LLoyds PPI and Bank Charges REclaim help

[Mr Worried]

Hi dx

 

That is correct my friend however I was just checking as I came accross a re-hashed version, and I did not want to miss out on anything. as to get the best results from my efforts and your's of course:-D.

 

Mr W

[Mr Worried]

Hi All

 

Blumen Heck

 

Got letter 5 mins ago after over 15 calls from xxxxxx last week , told them ' in writing ' letter says (Formal Demand For Payment) usual blarney etc.

 

The acct they refer to I put into dispute 2 yr ago as regards non compliance with a cca request, this acc has done the dca carousel etc.

 

Is there a letter 'explitives removed ' I can send this shower of s++t rather than ignore them.

 

Mr, not easily ruffled

[harrassed senior]

Try the 'bemused' letter

 

Further to your letter dated

I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with xxxxx and has been since

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

.As xxxxxxx is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE.As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Now I would respectfully suggest that this account is returned to xxxxxx for resolution of these defaults and breaches, as you cannot lawfully pursue any enforcement activities.

If you choose to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter.

Also whilst writing I would inform you of the following:

Please be advised that I will only communicate with you in writing.

Furthermore, should it be your intention to arrange a "doorstep Assessment" as per your above mentioned letter please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke License under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Doorway surveillance is available and will be used as evidence.

Regards

[Mr Worried]

Hi HS

 

Copied amended and on way to Robbers, R D of course.

 

Thank you

 

Mr W

[Bazooka Boo]

I'd send it 2nd class just to show them how 'urgent' you perceive this, just get proof of posting.

[kdjkn]

I must admit, I am surprised by Mr's comments as I asked them (Alchemy Org) to represent my claim against Lloyds and they managed to get back over £9000 in refunds and reduce my monthly payments on my current loan by over £120 and all I had to do was complete a questionnaire over the phone and sign a couple of forms. I have since recommended a few friends of mine to them and they have had good service and had refunds which they were happy to accept.

 

I find their fees not bad compared to some firms who charge as much as 40% plus vat and charge an upfront administration fee.

 

If you want to do it yourself fine then do it, but if you use a claims company you would expect to pay.

 

However, in my case we were not in arrears.

[Mr Worried]

Hi All

 

Just wondering!!! is there an easy / best / quickest / most effective way, of claiming PPI and Bank Charges.

 

I have 'sat on this' for a while now as had other crap to sort, now I am back fighting I want to start the process.

 

Cheers

 

Mr

[ims21]

Hi

 

PPI forum is worth a read and start a thread there for that aspect.

 

Bank charges...current account? Loan Account? Credit Card?

 

Might need to give more information and again in the relevant bank forum?

 

ims

[Mr Worried]

Hi

 

Just as I thought.

 

Ta Much

[Mr Worried]

Hi All

 

WoW just when I thought my memory was drifting I have remembered that Lloyds TSB made me transfer an OD into a loan about 5 yr ago? any advice please.

 

Mr W

[BRIGADIER2JCS]

Hi I presume that you signed a CCA 1974#

regulated agreement for the loan???

If so fire off a CCA request to the bank.

[brokebutnotbeatn]

Let sleeping dogs lie if no-one is chasing you? What's on your CRA file?

[Mr Worried]

Let sleeping dogs lie if no-one is chasing you? What's on your CRA file?

 

Oh they are chasing alright.

 

Mr

[Mr Worried]

Hi I presume that you signed a CCA 1974#

regulated agreement for the loan???

If so fire off a CCA request to the bank.

 

Hi Brig, I remember signing something, how about a big fat sar request then which will cover all accounts or should I do them individual?

 

Mr

[cerberusalert]

One SAR is suffice to lloyds for all the information they hold on you as a person which will include all a/cs held.

[BRIGADIER2JCS]

YOu may need to still do the CCA request as there

is no obligation to supply a copy of the agreement

with a SAR, some creditors will but I have yet to see

one included in a Lloyds SAR.

 

Brig.

[Mr Worried]

YOu may need to still do the CCA request as there

is no obligation to supply a copy of the agreement

with a SAR, some creditors will but I have yet to see

one included in a Lloyds SAR.

 

Brig.

 

Hi Brig

 

So that would be a cca for each account? and an Generally an sar?

 

Mr

[Mr Worried]

Hi All

 

I put a tsb account into dispute back in 2009, now Wets are saying despite my iggnorance in not responding to their letters? they have passed acct onto ScotCall who will be making a visit very soon?

 

Ok, accounts in dispute are they still 'ok' shall I start all over again requesting cca? or is that another can of worms?

 

Ta

 

Mr

[citizenB]

There is a draft letter in the CAG library that you can send to Wescloths.. It advises that you do not give permission for a visit .

 

The letter is designed to get you to telephone them. Which of course, unless you can record the call, you shouldnt do.

 

Send the "Do not darken my Doorstep" letter.

 

Then a separate letter - but it can go in the same envelope.

 

You should advise that the account was and still is in dispute and there has been no resolution from the original creditor.

 

If you did not receive a response to your CCA request from LTSB - then yes, request it again. IMHO, you do not need to send another £1.00 as it has already been sent.

 

Do you ahve proof of the original CCA request eg post receipts / postal order receipt ?

[Mr Worried]

Thanks for the quick reply, and yes I have all relevant information regarding the dispute.

[Mr Worried]

Hi All

 

when a claims co makes a claim ( not me ) lets just say they are charging 30% of the claimback

and it is say 4k,

minus £300 what was previously outstanding

and the amount the tax man takes.

say the claim is reduced by 5/600 quid,

is the claims company allowed to take 30% on the full ammount or on the actual payment return figure.?

 

Mate says he has been shafted?

 

Mr

[dx100uk]

yep whats new!!

 

dx

[dx100uk]

tax can only be levied on the 8% stat int portion.

 

dx

[Mr Worried]

Mmmm seems he has a task at hand? I will get figures, or he can join here himself, cheeky bassas took almost £900.00 of a 2800 claim. ne comms from them just a load of hassle , he had to speak with the oc on 27 occasions to be kept in the loop.

 

Mr

[Whoosh]

Mmmm seems he has a task at hand? I will get figures, or he can join here himself, cheeky bassas took almost £900.00 of a 2800 claim. ne comms from them just a load of hassle , he had to speak with the oc on 27 occasions to be kept in the loop.

 

Mr

 

umm yeah, and no doubt he filled in all the paerwork himself too. From what I can work out these cheeky gits send you a fos questionairre and get you to send it back to the oc, so for the cost of a stamp they earn 30% of the claim - nice work if you can get it...