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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
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    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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HSBC old Loan with PIP


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Hi Guys,

i was looking through my old financial files and found an old paid off loan i had with HSBC, now i know that there's been a lot of noise in regards to PPI's and getting the extra paid back.

 

the loan was taken out in 2001 and then re-packaged with the same terms in 2002 - the loan is fully paid nothing is outstanding, but now looking through the old paper work i can see that i was paying for

 

"Credit protection insurance" would i be wrong in assuming that this is not PPI?

and if it is PPI payment how do i go about claim back the money which in the initial loan was 8k and £2,311.67 was added as Credit Protection Insurance Loan on the 7-08-2001 & when it was repackaged it was£8,670 £2,495.56 added as Credit Protection Insurance Loan on the 19th of Nov 2002.

 

I'm curious to know if i have a case and if yes can you please advise on how i can engage with HSBC to get this money back? i really don't want to use one of the firms that advertise on the telly since i don't think they can't be trusted.

 

Any advise is welcome please, i have signed paper work but per say its classed as Credit protection insurance and not Payment protection insurance.

 

Cheers Red11

Edited by red11
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Hi

 

You are 100% right in not using a claims company.

 

Can you say what reasons you might be using for a mis-sale please?

 

You can easily take these people on yourself but let's get to why it may have been mis-sold first.

 

Thanks

 

ims

 

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Hi ims21,

at the time i was advised to take out the insurance as it was needed protection in case i lost my job, which never happen, also i seem to recall that the loan without the protection was far more expensive

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Aha

 

So not only were you were effectively told to take out the insurance but also that they would have penalised you with a higher interest rate had you not taken it.

 

OK so standard procedure would be to complete a fos consumer questionnaire (available from the fos website here http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html).

 

In addition it would be wise to complete a spreadsheet of claim. Have you got the agreement and record of payments for each loan?

 

Also have a read of No.1 in my signature.

 

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Hi ims21,

thanks for your reply got both original agreements the one signed on 7th of August 2001 and then the repackaged agreement dated 19th of Nov 2002, as for record of payments there where DD payments on the 1st loan £213.22 per month and on the second loan £231.16

 

when you say complete a spreadsheet of claims - can you please be a tad more specific?

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when you say complete a spreadsheet of claims - can you please be a tad more specific?

 

Yes, sorry...if you have a read of No.1 in my signature the relevant spreadsheets are at the end. The article at No.1 in my signature will give you the information you need to have a go at the calculations.

 

If/when you get stuck...shout here.

 

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if there is such a thing as time constrains of 6 year to post a claim with my loan dated 2001 and 2002 i've possibly missed the boat..

 

Sorry...missed this one.

 

There is no time limit on PPI claims so don't worry about that.

 

ok, PPI form done, i assume that it needs to be printed and sent over to the FOS i also did the spreadsheet, what happens next? after i send the form to the fos?

 

Your initial approach is to the lender who will have 8 weeks to investigate and give you a decision. Send them the completed fos questionnaire and a print of the spreadsheet together with a brief letter of enclosure requiring a refund.

 

Send it recorded delivery if you can so that you know that they have received it.

 

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cheers for that, couple of questions if i may

 

1) should i send it to any Branch of HSBC? or the local branch where the actual loan was taken out?

2) should i be adding the agreements that i have (of course photo copied)

3) what happens if i get fobbed off (which might be the easier option for them)

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cheers for that, couple of questions if i may

 

1) should i send it to any Branch of HSBC? or the local branch where the actual loan was taken out?

 

If it were me I would send it to their head office

 

2) should i be adding the agreements that i have (of course photo copied)

 

Would do no harm but make sure they get the copies and you keep the originals

 

3) what happens if i get fobbed off (which might be the easier option for them)

 

You can always challenge their decision so cross that bridge when you come to it. There are many documented successes here where the bank have tried a "fob off" but have caved in when challenged.

 

 

ims

 

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forgive me here, but the head office is in Canary Wharf and its operational with no complaints department, a PPI form with some personal info the chances are that it will fall in the bin of some sort, would it be better perhaps call them and ask for their complaint department?

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Canada Square is head office and registered office.

 

That address should get you a signature on delivery.

 

The PPI complaints department is a PO Box number and in my view one should never send recorded mail to a PO box.

 

Up to you but I would bet they have bins at all their addresses.

 

Personally I have always used the registered office addresses and not had a problem.

 

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done all the paper work but i was looking/wondering if there is a template letter that i could use to accompany the form and the spreadsheet

 

 

No there is no template.

 

It is just a simple letter saying something along the lines of ....

 

"I consider that I have been mis-sold PPI on my account(s) numbered xxxxxx so please find enclosed a completed fos questionnaire and my spreadsheet of workings of the amount due. I look forward to hearing from you within the permitted 8 weeks"

 

Nothing fancy just a "here it is, get on with it" type letter.

 

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  • 1 month later...

Hi all,

i sent my information to HSBC via recorded delivery on the 6th of Feb, its now the 10th of March and i had nothing back from them, should i allow more time or if not, whats the next step in escalating this?

 

Cheers Red

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they have 8 weeks

 

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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  • 3 weeks later...

Hi guys,

happy Easter everyone.. just a curiosity I've sent all my info regarding the PPI to HSBC. On the 6th of April it will be 8 weeks and still radio silence from the bank, or their PPI department (if they have such place) what would be the next step? if any.

 

Cheers

 

Red

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Check RM online, to see if pack was signed for!

Recorded is not a tracked service and not guaranteed delivery, goes in with normal mail, and easy for it to be 'lost'

Special Delivery is the way to go as its tracked

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Hi Lucksic,

yeah checked if it was delivered to their main office and it was as per receipt from the royal mail on their online portal, so the form(s) and letter have been receipted.

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quick phonecall prob.

 

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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