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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Can you appeal a PPI amount after you have accepted the offer?


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Hi All

 

I'm very new to this and forums so here goes.

My partner called RBS up to get details of PPI account numbers she had on a chain of loans.

She was given the information and the staff member took her through the process over the phone for claimback.

About 1 week later we received letter with 5 offers for each part of the loan chain.

We looked at the offer and the way it was presented looked reasonable. They stated on each offer that "the bank is prepared to refund the insurance premiums and interest that you have paid"

 

However, while chasing details for a mortgage with a different department the staff member said if we would like he would send us copies of all the ppi we have with RBS.

We received this today and the accounts (which I mention above and have accepted the offers and been paid) have much higher premiums paid that stated in the acceptance letter.

 

My question - at long last - is

 

We have accepted the offers and been paid - do we have any grounds to now appeal this on the grounds that

a) they didn't give us the entire facts

b) they stated in the letter that they were going to refund the premiums plus interest.

 

Any guidance would be kindly received

 

Mith

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Hi

 

You only get back the proportion of the premiums you have actually paid over together with associated interest and your 8%.

 

There may have been PPI rebates given when the various loans in the chains were settled which would also have an effect on the redress awarded.

 

Have you got all of the paperwork for the loans including record of repayments and settlements etc?

 

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In which case you should send them a Subject Access Request (SAR) to get all of the documentation they hold on you.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green.

 

The cost is £10 and they will have 40 days to comply.

 

Make sure you include a line that says that the SAR is to include copies of all and any agreements you have ever had with them.

 

From the information that comes back you should be able to check their offer to see if it is correct.

 

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I sent them a SAR but they returned it including the cheque for £10 stating that I would have to send one to each of the different departments for full copies etc. They gave me addresses for loan, cc and mortgages etc.

That would be £30 in total...

 

I'm guessing my question is before i go to that expense : because we have accepted and received the offers, can we then go back to them and say "hang on I think you have made a mistake?"

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I would guess that the acceptance you signed was in full and final settlement of all claims for PPI against the lender.

 

If that is the case then it might make it tricky.

 

Having said that, I am not the type that would let it go without a fight IF the figures turned out to be wrong and they have underpaid you. I might not be successful but I would give it a go.

 

The trouble is at the moment that you don't know whether their figures are right or wrong.

 

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ok thanks for replies.

 

I think what we will do is firstly give them a call tomorrow and see if they can explain this and if that doesn't work we will try and obtain the SAR again and see where it leads from there.

 

I will keep you posted for future ref.

 

Mith

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Update:

Called RBS today and they completely skirted the issue and just asked us to put a complaint in a letter and send to them.

We will post this out today asking for complete disclosure to the way they came to their decision including a complete breakdown.

Worth a try i'm guessing.

 

Mith

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