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    • Two quick and immediate points:   1. Do NOT get your employer to suggest you were exhausted. You shouldn't drive whilst exhausted and it aggravates the offences. But in any case, since you are pleading guilty to them it doesn't matter. The circumstances of each offence are not relevant when the court considers your EH argument. By that time you have been convicted of them and how or why they happened is not a consideration.    2. Instead your employer's letter to the court should concentrate on the "Hardship" that others (e.g. the company or your colleagues) will suffer if you are banned. It should also cover why no alternatives are available to them (e.g. are your skills and knowledge scarce such that they cannot easily be replaced; can they not train somebody else quickly to do your job). That sounds harsh but your employer will be asking the court to accept that they will suffer hardship. Part of doing that is to demonstrate that no practical alternatives are available.   Remember, you will get three points for each offence whatever mitigation you offer for them - that is the minimum. So you don't need to concentrate on that. Concentrate on explaining the exceptional hardship that you or others will suffer.
    • Well that sounds a bit more hopeful. I suggest that you search the land registry https://eservices.landregistry.gov.uk/eservices/FindAProperty/view/QuickEnquiryInit.do and if you happen to find that he is the owner of the property then you've got a very good chance at enforcing a judgement. He doesn't own the property then I think we have serious problems. I think that the search costs may be about £3 or so. This is definitely worthwhile doing
    • but you sent a cca request to the claimant did you not?   dx  
    • So would I need to cancel the Mediation?  
    • Same office he just shifted his jive-ass and chair to another desk.  Excel and VCS same Company Simon has lost inb court confused by what hat he had on when he issued the claim.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

PPI on top of PPI on top of PPI on loans


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Hello one and all

 

Site donation due, but can someone please provide instructions on how to please

 

I received a payment from the Bank before I even received thier letter with regards ppi on a loan and then refinanced with another loan provided by them.

 

EXAMPLE

 

Loan 1 PPI (Bank)

Loan 2 PPI refinanced PPI (Bank)

 

Problem is refinanced again with another loan not bank

 

Loan 3 PPI refinanced loan (Egg loan - ppi on this loan already paid back)

 

What and should I, write back to my bank and state, as I have no idea how to explain the above and whether they are even responsible for me getting this last loan to pay off thier loan 6 months later and also a credit card bill :roll:

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so lloyds was refinanced by egg?

 

trying to match this into your existing threads

rather than guess

 

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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Hello once again DX

 

Thanks for your help, but previous threads are not really related to this one.

 

If I posted all the issues with general insurance and credit cards loans and even pension there would be about 15-20 theads. Been such an idiot.

 

PS gonna use the donation link when son gets up, figured out about donation - just never used PAYPAL.

 

:-D

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ok so i'm trying to workout what you are asking.

 

you had 2 loans that rolled with one bank

 

then a third from another bank that paid those off

 

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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and the banks are

 

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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You already guessed - may have to have user id changed.

 

Worse still I might as well complicate matters even further.

 

I had a business loan "non-cancellable agreement" with first bank, one of the exclusions was must work for the company for at least 16 hours per week.

 

Anyway's - first bank state we agree your insurance was mis-sold, but because you Ltd has been dissolved we cannot correct the mistake (not what the FOS state) mis-sold is mis-sold.

 

But I get the feeling that the first personal loan may of been used to pay some of the "Business Loan" too - but needs confirming. See what I mean about 15 threads.

 

Thanks

 

Mike

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no need for a username chagne at all.

 

and you are correct

it was a ltd co. still should be returned

 

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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Thanks DX

 

FOS and you think the same,

but I get the feeling now that the reason the settlement for the personal loans was "Bank A"

Hope I don't realise I have a PPi,

onto a PPI onto a PPI onto another external PPI loan and then a re-mortgage

 

What I am thinking is "Deny first business loan" so the PPI starts with second personal loan and finishes with third personal loan? hence payment before letter.

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whoosh........

 

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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Whoosh you lost me there mate, lol don't really help with getting an idea on what to write when reclaiming, but at least I can now giggle at my past mistakes. Thanks :-D

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thats what woosh means you lost me...

 

you've a knack of explaining things in the most obscure way..

 

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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Sorry here is an explanation, hope its kind of clear and not obscure

 

Business Loan Bank (A) - One of the exclusions means could never claim on it. - mis-sold PPI

 

Bank (A) - States we accept the insurance was mis-sold, but because you have not got the business account to refund it too claim rejected, Ltd Co dis-solved

 

Personal Loan (1) Bank (A) - Repays remainder of Business loan, this loan (1) has PPI on it again mis-sold

Personal Loan (2) Bank (A) - Repays personal loan (1) this loan (2) has PPI on it again mis-sold

Personal Loan (3) Bank (B) - Repays personal loan (2) to Bank (A), this loan (3) has PPI on it again mis-sold

 

Re-financed after 4-5 years with a re-mortgage to pay off remainder of loan (3)

 

Thanks

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After a little rooting it looks as though the business loan was paid off before the initial first personal loan.

 

Now just wondering if a loan is refinanced but not with the same Bank is it still worth trying to reclaim refinanced PPI?

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i dont know of anyone that has successfully charged a PPI provider

interest from another account/bank.

 

however there is nothing to stop you knocking up a ppi reclaim

 

as long as you know the PPI PCM %

you then charge that on the refinance figure over to the other loan.

 

have you all the statements

 

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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Share on other sites

Hello DX

 

Something to pass onto other CAG user requests regarding refinancing loans with PPI.

 

Spoke today to FOS - Informed me that parts 1 & 2 can be dealt with regarding personal loans with Lloyd's, As to part 3 Egg loan and refinanced Lloyd's loan they will not take on the case as its a another party and should be dealt with separately.

 

So DX your initial thought is correct - big shame otherwise I would have right up till 2012 from 2001

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