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    • Hi All,   I would really appreciate any help in this. I want to stop paying this and am wondering if I need to offer F&F or if I am good just stop paying. A few details first:   1.DMP with StepChange started circa 2010 2.Have been paying every month since 3.Want to stop paying/clear as want a new mortgage in the next 9 months or so 4. None are currently showing on my credit file   And the finer detail:     * = these were on my credit file until recently. I complained stating that they should have been defaulted as it was unfair. They have stopped reporting now - but werent able to add a retrospective default date.   I havent made any enquiries about CCA's etc. I want to just stop paying but also cant have any of them appearing on my credit file as need another mortgage etc. I understand most will likely not have a CCA but there is one overdraft related entry so not sure what to do about that one. Also I think they could CCJ but can they start reporting again - I know the ones with a default date cant but can the others?   Hopefully thats enough info. Would really appreciate your excellent guidance   Many thanks    
    • This sites getting less and less accessible every week   Got my vaccination invite over weekend   despite living on the edge of a large town with a number of other large towns just a few miles away in various directions, and a 'university' city only 8 miles away, nearest center with any vaccines is about a 10 mile drive away in a small village. Interesting that the maps link showing you the locations for my nearest (sic) vaccination points are wrong - this is from the NHS vaccine booking site.   Once you have selected a location to see when vaccinations are available, it also wont let you go back to select another location, and if you just close the page down (without booking) and open the site again and put in your identification data, its gives you a 'you have failed to attend and will have to book both appointments again' message - despite not booking anything. - wonder if thats how they've counted 20 million vaccinations?   Checked with 3 local surgeries including my own asking why none of them are an option and two haven't had any vaccines for over a week and haven't even been able to book all their own vulnerable for a vaccine, other has vaccine but is only booking its own priority people   Makes me think the claim of 20 million vaccinated is complete and utter 'Johnson      
    • there is a difference.........   pass = IGNORE a DCA (we write on behalf of our client xxx bank etc)   SELL = the original creditors issues a default notice, then latterly sells it on..if that happens there must be something seriously WRONG with a debt of + £10K if they do...won't happen IMHO. (you will get a Notice of Assignment - stating xxx bank etc have now sold the debt to us)   TBH: the quicker you get the pro rata plan running, the quicker the OC's might issue default notices (but not sell) and the quicker those DN's reach their 6th Birthday..... when the whole debt vanishes from your credit file preventing you from moving forward again...doesn't mean the debt is not still owed, just that prospective creditors can't see the debt anymore.   ok it's a 6yrs plan as such, but if you were to be honest to yourself, things are not going improve any in the short term so it's better to take control of YOUR money now and plan well ahead rather than worrying forever.   dx          
    • Hey,   I was hoping for a bit of help with a really old Talk Talk debt and BW Legal.   The debt is from 2014. I'm not sure that it qualifies as statute barred? I haven't heard off them for years, but within the past 6 months or so, they've been sending me their standard debt collection letters and emails. I have just ignored them and I haven't formally acknowledged the debt. However, recently they've been threatening to issue court proceedings, so I thought I would like to try and get them sorted out.   Am I right in thinking that this type of debt it an unregulated debt? As in it wouldn't be covered by the Consumer Credit Act? If that is the case, is there any precedence for doing a SAR request to ask for a copy of an agreement to provide their services? I am assuming that they would rely on some sort of original agreement between myself and Talk Talk to provide services?   Would It be worth doing a DSAR instead?   I am familiar with doing SARs for consumer debt, like loans and cards, but I haven't done one for a utility debt. Would someone be able to point me in the right direction please?   Many thanks 😀
    • Particular Of claim   1. By an agreement between Lloyds Banking Group & the defendant on or around 13/05/2003 (“the agreement”) Lloyds Banking Group agreed to loan the defendant monies.   2. The defendant did not pay the instalments as they fell due. The agreement was terminated following service of a default notice.   3. The agreement was assigned to the claimant.   4. THE CLAIMANT THEREFORE CLAIMS: 1) £8704.42 2) COSTS     Defence   The Defendant contends that the particulars of claims are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made.   1.The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) – failed to serve a letter of claim pre-claim pursuant to PAPDC changes of the 1st October 2017.It is admitted that the claimant has sent details of a current account with an unknown account number but has no connection to this this claim or alleged debt. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. Paragraph 1 is noted. I have in the past had financial dealings with Lloyds Banking Group. I do not recall the details of alleged debt the claimant refers to nor have they referred to any account number within its particulars. I have therefore sought clarity from the claimant and requested further in formation which at this time they failed to comply to my request.   3. Paragraph 2 is noted. However, as above the alleged debt is still unknown and further I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974.   4.Paragraph 3 is noted. As above as the debt is unknown its immaterial and I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925.   5. On receipt of this claim I sent CPR 31.14 and section 77 request. The claimant has failed to comply with either requests and in particular my section 77 request and provide a valid copy of the agreement and therefore remains in default of my request and is prevented from enforcing the agreement they wish to rely on.   7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:-   a) show how the Defendant has entered into an agreement; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice/Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.               1. I have in the past had financial dealings with Lloyds Banking Group. I do not recall the precise details of the agreement and have sought clarity from the claimant.   2. However, I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Hi,

 

received a cheque from Halifax for CC PPI from 2001-2011. Total premium paid was £2900 and they z have paid me £2200 interest. Im guessing this is simple interest when I should have argued for compound interest? Is it too late for me to pursue this any further as I have not signed anything they just sent me the cheque?

 

I'm guessing I have missed out on a good few grand because of this as the card always had a big balance:|

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You can write and thank them for the part payment they have sent you and ask when you can expect the balance calculated using compound interest.

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  • 6 months later...

Hi,

 

Need a wee bit of advice around a 3 rollover loan 2x halifax with PPI going into a secured consolidation loan without PPI. I submitted a claim on the grounds of a pre existing health condition whch was not taken into account regarding the suitability of the PPI for me, being misled that it would improve my chances of being given the loan and a couple of other ones which on reflection did not really portray the crap selling of this policy to me.

 

I received a very long winded refusal letter which picked at each point of my complaint such as : my med condition did not prevent me making full use of the policy. I think this is a rather generic response designed to put people off but I am not going to back down, the seller definately misled me and I suspect the payout would be quite substantial. I intend to appeal with more details as to why the policy was unnescessary for my circumstances such as permanent contract with excellent sick pay etc but would really appreciate it if anyone can point me to the best style of response? I could scan and post up the letter but dont know if that is asking too much of people??

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Hi

 

Two threads merged and tidied.

 

Yes please post up their refusal. Remember to take out all personal information first though.

 

Do you by any chance have a copy of the policy which details what it would have paid out on and the various exclusions?

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

 

 

 

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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

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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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... 

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Here is the letter of refusal to which I need help replying to, I don't recall getting any explanations of the medical exclusions and the fecker even responded "I can't say it will and I can't say it won't" when asked directly if ppi would improve my chances of the loan being approved.:mad2: I hope the PDF works!

 

[ATTACH=CONFIG]38208[/ATTACH]

Edited by panzer
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sticky label can be seen through [att unpproved]

 

please follow the guide

 

use the PAINT prog before you pdf it

 

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... 

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was there anyone else present during the meeting with the advisor?

was this in a closed room?

 

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... 

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Hi,

 

Please can someone take a look at the attached letter

stating the reasons I felt I was mis sold PPI on two loans and Halifax's response.

 

When I took the loans out it was a hurried process from their part and nothing was explained in detail around the policy or it's exclusions,

I was in full time, permanent employment with excellent sickness benefits but this was not asked about at all.

 

During the consultation for the first one I explicitly asked the seller if my taking out the PPI would improve the chances of success

and was given an answer of "I can't say it will and can't say it wont" which was completely wrong.

 

I know I can't prove this part but ANY advice or additional angles that would prove useful in my appealing this decision would be brilliant as I am really struggling at the moment.

 

In particular I had taken time off work prior to applying for the loan and my most likely claiming reason( anxiety /depression)

would have meant it would not have paid my installments at all, but again none of this was explained.

 

I am happy to submit a SAR with my appeal as the FOS would need this info but would hope they would reconsider their decision.

 

Apologies to admin as I have started and severely messed up a previous thread a while ago but thought it better to start this afresh.

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that is their standard fob off reply.

 

you should challenge it

 

do you have the full amount of PPI paid etc and interest rates charged? if not then SAR them for the information and complete a full FOS PPI reclaim form and do your own spreadsheet to reclaim.

 

Others will be along later with more info I am sure.

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Have a read of Appendix 1 of the FSA handbook here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?305682-FSA-Handbook

 

You will find some useful snippets in there that you can use.

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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IMHO i would simply say

 

please find enc an SAR

 

You 'appear' to be commenting on what 'you think' happened, given your 'sales process' at the time.

 

IMHO this a pure 'speculation' on your behalf.

 

however, i am entitled to see the documents you are relying upon

hence the SAR.

 

i formally REJECT your findings, you WERE NOT THERE.

 

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... 

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  • 4 weeks later...

Just submitting a claim to Halifax for a mortgage PPI policy sold to me in 2000, it is a seperate premium of £15 per month but I am unsure what compensatory interest to claim ?

 

144( months) x £15 =£ 2160 but what to add then ?? 8% simple interest is I think £172.80 so the total = £2332.80, this sound right guys.

 

Thanks

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  • 3 weeks later...

Well the idiots lost the first letter I sent despite signing for it but

 

spoke to them this morning and they received it's replacement sent last week and

 

have upheld my complaint !!

 

Just need to wait for their offer,

 

Not sure what to expect as it looks like

 

I paid £270 and £530 PPI in 2001 and 2003 respectively with no signs of rebate from the SAR docs into the second loan when I refinanced it

or anything back from the second one when it was settled.

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i hope you've done a spreadsheet

 

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... 

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I am no expert, I too have ppi from Halifax which I will be claiming, I just read their refusal letter, did anyone notice that they did not address point 6??

Is that not important?

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  • 1 month later...

Just got a refusal letter from Halifax as the PPI policy was sold to me by a broker, they have advised me to approach the Financial Services compensation service?? Do they generally pay out???

 

I kind of see their point but shouldn't they have ensured the people they allowed to sell their products did so in an ethical way?? plus they have taken grands off me so why should someone else repay this??

 

The broker still operates so can action be taken against them?

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cetainly, the advisor wold have made a healthy commission out of you too.

 

broker? how was this mortgage sold to you in halifax branch?

 

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... 

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At a brokers in Liverpool, mortgage was with alliance and leicster. Got stitched up with loads of policies, income protection, PPI , critical illness etc, must have paid for his holiday with all the commission he got off us. Young and naive !

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p'haps an sar is in order

 

you can reclaim all those in one go.

 

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... 

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cant see why not

 

they were all sold to you in a closed room withno-one else present

you were told you had to have them i take it?

 

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... 

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