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    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
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harrassed by PPI claims company help please


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I asked a PPI claims company to do a claim for me against Clydesdale Bank, they started the claim but never completed a proper letter of authority. The bank sent me a final response letter offering me a settlement, also stating that as the claims company had not completed the necessary paperwork they would not be informing them of the final response letter. I accepted the banks offer, and now the claims company are harrassing me for payment.

My question is that as the PPI claims company did not do their job and i did most of the correspondence with the bank myself, do I have to pay them anything as they did not actually fulfill their part of the contract. All help will be gratefully appreciated!!

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They trying to say i owe them £1800 which on top of the letter they sent me says the average, if i write to them and ask them for a copy of all work they have done for me must they send me it? The thing that is annoying me is the fact that they DID NOT do the correct paperwork and when i started to use them they said i would have nothing to do as they would do everything for me, which as they did not is surely a breach of contract on their part!!

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Never having used a claims company I cannot be certain, but surely they provided a written document and got you to sign a copy (you have kept your copy of this?) which set out what they would do on your behalf and what they would seek to charge and what that charge was for etc.

 

As far as "the average claim" etc goes, that likely has nothing to do with your situation, and is most likely them trying to talk up their chances, and get you thinking they are due a big fat fee. If they had done the work they would be able to produce it and Clydesdale wouldn't have dealt direct with you.

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The bank sent me a final response letter offering me a settlement, also stating that as the claims company had not completed the necessary paperwork they would not be informing them of the final response letter

therefor the bank delt with you and not with the ripoff company .tuff luck on the company i would wait to see what else the company come back with

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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