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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • FTMDave
      CEL PCN Claimform - Appealed - Red Lion Car Park, Wetherby LS22 6LR

      By FTMDave · Posted

      Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • FTMDave
      CEL PCN Claimform - Appealed - Red Lion Car Park, Wetherby LS22 6LR

      By FTMDave · Posted

      We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Nick
      CEL PCN Claimform - Appealed - Red Lion Car Park, Wetherby LS22 6LR

      By Nick · Posted

      Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • NewsBot
      US holds interest rate steady and warns on inflation

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      The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
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      US holds interest rate steady and warns on inflation

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      The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article

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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

HSBC - Failed PPI claim

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Poster

Poster

Posted
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Got my letter today stating that HSBC will not be paying out because they have the original copy of my "tick" next to PPI.

 

I tried to cancel the PPI after 6 months and they told me I would have to apply for a new loan which I didn't want to do in case I failed the credit check. They told me in the letter that what I was told verbally didn't matter as this was not proceedure.

 

What can I do? (if anything?!)

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Old Cogger

Old Cogger

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Got my letter today stating that HSBC will not be paying out because they have the original copy of my "tick" next to PPI.

 

I tried to cancel the PPI after 6 months and they told me I would have to apply for a new loan which I didn't want to do in case I failed the credit check. They told me in the letter that what I was told verbally didn't matter as this was not proceedure.

 

What can I do? (if anything?!)

 

Bit of a sticky wicket here, nothing in writing, trouble early days a PPI was added to loan at the outset of the loan as I remember, not a monthly add on, you requested it as per application form by ticking box, could be difficult to claim back, having said that can you think of a reason for PPI being issued i.e. self employment, not in work, or any other reason you may not of been covered?? sure others will advise you on this subject this is only my thought as I tried once?

:mad2::-x:jaw::sad:
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Poster

Poster

Posted
  • Author
Posted

I'm actually doing it on behalf of my Mum. It was added to the loan as a lump sum at the start of the loan and taken out the same day. She said she was lead to believe her application would fail without PPI being selected which is why she ticked the box.

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Old Cogger

Old Cogger

Posted
Posted
I'm actually doing it on behalf of my Mum. It was added to the loan as a lump sum at the start of the loan and taken out the same day. She said she was lead to believe her application would fail without PPI being selected which is why she ticked the box.

 

If she was told that part of the loan then she would I think have a good case, but difficult if she only thought herself it might be a condition of the loan, if she was actualy told it was a necessary add on well FOS time I would say, sure others may comment soon on this as well so see what is further suggested??

:mad2::-x:jaw::sad:
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oriental1

oriental1

Posted
Posted

Hi. I had sort of the same problem, If it was me, I would pursue the claim as I am very sure although your mum ticked the box, I bet that it was not explained to her adequately and as she believes that she would not get the loan without it, that in itself is mis selling

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ims21

ims21

Posted
Posted

Hi

 

There are many criteria for mis-selling....you have identified one..."you won't/may not get the loan without it". There are usually three or more that are relevant so check them out.

 

Did you send a fos questionnaire with the claim?

 

Was your Mum employed, self employed, suffering pre-existing medical conditions etc.

 

Matters not if the box was ticked....if it wasn't explained fully to her or she didin't understand it then it was mis-sold.

 

Did their letter say it was their final response?

 

ims

 

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Poster

Poster

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I am collecting the letter from her on Sunday to have a better look.

 

The main issue here (or maybe not) is that she was employed by the HSBC at the time. I can't imagine all of their staff HAVE to be clued up on loan and ppi agreements though.

 

She tried to cancel the PPI 6 months later and was told a new loan would need to be applied for without PPI which got her a bit scared I think so she didn't do it.

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Old Cogger

Old Cogger

Posted
Posted
I am collecting the letter from her on Sunday to have a better look.

 

The main issue here (or maybe not) is that she was employed by the HSBC at the time. I can't imagine all of their staff HAVE to be clued up on loan and ppi agreements though.

 

She tried to cancel the PPI 6 months later and was told a new loan would need to be applied for without PPI which got her a bit scared I think so she didn't do it.

 

 

Actually happened to me told it would need a new loan to cancel PPI, but I left it as it was as the loan would start again at a higher level due to added on PPI.

:mad2::-x:jaw::sad:
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  • 1 year later...
Poster

Poster

Posted
  • Author
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Back to this a year later...

 

I took things further with the FOB and they agreed with us rather than HSBC and wrote to HSBC telling them to pay my Mum or respond by the 16th of October (2012) if they disagreed with the FOBs decision.

 

Well that deadline has now passed by nearly a month and still no response. I have called the FOB twice and they have heard nothing either.

 

What's the next step? Do I chase HSBC directly? Surely they are in breach by not responding in the time period set by the FOB?

 

Thanks

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ims21

ims21

Posted
Posted

If fos are handling this case I think you ought to be putting the pressure on them to get a resolution.

 

Remind them that the bank has to pay interest up to the date of settlement so each day costs them more and that you are also seeking compensation for the delay, stress and inconvenience that this is causing you.

 

Fos don't award vast sums of compo but of you get £100 or £200 it is better than a poke in the eye.

 

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  • 4 months later...
Old Cogger

Old Cogger

Posted
Posted
Yep plus 8% interest and the original interest. They deducted an amount which was a claim my mum used the ppi for for 6 weeks while she was off work ill.

 

any claim they do take off - fair enough!

:mad2::-x:jaw::sad:
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