aside for claims...god what a happy day to see these financial institues squirm...Sent my letter to Barclays day after result demanding return of PPI now that decision has gone against them..also with FOS so will see what they have to say.Only thing now Watch those bank charges go rocketing up to make up the shortfall

Link to post
Share on other sites

I didn't think I would live long enough to be able to read this!

 

Payment Protection Insurance Complaints

 

We’re sorry you have a complaint about Payment Protection Insurance (PPI), but we’re committed to making the journey as easy as possible.

It’s easy for you to complain to us directly so you don’t need to use a Claims Management Company (CMC) who will typically charge an up front fee or take a proportion of any compensation you may be due. We assess complaints sent directly to us in exactly the same way that we treat complaints from a Claims Management Company, so by coming direct you will not be disadvantaged.

Here's what you need to do:

 

  1. Call or write to us
    At LloydsTSB we are committed to making it as easy as possible to resolve your complaint. We’d like to discuss the details of your case with you directly so your concerns can be resolved as quickly as possible. You can call us on 08453 005599, our dedicated number for PPI complaints or write to us at Lloyds TSB, Tredegar Park, Newport, NP10 8SB.
  2. Download and complete a PPI Consumer Questionnaire Form
    If you decide you want to proceed with your complaint, download the
    PPI Consumer Questionnaire and fill in the details of your case. Filling in a PPI Consumer Questionnaire from the Financial Ombudsman Service helps us process your complaint as efficiently as possible.
  3. Send it in
    Send the PPI Questionnaire to us at Lloyds TSB, Tredegar Park, Newport, NP10 8SB.We are committed to resolving complaints. We have employed additional new members of staff to help customers with their queries about PPI policies.

 

Frequently Asked Questions

 

How do I make a complaint about the way that my PPI was sold?

If you have a query about the way that your PPI was sold you can ring a dedicated telephone line for PPI customers.

08453 005599

If you prefer to write the address for correspondence is:

Lloyds TSB

Tredegar Park

Newport

NP10 8SB

If you are dissatisfied with our response and you wish to make a complaint please click the link below which will take you to the Financial Ombudsman Service website. This includes details of how to make a complaint and provides a questionnaire for you to complete. By filling out the FOS PPI Questionnaire we will have all of the information we need to assess your complaint. Once you have completed the form please send it directly to us at the address above.

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

We encourage our customers to talk to us about PPI

 

  • We are best placed to deal with any queries our customers have about their PPI policy
  • Rather than talk to a CMC, you can find all of the information you need about raising a complaint about PPI on this page. You will receive exactly the same service by coming to us direct as you would from going through a CMC
  • The easiest way to raise a query about a PPI policy is to complete a
    PPI Consumer Questionnaire. Once you have completed the form please send it directly to us at the address above.

 

What does the Judicial Review mean for my PPI Complaint?

We are no longer supporting the British Bankers’ Association’s Judicial Review.

 

We are now reassessing the complaints that we have already received and dealing with them in a swift and timely manner.

 

Those customers who have not complained but have concerns about their PPI policy should contact us directly using the details above.

 

From LloydsTSB website

http://www.lloydstsb.com/payment_protection_insurance_complaints.asp

Link to post
Share on other sites

actualy i find this rather insulting

because we all know the Lloyds will try and wriggle on the int calcs as they have done on CAG many many times

 

so you'll save money by not going CMC, but you wont get the full ticket out of us, but we've saved you money already!

 

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... 

Link to post
Share on other sites

actualy i find this rather insulting

because we all know the Lloyds will try and wriggle on the int calcs as they have done on CAG many many times

 

so you'll save money by not going CMC, but you wont get the full ticket out of us, but we've saved you money already!

 

dx

 

Agree ! Yet still have a self satisfying smug grin at the massive climbdown from Lloyds...has really made my day !!!!

Link to post
Share on other sites

I have a PPI claim with them but the address is different to what I used.

 

 

 

LTSB, Customer Relations

2 Brindley place

Birmingham,

B1 2AB.

Would I be right in thinking Lloyds will forward it to this new address they have? it has been delivered. I had the letter recorded with royal mail and i have the signature that, someone from Lloyds signed for. It’s been 5 weeks so far and no acknowledgement that there looking into my complaint.

 

Link to post
Share on other sites

I have a PPI claim with them but the address is different to what I used.

 

 

 

LTSB, Customer Relations

2 Brindley place

Birmingham,

B1 2AB.

Would I be right in thinking Lloyds will forward it to this new address they have? it has been delivered. I had the letter recorded with royal mail and i have the signature that, someone from Lloyds signed for. It’s been 5 weeks so far and no acknowledgement that there looking into my complaint.

 

 

Personally speaking 5 weeks is too long to be waiting you should have had some sore of acknowledgement at least a week to ten days after they recieved the letter.Give them a call to see if they are dealing with it but sounds to me like it is lost in the system..

Link to post
Share on other sites

Please let us have links to your threads so we can follow your progress :)

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Just spoke to them on the phone, you where correct, they lost it in the post, even though it was signed for typical. they said they will write to me in 5 working days.

 

Hmmm guess they are under pressure from all the PPI they fleeced sorry missold your honour....Make sure you get your response as the buggers will no doubt drag their feet...if you don't send a snotty letter threating FOS action, thats what I have done with Halifax and Barclays who have been dragging their feet, after all if you owed them money you would get all the threatograms under the sun ..so sod em is my motto !

Link to post
Share on other sites

Heres the links to my threads.

http://www.consumeractiongroup.co.uk/forum/showthread.php?304297-HFC-PPI-Claim

http://www.consumeractiongroup.co.uk/forum/showthread.php?302846-Help-with-PPI-LLoyds-TSB-amp-GE-Capital

As you can see, ive got a few claims goin on at the moment. one has taken nearly a year and is still going. Will wait and see what the fos do with that one. Will keep posting when i here any news. Hopefully good!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...