Monument PPI Claim

[rhos123]

payment break plan, ppi it is indeed , nice one barclyshark!!!!!

[moneyproblem]

Ok I am not having much joy with getting anywhere with Barclaycard (Monument), a portion of Monument credit card account(s) was sold to Barclaycard and as a result one of them was mine. Barclaycard is telling me that they do not have all the details (statements what of you - but I do, so....,). However out of pity they are willing to offering what they feel like so I will have to submit a court claim. I mean how rude consider I NEEEEEVA ask for the PPI or payment break plan, it was added without my knowledge. I am on the hunt for a POC for credit cards and any help would be greatly appreciated.

 

ETA: Found 3 Credit card POC, but will work one of them and if any PPI experts or anyone for that matter who is good with POC to please spare your humble CAGer a few moment of your time to check that I am on the right path

[Tugela]

try contacting this lady - she seems to know what she is doing

[email protected]

[moneyproblem]

try contacting this lady - she seems to know what she is doing

[email protected]

 

Ok cool beans, if you don't mind uhmm I had sent both my prelim and lba already so I was just thinking the best way to approach her in regards to my PPI. Can you give me a little guidance as you have had experience dealing with if that is ok please

Do you think is best to start over with her with the prelim or ????

Edited July 2, 2011 by moneyproblem

[roxyroo]

HI Tugela just to let you know i recieved an offer which i have accepted ,they wrote to me and asked for my bank details for the refund .So far it has,nt gone into my bank account, how long if you dont mind me asking did it take for your refund to go in to your account. Many thanks again for your help.x

[moneyproblem]

Email Judith Hayes tonight along with my updated SOC, was occupied with other claims so I am just now getting back to this. will keep on it now until I get my full refund!

[Tugela]

HI Tugela just to let you know i recieved an offer which i have accepted ,they wrote to me and asked for my bank details for the refund .So far it has,nt gone into my bank account, how long if you dont mind me asking did it take for your refund to go in to your account. Many thanks again for your help.x

 

Hi Roxy

Thats great....... am not 100% sure how long mine took - i do know that when i got my statement the amount had been deducted from my balance. It wasnt very long.

Drinks on you lol x

[Tugela]

Email Judith Hayes tonight along with my updated SOC, was occupied with other claims so I am just now getting back to this. will keep on it now until I get my full refund!

 

Barclaycard (monument) refused to refund me so am going to FOS.

[ims21]

Hi Raz,

I had also fallen behind with my payments to Monument and was on a payment plan with them but i still claimed. All i did was filled in the form from this site and then they offered me back only 3 years and i wanted 6 years so i dealt with this lady and i got all 6 years back - so give it a go and good luck

 

Carole O'Neill

Customer Relations

Monument

51 Saffron Road

Leicester

LE18 4US

 

Fortune favours the brave as they say

 

Regards

 

ims

[steviebaby100]

I simply wrote a letter and didn't fill out and specific forms from this or any other site. Just outline in your letter that you feel that the purpose of the scheme was never properly explained. Ask them for a copy of your original application form and any correspondence and/or phone calls relating to your agreement to PBP. Monument/B'card will send a standard response etc, but you may be lucky and get a final paragraph stating they believe they've done everything correct, but notwithstanding that they are willing to offer you £xxxx. See how you get on...my cheque has now arrived and been banked!!

[Raz786786]

stevie,

Thank you for you response, I'm even more encouraged to get to the bottom of this.

[moneyproblem]

Politely requesting a POC pro let me know if this is suitable to be used for claiming against Barclays Bank Plc t/a Monument please. TIA

 

 

PARTICULARS OF CLAIM

 

 

1. The Claimant had a credit agreement, credit card number xxxx xxxx xxxx xxxx ("the Agreement") with the Defendant which was opened on or around xxxxxx.

 

2. At the time of opening the account the Defendant misled the Claimant into procuring Payment Protection Insurance ("the Insurance") as part of the overall credit bargain.

 

3. The Claimant contends that:

a) The Insurance imposed upon the Claimant were added to the claimants credit card account without their knowledge.

i)The Insurance imposed upon the Claimant neither defined nor explained, nor alternatives from other suppliers suggested.

 

b) The Claimant further contends that if the Insurance was applied correctly, that the Agreement was not executed in accordance with the Consumer Credit Act 1974;

i) As the Insurance was in fact a charge for credit on the Conditional Sale Agreement, it could not also be part of the credit on the additional insurances agreement as under section 9 (4) CCA credit charges cannot be treated as credit even where time is given for their payments

ii) If the Insurance was not a charge for credit in respect of the Conditional Sale Agreement, as it was compulsory, it was a charge for credit on the additional insurances and under section 9 (4) CCA credit charges cannot be treated as credit

iii) For the reasons stated in either (i) or (ii) above, the agreement for additional insurances failed to state the correct amount of credit and did not comply with paragraph 2, schedule 6, which requires that regulated agreements contain as a prescribed term stating the correct amount of credit

iv) The agreement for additional insurances was therefore improperly executed under section 61 (1)(a) of the CCA.

 

 

4. Accordingly the Claimant asks:

(1) Repayment of charges beyond the normal 6 years and will rely on s.32© Limitation Act 1980.The precedent for this was Kleinwort Benson Ltd v Lincoln City Council

(2) A declaration that the sums totalling £xxxx.xx have wrongly been applied to the Account

(3) Payment of the said sum of £xxxx.xx

(4) Payment of interest in restitution as per the case of Sempra Metals of £xxxx.xx in respect of the wrongly applied charges.

(5) Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of this claim of £xxxx.xx the daily rate of £x.xx until judgement or sooner payment.

 

I believe that the facts stated in these particulars, comprising of x pages, are true.

[sammyw84]

hi all

i am new on here, i have an old monument account, they closed it 'due to the economic problems' i sent them a letter asking for ppi last year and they sent me the letter that it was the 'payment plan and not insurance' so left it at that, i do still owe on the account,

where do i go from here?

i have about 90% of my statements going back 6yrs

 

thank you in advance

[dx100uk]

hi all

i am new on here, i have an old monument account, they closed it 'due to the economic problems' i sent them a letter asking for ppi last year and they sent me the letter that it was the 'payment plan and not insurance' so left it at that, i do still owe on the account,

where do i go from here?

i have about 90% of my statements going back 6yrs

 

thank you in advance

 

start your own thread

sse below

 

dx