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    • USA seems to be mainly Pfizer, and J & J think they also have Moderna.   this was March in NY Times   These Covid Vaccines Are Now in the U.S. Others May Be Coming. - The New York Times WWW.NYTIMES.COM Two vaccines are in wide use, a third is getting there, and there may soon be more alternatives. Here is a rundown. This was State of Virginia https://www.vdh.virginia.gov/content/uploads/sites/191/2021/03/VDH-Vaccine-flyer-compare-vaccines.pdf     UK Gov MHRA JCVI have relied on the US data with no special investigation of their own apparently  MHRA is funded by the Bill & Melinda Gates Foundation, so is there a conflict of interest?
    • Hi,    Here's the story, bit of a tricky one.    I purchased a 17 plate Ford Fiesta from Car Supermarket in Sept 2019 on a HP agreement with Startline.    2 days after the car was delivered, the engine management light came on. I called the dealer who advised me that the car still has manufacturers warranty. As my closest ford centre was over an hour away, the only time I could get there was in March 2020. They advised me that I needed a new catalytic converter but it had to be ordered. I drove my car home and was waiting for a call from them to get booked in after the part arrived. Well a week or so after my original appointment, we went into a COVID-19 lockdown. I did not actually hear from the garage again.    Sept 2020 comes around and now my car is out of warranty but my engine management light is still on. A recent diagnosis that ford asked me to do quoted the work at around £1k!   I am now trying to put a claim through Ford Goodwill as they looked at the car while it was still in warranty and it did not get repaired through no fault of my own. However, the ford centre I took it to has now closed and they can't find the record of my visit. So this is looking very unlikely to be successful.    I contacted the garage I purchased the car from and they are saying that it has been too long to do anything about it. But the fact that the light came on 2 days after I got the car tells me it was turned off before hand and the pre delivery inspection was not thorough. I have also contacted Startline who have told me they can't help me.    Furthermore, a car should not even need a new catalytic converter at 4 years old, let alone 2 years!    What do you guys suggest that I do? 
    • I find this all very concerning that contracts have been agreed without going through a process that ensures integrity is maintained. 
    • Hi,    Here's the story, bit of a tricky one.    I purchased a 17 plate Ford Fiesta from Car Supermarket in Sept 2019 on a HP agreement with Startline.    2 days after the car was delivered, the engine management light came on. I called the dealer who advised me that the car still has manufacturers warranty. As my closest ford centre was over an hour away, the only time I could get there was in March 2020. They advised me that I needed a new catalytic converter but it had to be ordered. I drove my car home and was waiting for a call from them to get booked in after the part arrived. Well a week or so after my original appointment, we went into a COVID-19 lockdown. I did not actually hear from the garage again.    Sept 2020 comes around and now my car is out of warranty but my engine management light is still on. A recent diagnosis that ford asked me to do quoted the work at around £1k!   I am now trying to put a claim through Ford Goodwill as they looked at the car while it was still in warranty and it did not get repaired through no fault of my own. However, the ford centre I took it to has now closed and they can't find the record of my visit. So this is looking very unlikely to be successful.    I contacted the garage I purchased the car from and they are saying that it has been too long to do anything about it. But the fact that the light came on 2 days after I got the car tells me it was turned off before hand and the pre delivery inspection was not thorough. I have also contacted Startline who have told me they can't help me.    Furthermore, a car should not even need a new catalytic converter at 4 years old, let alone 2 years!    What do you guys suggest that I do? 
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ge money ppi


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Hi,

 

Need help with a ppi claim for igroup-gemoney.

 

Had a loan in 2004 and paid off in 2007,

we were going to go through claims company,

but they have binned this because the finance company who we went through apparently no longer exist

and as it was prior to 2005 they say they can do nothing.

 

Is there anything we can do ourselves

 

i have a copy of the agreements and the original form filled in,

we have ppi on it but we told to tick this box:?: as it would help our application.

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Hi

 

Well you had a luck escape with the claims company. They can do nothing that you can't do for yourself.

 

GE can be a tough nut to crack.

 

Is you agreement regulated by the CCA 1974?

 

Always start your claim with the lender.

 

Go to the fos website and download their consumer questionnaire and complete it.

 

Have a read of No.1 in my signature which will give you details and spreadsheet on how to work out the claim amount.

 

When you have done your spreadsheet and questionnaire send them to GE with a brief covering letter requiring refund. They will have 8 weeks to respond and give you a decision. Don't forget to keep copiesof what you send and of you can, send the stuff recorded delivery so you can track receipt.

 

ims

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also can any one help me Black Horse finance, i have today received a letter from them stating that they will give me a full refund of ppi + interest but say i am in arrears with then account.. I no longer pay Black Horse as i received a letter from Direct Legal Collections stating they had taken over this account last September. Should i receive all this money back? Your advise would be appreciated.

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also can any one help me Black Horse finance, i have today received a letter from them stating that they will give me a full refund of ppi + interest but say i am in arrears with then account.. I no longer pay Black Horse as i received a letter from Direct Legal Collections stating they had taken over this account last September. Should i receive all this money back? Your advise would be appreciated.

 

If the BH debt has been sold then they cannot set-off.

 

If BH still own the debt and DLC are collecting on behalf of Black Horse then they can set off against notified arrears only.

 

You need to check and see if the debt was sold on.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

Read Here

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Read Here

7. Thinking of a Full & Final Settlement?

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Is it still under BH on your CRA file?

 

Also check the letter you referred to...what is the wording on it?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Can see Black Horse, the wording was basically as from Sept 2011 i no longer pay Black Horse all payments to go through them, cannot remeber anything else and cannot find letter, should i contact Direct legal and see what they say?

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No need to contact DLC

 

If BH are showing on your CRA file then they are still the owner and can set off against notified arrears.

 

If it were me I'd drop DLC from the loop and make your payments to BH.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Result, have just found the letter from Black Horse notifying us of the Sale of the Debt to Hillesden Securities trading as Direct Legal Collections on 24/08/2011.

 

In it they state the following.

 

We hereby give notice of the assigment of the debt due to us from you in respect of Balance £####.## oustanding on your Black Horse Account.

On the 24/08/2011 your acount was sold to dlc.

 

Any further communications and payments including payments under exsisting arrangements with Black Horse Ltd must therefore be addressed to direct legal & collections at

 

 

then there address.

 

 

Does this mean we can now tell Black Horse that all monies to be paid to us?

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Does this mean we can now tell Black Horse that all monies to be paid to us?

 

Yes

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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No worries.....that's what we're here for.

 

Wonder why DLC haven't updated your CRA file to show themselves being the new owner...still, not a major issue

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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will send letter and ring Black Horse after Bank Holiday and ask them to readjust the figures they have sent me, will i need to send them a copy of the letters i have, do you think, i do not want to sign this other one, and send it back as they may take that as acceptance.

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Have you checked whether their offer figures in total are correct? If you are happy with the amount of redress then you can accept the figures in principle but in the same letter you tell them that as they no longer own the debt/account then there is no right of set-off and that the full amount must be paid to you and you look forward to receiving their cheque for the full amount due.

 

Should you need it there is case law on this....

 

The case of Edlington Properties v. Fenner & Co. Ltd [2005] EWHC 2158 (QB) affirms this position that the assignor has no right of set-off to a third party (assignee) for a damages claim brought against it post-assignment, as any equitable set-off in this regard is personal in nature and the debt sold is not transferred subject to it.

  • Confused 1

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 6 months later...

Hi I purchased my loans inclusive of missold ppis from freedom finance....I was totally unaware that the ppi provided was from the following companies... who no longer trade...they were Caracass and Bespoke... both of them together cost myself 8000 pounds... does anyone know of a way to continue to claim against these people.

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  • 5 months later...
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