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    • Do you have a previous thread about this case, lindyhop? I don't think we can advise in isolation.   HB
    • Hi Looking for help to write a letter to the courts, following agreement by the other party (claimant) to allow an extension so that i can formalise my defence.    
    • So I will plead guilty and attend court. When they ask me if I have any further thing to say, I'm planning to write it down, bring it with me so that I don't get freak out. Could you help me review it?   Dear your Honor and the TfL team,   My name is [...]. I have been studying in the UK for nearly 9 years, currently holding a Tier 4 Student Visa.   I am attending the court today for fare evasion charges that I have committed and feel ashamed for what I did. What I did was not appropriate and has caused trouble for TfL and the public purse themselves; therefore, please consider my most sincere apologies. This is my first and my last ever offence that I will ever committed.   Over the course since this happened, I have been considering on how to get back on track and be a better person for the society and for myself. I have been obeying TfL policy ever since and do not plan to repeat my crime ever again. I also want you to please consider my mitigation circumstances upon my punishment, I have been in the country for a long time for my academic research and planning to apply for a leave to remain after my study finishes, this can affect largely to my application. I am half way to my Doctorate research and I really hope that I can continue to finish my research. If there is a conviction on my record, there is a chance that my university will reconsider and postpone my research which will be devastating for my academic development which my parents have heavily invested in. Moreover, because I have been spending all my time in the country, if I then come back to my country ,I will be more lost because I have developed into the custom. My parents are now all retired and I hope after finishing my studies,I can get a good job to support them, with this conviction on my record, it will be more difficult for myself to find a good job in order to repay for what my parents have done for me.   I hope you can please consider my plea, I will be more than grateful to pay for all the unpaid fare and administration cost for the court and TfL.   Once again, thank you for listening and I apologise for my behaviour 
    • I said I want to start a change back, I said it was fraud, passed to 2 departments, and they said nothing could be done. They wish they could.   Don't use your mobile one handed and push up the screen with out thinking a cash grab is at work.
    • I think it's certainly snake oil, and may just be an enormous bluff. Cireco is not registered with ICO, nor is it named as a trading name of RLP (which it should if they claim it's under their registration).  They can't process data without consent, and I don't think their silly 'shoplifting register' falls under the data processing exemption for crime prevention or legal reasons, since all are just unsubstantiated allegations.   
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hello i am going to reclaim ppi from an old tsb account had a few loans

plus i have a tsb creditcard account that has been sold onto a debt recovery agency

 

any advice greatly appreciated

 

i was thinking of putting in a sar to start with is this the way to go

 

and will a sar get me all the info i need ty in advance

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yep sar each 'bank'

 

you only need one per 'bank' not one per account.

 

dx


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Single Premium PPI Q&A Read Here

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There is no limit as to how far back you can claim


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

 

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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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Contractual limitation periods in Scotland are different to England and Wales.

In E/W the limitation is 6 years from the date of the breach. For money paid under a mistake, the limitation is 6 years from the date on which you discovered the mistake - you could reasonably have done so.

 

In Scotland the Limitation period is 5 years - from the date that you discovered the breach. In other words, the Scottish contract Limitation operates the same way as the mistake limitation in E/W. Time only begins to run from the date that you discovered the breach - could reasonably have done so.

 

The answer to your question is that in resepct of PPI - money paid under a mistake, - the Scottish limitation is 5 years from the date you disovered the mistake - or could reasonably have done so.


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hello bankfodder does this mean that i cant reclaim for a loan taken out in 27 10 2000 ty

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Yes you can


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.

 

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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

 

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Just to add, that whil in E/W you can go back as long as you want - as long as you start your action within the limitation period, Scottish limitation - called Prescription, is subject to a longstop of 20 years.

 

In other words, you would have 5 years to begin your action but you could only claim for damage suffered during the previous 20 years.


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I know someone in Edinburgh who was awarded 18 years back payments of PPI from HBOS.


 
 

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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ty ims21 and bankfodder i have 2 personal loan agreements with the figures at hand is there a system i can use to calculate how much i can claim back my reason for claiming is i was told i would need to take this out to get the loan also on my ltsb one there is a pre ticked box i read somewhere on here that this was not right any advice be greatly appreciatted

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Have a read of No.1 in my signature and use this spreadsheet to help you work out your claim amount

 

StatIntSheet v101.xls


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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cash loan 5900

add total charge for credit for cash loan 2192.80

total amount you pay for cash loan 8092.80

insurance loan (cash price for insurance) 1256.91

add total charge for credit for insurance loan 467.49

total amount you pay for insurance loan 1724.40

60 monthly payments of 163.62

 

starting on 27th nov 2000

 

annual percentage rate 14.0 %

monthly interest rate 1.101 %

total loan 7156.91

 

total charge for credit for total loan

the total charge for credit 2660.29

total amount to pay 9817.20

 

 

hello guys findind this hard to work out can one of you do the sums please how much i can claim plus interest ty

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Did the loan run its full, natural course?


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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Ok

 

You will need this spreadsheet

 

StatIntSheet v101.xls

 

The PPI loan was 17.56% of the total so 17.56% of each of your monthly payments were for the PPI = £28.73.

 

List the 60 payments of £28.73 in the spreadsheet giving the date of the payment, a description (i.e. "PPI Payment") and the amount. The spreadsheet will do the rest for you.

 

Go along to the fos website and download a copy of their consumer questionnaire and complete it.

 

Send the completed questionnaire and a print of the completed spreadsheet to the lender with a letter requiring refund.

 

They will have 8 weeks to investigate and give you a final decision.

 

ims


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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one more question this was a joint application so will both of us have to claim sorry 2 questions i have my mortgage with this lender will they try and hassle me does this happen its wth the scallyfax ty

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They are not allowed to take any retaliatory action.

 

As regards joint loans, the fos form provides for this so nothing special really needs to be done.

 

ims


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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i am writing to you today in relation to your complaint about your ppi policy

after considering the evidence and documentation/information available to me,i have not found

sufficient evidence to agree with your allegation that your ppi policy was mis-sold.as such

i am unable to uphold your complaint

 

as part of my review, i have considered whether you were eligible for the policy and whether the

policy was suitable for you. i have also taken into account each the concern you raised with us in

your complaint and i can confirm that i did not identify any other issues when reviewing your file.

 

having completed all of these steps, i went on to look at your complaint as a whole to ensure that

we acted fairly towards you in relation to the sale of your ppi policy,giving appropriate weight and

balanced consideration to all available evidence including any further information supplied by you.

 

i am sorry that you felt the need to complain about your ppi policy and appreciate that my

decision may be of dissapointment to you. however, i can assure you that i have fully

investigated your complaint and all the surronding circumstances.

 

YOUR COMPLAINT

 

during your telephone call on 27 april 2012 you said :

 

1) you were told you had to have ppi in order to get the loan

 

FINDINGS

 

in order to address the concern you have raised, i have reviewed all the available sale related

evidence. ihave established that you applied for your loan ppi policy on the telephone around 20

april 2004

 

to further assist my investigation i have also taken the following into consideration:

 

YOUR COMPLAINT LETTER (none sent )

your consumer credit agreement

our knowledge of our sales process and documentation at the time

your sales documentation

 

it should be noted that prior to 2005 the sale of ppi was not regulated by the financial services

authority ( FSA ). however,we are members of the general insurance standards council

(GISC) which expected its members to act fairly and reasonably when towards a customer.

 

for clarity i have addressed your complaint under the following headings.

 

OPTIONALITY

 

i can confirm that it has never been a requirment to take out a ppi policy in order for a loan

application to be accepted. in addition, taking out a ppi policy would not have improved the

chances of your application being accepted

 

i am also aware that the consumer credit agreement clearly demonstrated to you that your ppi

was optional and i have concluded that the adviser did not mislead you in any way.

i have therefore came to the conclusion that you were made aware of the optional nature of your

ppi policy

 

conclusion

 

in light of my findings,i feel that our advicer acted fairly and reasonably throughout the sale.

 

i believe that the information provided at the time of sale was a fair presentation of the features of

the policy and explained the policy exclusions and the total cost of the insurance. i am also of the

opinion that it was clear,fair and not misleading therefor allowing you to make a fully informed

choice.

 

my review has not highlighted any failings with the sale that would lead me to believe your

decision to purchase the ppi policy would have changed.

 

i trust that i have clearly explained the reasons for my decision, however, if youdo not agree with

my decision please contact us on ------------ or write in providing further supporting evidence

to support your claim. i will consider any additional information and advise you whether it

changes my decision.if i do not hear from you within twenty eight days from the date of this letter

i will close your complaint and consider it resolved.

 

 

LETTER DATED O7 JUNE 2012

 

in the event that you remain unhappy with my decision ,you have the right to refer your complaint

to the (FOS) any referal to FOS must be made within six months of the date of this letter

i enclose a copy of fos leaflet about its services

 

is this a standard reply letter

can holes be picked in it

what do i do next

 

THE PERSON WHO TOOK OUT THIS LOAN WAS PAID IF THEY WERE OFF WORK is this a reason to be mis sold

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biggest load of crap i've ever read:

 

considering whether you were or were not elegiable for the PPI is none of his business,

his 'speculation' does not 'null' any facst you have used toward it being mis-sold.

just saying this to further put you off quesioning his decission.

 

the 'fact' of the matter is HE WAS NOT THERE, and is solely 'assuming' the correct process was carried out.

 

as there is NO transcript of the phone call then again this is 'pure speculation' and 'assumption' on his behalf.

 

it is a very well know fact that staff were on commission to sell PPI on a bonus basis.

unless he can PRODUCE the transcript

simply reply refuting all he says.

 

as for the 'no complaint letter bit'

point out that the FOS CQ contains everything in the format recognised by every other financial ints in relation to a PPI claim

a complaint letter is not needed.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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sorry m8 by the complaint letter i meant i never sent one ty for your reply

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you didnt need too!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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