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


  • Tweets

  • Posts

    • Whyisitthis
      B&Q I’m now a shoplifter?

      By Whyisitthis · Posted

      Appreciate the time that has gone into replying. I have read so much about this tonight that hopefully I can be a step ahead.  If I gain a reply from the head office I shall let you guys know. 
    • dx100uk
      80k debt

      By dx100uk · Posted

      yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS. all dca's pull these stunts and have done since the late 1970's
    • dx100uk
      B&Q I’m now a shoplifter?

      By dx100uk · Posted

      just type no need to hit quote. what you really need to do is forget about it now they have  just steer clear of THAT ONE STORE for a few months. other B&Q's are OK. even if you do go back in, they'll simple ask you to leave, then if you return again, could invoke trespass laws BUT WE HAVE NEVER SEEN IT HERE. as for getting out of your tree about police, prison, criminal record, arrested, knocks at doors, letter of claim....NONE OF THE CAN EVER HAPPEN. and has not on these joe public low level shoplifting incidence since 2012. you've already got a scary letter ratchetting on about some mystical FAKE civil restoration scheme .  you'll probably get a few more ...NOTHING THEY CAN EVER DO. bin shred burn give to your pet hamster any money people pay CRS/RLP/DEF etc regarding their letters goes straight into their pocket and off they go down the pub and LAUGH at people they mugged. the retailer never sees a penny.  i admire your action of send £5 to B&Q. its done now and its over with....move on with your live. dx
    • dx100uk
      Backdoor Link CCJ - old Barclaycard debt - Default Judgment set a side - hearing in 2 days - Witness Statement help urgent!

      By dx100uk · Posted

      4.  Under The Pre-Action Protocol 201?, a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior too and including ,The Pre action Protocol Letter of Claim dated 7 January 2020 and the claimform dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 9.   The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2nd February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None were received by the court nor the defendant by that date. re: 13 & 15...they dont need to produce the deed, thats a private b2b document only the judge can demand sight of. i would remove 13 totally as within their WS they have produced the Notice Of Assignment. and delete it from 15 a few ideas. dx  
    • dubai 5 0
      Dubai debt transferred from IDR to J&P

      By dubai 5 0 · Posted

      Underp04 (I think it was him) put up the statement IDR used in court from some supposed expert mr edge. can you find it? It stated 10 years was the statute barred limit but also that the laws were very confusing. very much worth digging out!

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Question on MPPI Paymentshield

Skyrocket1
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2244 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

Skyrocket1

Skyrocket1

Posted
Posted

OK thanks to the help and advice I've received on here, I am underway with my PPI claims (one letter sent and one SAR done!!)

 

My brother asked me about his MPPI which he bought through a broker when he got his mortgage with A &L. It was made clear to him at the time that he had to have this MPPI with Paymentshield so he got it.

He took out the mortgage and MPPI in 2005.

 

A quick google tells me that Paymentshield claim they are very different to the PPI organisations and that there is no point claiming against them as they have not missold.

 

Is this true?

 

My brother would certainly not have gotten this MPPI if he hadn't been made to think it was compulsary.

 

Does he have a claim and if he does, who does he start with? The broker or Paymentshield (that's who the payments are to each month)

Any advice very gratefully received on this!

 

Anybody please?

Link to post
Share on other sites
ims21

ims21

Posted
Posted

Hi

 

MPPI is very similar to PPI and if it was mis-sold then you should at least out in a claim to the company that you were paying the premiums to.

 

I would use the standard approach of spreadsheet of claim and fos questionnaire.

 

Have a look at some other MPPI claims on the site....CAG search facility top right

 

ims

 

Link to post
Share on other sites
Skyrocket1

Skyrocket1

Posted
  • Author
Posted

Thanks Ims. I will have a look.

Just wasn't sure if anyone had anyone on here had any success with this company as there doesn't seem to be much about them on the internet other than a lot of literature from them stating that the MPPI they sell is not like other MPPI and they won't pay out, also that people need to be educated in the difference (which I do!)

Link to post
Share on other sites
ims21

ims21

Posted
Posted

In my view they would say that to put people off reclaiming.

 

If anyone has any suspicion that they have been mis-sold a protection policy on a loan then in my opinion they should try and reclaim.

 

As with anything, there are no guarantees but unless you try you will never know.

 

fos is also a route that is open if the company refuse to cough

 

ims

 

Link to post
Share on other sites
Skyrocket1

Skyrocket1

Posted
  • Author
Posted

Thank you Ims.

I said I would help him with this, even though I'm feeling pretty clueless!

Will email him the link to the spreadsheet.

Can I ask, he knows how much he paid each month to them but how would he go about filling in the spreadsheet? Under you guidance I filled this out for my Barclay card but that was different because it was a store card so I filled in the 'payments out' ie charges and all payments made each month.

For mortgage PPI in this case to a separate company how does he fill in the spreadsheet and is it the 'StatIntSheetV101.xls' he would use for this?

Link to post
Share on other sites
ims21

ims21

Posted
Posted

Yep that's the correct spreadsheet

 

Just list the payments made with the date of payment, the description and the amount. The sheet will do the rest.

 

"Claim to" date is right up to now.

 

ims

 

Link to post
Share on other sites
Skyrocket1

Skyrocket1

Posted
  • Author
Posted

Brilliant. Thank you!

Looks like an afternoon tomorrow filling that in with him then. :)

 

When we looked at the paperwork he had I couldn't find any interest rate for what he was paying then. With the Barclaycard one you had suggested 24.9% (and let them work it out! :lol:) but that seems very high for this. He was paying on average £30 per month and his monthly morgage payments were £680 according to the paperwork I've got here.

What would you suggest we put for this?

Link to post
Share on other sites
ims21

ims21

Posted
Posted

The premium was a separate payment from the mortgage.

 

As it was not part of a loan agreement there is not contractual interest to claim because no interest was paid.

 

If you are successful you will get back the premiums plus 8% statutory interest.

 

ims

 

Link to post
Share on other sites
Skyrocket1

Skyrocket1

Posted
  • Author
Posted

Thank you so much Ims. You're a star.

You're right of course. I think it's my bedtime because I wasn't reading the spreadsheet correctly! :lol:

Off to bed now and start on this tomorrow! It's quite addictive this reclaiming malarkey! :madgrin:

Link to post
Share on other sites
jimbo42

jimbo42

Posted
Posted

Hi there, Im new and googled a similair situation and it brought me here. Id be interested to know how you get on with this as I also took out paymentshield unemployment cover through a broker/solicitor and feel I have been misled. At the time a explained to him my job situation and felt it wasnt the right thing for me as my job is pretty sound (well it was 7 yr ago) and i get full pay on the sick. Now I discover its been for only unemployment not sickness when I told him I wanted neither. The reason I have recently discovered it is because it comes from my partners account and she mistakenly thought the DD was for something else entirely...for 7 yr!:mad2:

 

Would you let us all know how you get on OP?

Link to post
Share on other sites
  • 2 months later...
  • 4 weeks later...
fancypants11

fancypants11

Posted
Posted

I have had the same problems. I got MPPI from Paymentshield back in 2000 via an 'independent' financial advisor in Spicer McColl where I purchased my house. He too told me I had to have MPPI (was my first purchase and I believed him) amongst other things. Have been trying since November to get recompense from either Paymentshield or Mortgages Direct who the agent worked for.

 

As Mortgages Direct weren't registered with the FSA on or after Jan 2005, the FSA can do nothing (apparently).

 

As Paymentshield did not sell me the policy direct they are not liable. The FSA has been looking in to this for 8 months and I have just received my 'sorry we can't help letter'.

 

I have since found out Mortgages Direct come under the umbrella of Spicer McColl but I cannot claim off them either.

 

I hope others have a bit more luck than I did!!

Link to post
Share on other sites
ims21

ims21

Posted
Posted

Hi guys

 

It would be best if you started your own threads with regard to your issues rather than hijack skyrocket's.

 

As a starter though, if fos won't help and if you were paying your MPPI separately you may need to claim from the underwriter as it is likely that your direct debit payments were going to them.

 

Link to post
Share on other sites
  • 5 years later...
dx100uk

dx100uk

Posted
Posted

threadis 6 yrs old you wont get seen here

please start a new thread

 

thread now closed to stop repeated newbie bumping

 

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
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2244 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

Guest
This topic is now closed to further replies.
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...