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    • Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
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Cooperative PPI on Loans


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Hi All, just received my SAR pack back from Coop (late but I'll forgive them due to bank holidays etc).

 

In it are credit agreements for 3 loans, all are governed by CCA 1974 if that makes any difference.

 

Loan 1 is from 1994 and has PPI, Loan 2 is from 1995 and is barely legible but has premium something which I think must be PPI however loan was £4k then this is another £900 which seems high, Loan 3 is from 2002.

 

Loan 1 was eaten up into Loan 2.

 

My query is that none of the credit agreements I have in front of me gave an option for PPI no tickbox or anything, can this be right? I'm fairly sure it was intimated that the PPI was not optional however its so long ago my memory is sketchy.

 

Advice please? Would I have a case for missell on that ground alone?

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Hi

 

If you weren't given an option and it was put on there regardless then it was mis-sold.

 

All the information you need is in No.1 in my signature and there are spreadsheets at the end to help you work out your claim amount.

 

Send a copy of the completed spreadsheets and a completed fos consumer questionnaire to the lender together with a brief covering letter requiring refund

Edited by ims21

 

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  • 1 month later...

Hi Again, some advice if possible please.

 

Co-op have responded and admitted that they haven't offered the usual high standard of service so have offered a goodwill gesture to cover the last loan PPI payments and 8% interest but go on to say they no longer hold records of the 2 earlier loans so unless I can come up with agreements and statements they can't reimburse those.

 

Firstly they have the agreements because they sent me copies, secondly I don't have statements from these loans as they are so long ago, other than the last 2 years worth of the second loan that again they sent me. Also on the second loan agreement it is written on please clear and close the previous loan, so as far as I'm concerned they have all documentation needed to prove it?

 

Am I fighting a lost cause here?

 

I'm not happy with their offer, they know perfectly well I have paid all my loans off in a timely fashion and have the credit agreements so could quite easily work out what is owed.

 

Do I pass on to the FOS or could anyone offer advice on how I respond please, also what timeframe do I give them, can I call the shots or do they get 8 weeks again? I'm absolutely livid.

 

Thanks for any help offered.

Edited by ATRO
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I have written a quick letter in response as follows, should I put any time limit on them for a response?

 

Dear Sirs,

 

In response to your letter dated 18th July 2012, which was in direct response to my PPI complaint made on 12th June 2012 I enclose the information you claim to not have.

You state in your letter you have no data regarding the first 2 loans yet the information I have enclosed came from yourselves in response to a Subject Access Request I made prior to submitting my PPI complaint.

The 2 loan agreements show that PPI was attached and the second loan agreement has a written note on it signed by C.Turner stating the instruction “Please clear and close personal loan”, this was consolidating the first loan, I have also attached a record of activity of loan account 2 for the final 2 years, once again proving ALL loans were paid off in a timely fashion in accordance with the loan agreements.

As you have already admitted “we are not satisfied that we have provided you with the high standard of service we would expect” I would urge you to respond to me as a matter of urgency.

I have once again enclosed my previous covering letter along with spreadsheet calculations for all 3 loan account PPI.

Further to the above I am requesting a full refund of all my insurance payments, plus interest, which total £5,031.05.

 

 

Yours faithfully

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  • 2 months later...

Having had numerous calls to Coop chasing them I finally got a return call from them on Wednesday.

 

They have agreed to my claim and their figure is just below mine, I am awaiting confirmation and their workings through the post.

 

Thanks all for every bit of help with this.

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Still no letter, rang the customer services and was basically called a liar.

 

Apparently no record of tel conversation and the offer is still being calculated plus they don't give out figures over the phone!

 

Awaiting a call back from a manager as we speak, I'm sick of being given the run around now.

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Well, finally offer has landed on my doorstep, and finally its pretty much right, once i receive the funds I will make a donation!

 

Sent a complaint letter in to customer relations detailing all the troubles I had in dealing with this and having a manager tell me I was a liar, then not having the neck to call me back once it was proved I wasn't.

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