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    • Have you had any confirmation in writing that they have given you the extra time. I've never heard of a telephone/verbal acknowledgement of service before. The County Courts can be very helpful – but they are also under resourced and very inefficient. I think I would only feel comfortable about this if you had something in writing but even if it was to some email it would still leave me uncertain. The last thing you want is to find that you been promised extra time on the telephone – but this doesn't make it through to the computer system and your client then applies for a judgement in default which you then have to try and set aside. In principle of course you could even apply for a strikeout on the basis that the protocol hadn't been followed but this will require an application notice – probably about 250 quid or maybe a bit more nowadays – and although technically speaking if the pre-action protocol hadn't been followed this should result in an immediate dismissal of the case, if it turned out that the client had sent something and it was lost in the post, for instance, or even if the client then came to have said something, this could cause uncertainty and difficulties. If you were to make that kind of application then frankly it would carry much more weight if it was accompanied by a draft defence and for that you would need to see the claim. Also, if you tried to ask for a dismissal on the basis that the protocol hadn't been followed, this would require a hearing and that could easily take several months to be heard so that you are up in the air. I think you should certainly put it in writing to the County Court that you have been unable to access the claim form. You should do this by email straightaway. I think the best thing to do is to make absolutely sure that the County Court has it in writing that you have received notification of the claim but you can't access the claim, that they have said to you that your verbal acknowledgement is sufficient to gain the extra 14 days – and then when you eventually get the claim form, we can consider the defence and also put in the dismissal/strikeout application at the same time which will cost you no money at all because it will be part of the defence and if you have a cogent basis for resisting the claim then the judge is likely to be supported. Also, just asking for a dismissal of the claim on the basis of no letter of claim leaves it wide open for your client to come back and try again in a more considered and structured and effective way. If a judge dismisses the claim on the basis that they find your defence more compelling, then that is the end of the story for the client. And that is what you really want.  
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Norton Finance/Blemain Finance PPI reclaiming


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I took out a loan in Sept 2006 for 5 years. Norton Finance were the brokers involved.

 

PPI was paid as a single premium at the start of the loan. The sum being £3700, together with interest paid to the finance company pans out at around £8000.

 

Naturally Norton Finance claim in a letter to me it was not mis sold, although a "corruption of computer files" has ment they cannot produce a recording of the telephone sale.

 

I have asked for any evidence they have of any signature they may have from me with regard to me agreeing the PPI but they have not responded.

 

I am in the process of complaining to the Financial ombudsman, but in the meantime will be issuing a County Court Summons.

 

Any ideas on how I should tackle this.

 

I am not legally qualified but do have some experience of issuing summons.

 

Would appreciate any feedback of others that have had complaints with Norton Finance

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Hi Welcome to CAG,

Why do you think the PPI

was missold?

You as the claimant will need

to prove the msselling.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for that. Among other things my reasoning is as follows.

1. They did not make it clear that the policy had a cooling off period.

2. They did not make it clear that the policy was optional.

3. They implied that to take out a policy would help with my application.

4. They did not tell me about significant exclusions within the policy.

5. They did not make it clear that I would have to pay for the insurance up front in a single payment.

6. They did not make it clear that the insurance cost would be added to the loan and I would pay interest on it.

7. I was lead to believe the PPI was for me and my wife as the loan was in joint names, but upon only recently checking the policy I see it is only in my name.

7. I tried to cancel the policy about 6 weeks after the policystarted and before the first payment was made and was told that I had missed the cooling off period and no refund was due not even a proportion of it.

 

There are few more subtle aspects which will be brought up in court if necessary.

 

Cheers

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Is this loan now paid off and closed?

I would be unsure of you chances

given the time scale of over 6 years

since inception of the loan and PPI,

I'll see if there is anyone who can give

you more informatio.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Is this loan now paid off and closed?

I would be unsure of you chances

given the time scale of over 6 years

since inception of the loan and PPI,

I'll see if there is anyone who can give

you more informatio.

 

 

The PPI started in Sept 2006, its 5 years thankfully.

 

Yes the loan completed in December last year.

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Hi

 

Ok so this policy has been mis-sold and the reasons you have given are more than adequate.

 

You have passed the case to fos given that Norton have, I assume, given you their final response.

 

But you want to short circuit the fos route and go to court to get your money back rather than wait an age for fos to deal with it.

 

Is that pretty much it?

 

ims

 

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Hi

 

Ok so this policy has been mis-sold and the reasons you have given are more than adequate.

 

You have passed the case to fos given that Norton have, I assume, given you their final response.

 

But you want to short circuit the fos route and go to court to get your money back rather than wait an age for fos to deal with it.

 

Is that pretty much it?

 

 

 

ims

 

Perfectly interpreted. Thanks for looking at it.

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Ok

 

In the ppi stickies you will find some information about ppi wins in court which would be worthwhile reading.

 

Have you done any calculations s to the amount you are going to claim?

 

It might also be an idea to have a read of No.1 in my signature.

 

Again in the ppi stcickies you will find some links to PoCs for ppi which you should have a look at because your PoC will depend on the mis-selling reasons and you will need to one or some to your own needs. There is no generic PoC template because each case is different.

 

Also have a look at No.4 in my signature about interest you can claim

 

Regards

 

ims

 

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Norton Finance PPI

 

 

 

Norton Finance

Reclaiming PPI from Norton/Endeavour‎

Swift Cover/Norton Finance PPI Reclaim‎

Hi,ANYBODY CLAIMING PPI FROM NORTON FINANCE

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Two threads merged, Figaro123 please stick to one thread regarding this issue.

In the search bar ( top right of the page under The Consumer Forums) put in Norton Finance PPI, this will throw up threads which will be of interest to you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...
  • 2 weeks later...
Thanks for that I am so ****ed off, what happens now

 

Has 8 weeks passed since you started your claim with Norton ? If so you can now take it to the FOS. Whether or not you have received a final response. Be prepared for a long wait to get an adjudication .

If successful and Norton PPI not able to pay then a claim can be made to the Financial Services Compensation Scheme. ( bit like ABTA/ATOL if a travel company goes burst ). Our 8 weeks was up on 4th Feb no final response from Norton so FOS claim has started. Really impressed with FOS and their advice and understanding.

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  • 3 months later...

I have now made a claim with the fscs. They have written to the lender Blemain Finance. However Blemain Finance will not answer their letters.

 

Delotties who act on behalf of the FSCS have informed me that unless they get this information from Blemain they will not pay compensation.

 

This seems so unfair, what can I do

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  • 1 month later...

I requested the underwriting sheet from Blemain Finance as I know there has been hidden commission paid to a broker. Blemain have tried to fob me off with something I suspect is not the underwriting sheet. What does an underwriting sheet look like, and what should I do now.

 

Thanks

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  • 1 year later...
  • 8 months later...
I requested the underwriting sheet from Blemain Finance as I know there has been hidden commission paid to a broker. Blemain have tried to fob me off with something I suspect is not the underwriting sheet. What does an underwriting sheet look like, and what should I do now.

 

Thanks

 

 

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