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    • Thanks dx, will do this tomorrow morning when I have access to a pc (find it easier and quicker than my mobile). Just having a good old read through similar threads atm. Wow some of this jargon is hard to take in 😳.  Thank you for your support x
    • please complete this:   and scan up bothsides of your NTK read upload carefully PDF only please!!   safe to ignore powerless DCA's they are not bailiffs  
    • yes ring the court and get it moved directions might stay the same though for fee/WS exchange mind.   dx   dx  
    • Driver entered car park run by CEL Ltd . Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods a couple of miles away .   I have a copy of a collection of goods note with an approximate time on it   Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning    ANPR cameras registered first entry and last exit    Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere !   Been to site itself . No signs at entrance . When entering from main road nothing !   Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left .   After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that !   This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt    The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness   The pack of lozenges cost £185 !   Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimida ted . Very stressful ! Any  advice please ? I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
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pcassie

GE Money and Central capital Help needed

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i am seeking help from anyone on the forum who may be able to help with this difficult PPI claim against GE Money and Central Capital.

 

we borrowed a total of £183,292 remortgaged in november 2005. during a time of financial dificulties, we applied for the mortgage through Central Capital , and GE money approved the mortgage,

the total amount borrowed includes paying off for 2 other mortgages. other charges on the agreement is: central capital £1,995, GE money £25, processing and completion costs £575, telegraphic tramsfer fee, £50. and Central Capital Limited£6197. Further letters from Central capital outlining the PPI details are as follow, Premium £5901.88, Insurance premium tax £295, Total premium £6197.12. it also confrim that at present interest rate the total amount payable for this insurance will be £10,389,60. I still have the PPI insurance certificate ,issued by wessex group, which expires november2010 , and confirm single premium of £6,197. I wrote to Central capital back in 2009, recieved rejection letter from them , tried to contact them by telephone ,but told at the time they were no longer in buisness . I left it took no further action.

 

i contacted both GE money and Central Capital again in May 2012, after realising they were still in buisness with slight name change, GE money first response letter was to denied PPI is added to the mortgage, and stated i may have negotiate this with the Broker,and have recieved x3 standard letters of refusal , and directed to the ombudsman

Central Trust claimed that i have exausted my claim , and stated i also will not be able to go to omsbudsman because its past the 6months limit to refer.

I then decided to send a final letter of action to both, on 8/1/13,

GE MONEY stated they are unable to consider the case any further , and again refer me to FOS.

Central Capital -they have already investigated and do not intend to undertake any further actions, they stated that that i am free to go o the courts, and sent me their Soliciters details, they conclude that if i chose court action, they will seek to have the matter struck out as statute barred, in accordance with limitation act 1980. and they will seek to recover any legal cost they incur as a result of such application from me.

Ihave recieved full SAR from both.

I am currently paying £960 monthly to GE Money , and now owed about £130,000

Any one can advice me what to do next, I am vey inexperience when it gets to the Legal side.

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any help in what charges i can press against them in the courts?

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What are the reasons you gave for the mis-sale?

 

If you go to court for mis-selling, the onus of proof of mis-selling will be on you as the claimant (civil burden on the balance of probability)

 

You would also have to rely on the provisions fo S32(1)© of the Limitations Act 1980 for payments made under a mistake if they are going to say that your action is time barred.

 

Your court claim would need to be against the broker although S56 of the Consumer Credit Act is worth reading regarding a principal being responsible for the actions and representations of its agents etc.


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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Hello again ,its been some years since I wrote to you regarding the above complaint re GE money and Central Capital , I have since passed on the complaint to the FOB services who have thankfully ruled in my favour , I have since heard from Central Trust to advise me they are in the process of calculating compensation due and this will take up to 8 weeks, I would like your assistance in giving me a rough guide as to how much I should expect. The original amount borrowed is £183,292 over 20yrs, PPI was £6197 with added interest total PPI, £10,389,50. interest were 5.000% fixed for 2 years then 5.750 thereafter, I am still paying for this mortgage to GE money at £960 per month and last statement shows that I still owe £124.000. Please give me an indication what offer I should expect from Central Capital. I would advise anyone with PPI with these company never give up and take the complaint to the FOS . awaiting your response.

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Have a read of the item listed as No.1 in my signature.

 

All of the information is there on how to calculate the amounts.


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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thanks I am still having problems with the calculation, anyway I will wait for the offer then get back in touch,

I have made a donation.

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hi there , I need some further advice on the above matter ,

I got an offer of redress from Central Trust today, a total of £8,728,78, the calculation is PPI payment £3,694 plus £1,321,19 of 8% interest tax on interest £264.24 , subtotal = £4,751.51. then a further £3,977.27 was added to reschedule the loan going forward without the cost of PPI, making a total amount of redress to £8,728,78. They claimed that they are unable to fully restructure the loan without the cost of the PPI cover going forward due to previous arrears on the account, therefore in accordance with DISP App 3.7.41 (a) (ii) they intend to make the entire redress payment directly to me, in accordance with DISP 3.7.41b. Please advice me if this information is correct , or shall I contact the Financial Ombudsman or citizen Advice service,

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Their principle is correct but whether the figures are correct is another matter.

 

You would need to use the information previously linked so that you can work out whether their figure is correct. There is a spreadsheet in that link which will do the calculations for you.

 

The basis of your maths will be the use of percentages so you need to work out what percentage of the total loan was for the PPI part of the loan and then apply that percentage to the monthly repayments you have made. You then use the spreadsheet for the monthly PPI payments up to the date that the offer was made.

 

Then you need to work out what the as yet unpaid PPI in the loan is so that you can check whether the restructured part of their calculation is correct.


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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