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    • that was a good saving on an £8k debt dx
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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
    • Seeking further advice now. The 33 days in which the defendant has to submit a defence expires at 16:00 tomorrow. The defendant has submitted an acknowledgement of service but looking to get the claim awarded by default in failure to submit the defence. This is MoneyClaim Online and can see an option to request a default judgement but believe that is for failure to acknowledge the claim within 14 days??  So being MoneyClaim Online, how do I request the claim be awarded in my favour?
    • Have to agree with the above Health and safety legislation is specific in that the service provider in so far as is reasonably practicable, the health, safety and welfare at work of all his employees and those not in the employ of the business. You claim is like saying you slipped in the swimming pool area while taking a dip. As rightly stated by by the leisure centre, a sports hall has dedicated equipment and you yourself personally have a legal obligation in mitigating danger or injury to yourself by taking account of your immediate surroundings. Where your claim will fail is if it is reasonable and proportionate to impose liability of the Leisure Centre? The answer has to be no.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Pinnacle/First National, GE Money


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Hello ajs444,

 

try this link to the FSA register.

 

FSA Register

 

Just type in the name of the firm in firm name window/box and search you will see lilal is correct about the dates. However you have to remember that prior to the FSA taking regulatory control on 14 Jan 2005 these institutions still had to have some regulation usually self regulated through GISC/FLA etc.

 

When the results come up you can click on the left hand red links for more detailed information on any firm you search.

 

Please have a look through any relevant threads in here, big thread lots of information.

 

links

 

There is info here on FLA and GISC.

 

You can also use companies house for info on paradise group please see this.

 

Companies House

 

Go to the right hand side and search company information type in company name paradise group and you will get a list of companies with that name. There are a lot of them:eek:

 

I see on my search that Paradise Group Ltd are at the top of the list company number 05683960q just click on this number and you get yet more information.

 

Now I am not sure if this is the company you have a quibble with but the links may help you find the one you want from any information you already hold.

 

I hope this is of use;)

 

aa

 

 

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 1 year later...

My wife suggesting that I resurrect this claim by going through one of the numerous claims companies. I know the money is lying there ready to be taken but after all the problems 2 years ago I do not have the appetite for doing it myself.

Don\'t let the B**tards grind you down

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Have uncovered a few further documents, welcome to PPI brochure from First National and acceptance of premium from Pinnacle, the policy administrators.

Don\'t let the B**tards grind you down

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So took out loan in Nov. 2001 and £359.57 loaded onto the account for PPI., continued paying at 10.8% interest until July 2007, when loan was paid off.

Anything changed with this lot since I first raised the point with them 2 years ago?

Apart from being taken over by Santander.

Don\'t let the B**tards grind you down

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  • 2 weeks later...

i a trying to claiim from them to, fob off all the time. passing the buck to other companies. i have gone through the fair trade practice to get my money as havent time or frame of mind to do myself at present

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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  • 2 years later...

Hi , I had an agreement with First National which was eventually administered by GE Money, at the point of sale PPI was added for a 5 year policy (2001-2006), the amount paid upfront came to £359.57(APR 15.7%), this was added to the agreement and subsequent repayments.

 

I approached GE back in 2008 and was basically told to p**s off, not our problem, go and chase the issuer of the agreement, but since the original seller and First National no longer exist, the claim has been in limbo in my files.

 

Having done a bit more digging, I have discovered that the premium was paid to Pinnacle Partnerships, based in Borehamwood and having read some threads in this section I can see the name Pinnacle cropping up in several cases.

 

Anyone have contact details for them and would it be worth my while chasing them?

Edited by ajs444

Don\'t let the B**tards grind you down

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