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    • And I'm sorry, you're going to have a rough time of it this morning. On at least two or three occasions, either I or my site team colleague have advised you to give a period of notice to the window company – and I even suggested in one of my most recent posts that a period of notice would be essential in order to satisfy the courts. Despite this, you appear to have sent a letter giving notice of immediate cancellation of your contract. I really have no idea why you come here and ask for advice, and get advice – similar advice from several experienced members of the site team – and then you proceed to ignore the advice and do your own thing. You absolutely need to disengage from this company. They are giving you the runaround and frankly considering you are a paying client they're treating you with contempt. By sending the letter you did, not only are you prejudicing your own situation but you are making it clear that you don't know what you're doing. If you follow the advice we give, then you will create the impression that you are in control and competent. You will have to send them another letter. You must give them notice. Even though they are clearly in the wrong and even though there is clearly something very fishy going on, you will have to make time of the essence and give them reasonable notice. I suggested seven days – you have even now used up some of that time by giving them a letter of immediate cancellation and not a letter of notice. I think you should now send them a letter informing them that unless you have a definite agreement within seven days that the work will be completed at the end of 14 days, that you will consider that the contract is terminated by their breach. Tell them that despite any written terms and conditions, it is clearly an implied term of the contract that it will be carried out within a reasonable time and that your patience is exhausted. Tell them that once you cancel the contract, they can take whatever action they want to recover any administrative fee that you won't be paying. If you're the fact that you tend to go off on your own and not follow advice, I think it would be a good idea if you put the letter together and then post the draft here so that we can check it. Slapped wrists? – Yes definitely.
    • In terms of asking us whether or not providing us with the documents we need in a certain format is important, – yes it is important. I'm very sorry but we put in a lot of work for people here and we do it all for free. We need people to provide material that makes it easier for us to help you. We use a standard Internet system – and at the very least, we expect people to have the necessary equipment, for instance a scanner, and some kind of computer to be able to engage with us. We also expect people to have at least the computer skills to be able to provide the documents we need in the format that we need. 10 or 15 years ago this might have been an unreasonable ask because the technology was much newer and not so well established and understood. Things have moved on and I think it's essential for you to acquire the necessary skills – they are not at all difficult – to be able to engage with us – and also anyone else with whom you have dealings on the Internet. I imagine that you don't have a scanner but for about £49 you can get an excellent one from Currys PC World and I think you should do that. Please remember that you are receiving advice here which might normally be charged at £300 per hour. All we ask you to do is to get scanner and you will find that it is really very easy and you will then acquire transferable skills. It is a win for you in every sense. You will have the scanner for years.
    • what time do you have to go in today? I am wondering whether it might not be a good idea to go in with the letter of claim and if there is any mucking around them to hand it to them.   We would have to draft something appropriate.   in any event I think you should prepare an sar and take it with you and hand it to them make sure that they realise what it is. Hand it to a senior manager.   Use our sar template here.   I think that they are starting to lead you around by the nose and I think that you should take control and make sure that they realise but there is only a short time before it goes legal. A letter of claim would be the best thing to do in addition to the sar     
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
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Afternoon all,

 

I was wondering if someone can offer a bit of advice.

 

My partner has recently contacted all her direct debit companies to inform them of change of date for being payed. Whilst going through the list she discovered that she's been paying £14 - £18 a month for what we believe to be PPI since 1996. She did take out the policy, but the mortgage in question was settled in 2000!

 

The company in question are sending through details of the policy but I wondered where she stands, as shes been paying for something that was settled 13yrs ago!

 

Its her fault no doubt about that, but if anyone can offer any advice that would be most welcome.

 

Thanks in advance.

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She can apply for a refund back as far as there are accounts records. This company may not have records going back to 2000, but if it is the same amount going out every month, then it is easy to work out the refund.

 

Make a complaint and follow the normal PPI claim back guidelines.

 

http://www.consumerwiki.co.uk/index.php/PPI

 

If the PPI was related to the mortgage only and not related to her general financial exposure, then it should have been cancelled at the same time the mortgage finished.

 

My only slight question is whether the PPI was arranged separately or whether the mortgage advisor arranged it. I can see this company turning around saying that it was your partners responsibilty to cancel if it was totally separate to the mortgage arrangement.

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Hi

Only just come back to the Consumer Action Group after being of the radar for the last 3 years. (Joined June 2005)

I have had a claim in with the FOS for the last 18 months having paid PPI on a loan upfront which was not required. (Long Story)

however, have been helping friends and family with claims, so Iv learnt quite a lot!

 

Which company was the PPI with? Who was the original loan with?

Can you post up more details ie How long was the policy for? how long was the insurance cover for? etc

And NO it's not anyone's fault, these Companies deliberately mislead us ALL

 

Can you give me more information

 

Lynn

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Thanks for you advice.

 

The original mortgage was with Alliance and Leicester, and insurance was taken out as part of that deal with Cardiff Pinnacle, possibly just Pinnacle insurance in those days, all dealt with in the branch.

 

Can't recall any more information sadly.

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Good Morning

 

I sent a SAR to Cardiff Pinnacle & to the loan Company, I think this would be a good way to start, if you haven't got any statements (£10 required for the information)

Or follow procedure above http://www.consumerwiki.co.uk/index.php/PPI

hope this helps

Start the ball rolling now you have nothing to loose!

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I think first then I would give them a call and tell them the situation. If they say your insurance was with Cardiff Pinnacle tell them the situation and ask for a refund.

Then put it in writing a explain you have spoken over the phone and you are confirming the conversation in writing, tell them in the letter that you are still paying for it now and you are claiming a refund.

If you know how much you have overpaid, total it up and add the interest that was originally applied to the Mortgage.(should be a nice little sum):wink:

Similar happened to us, we paid back loan early, and Cardiff Pinnacle didn't notify us that we were entitled to a proportion back. When I wrote to them they had no PPI contract for us. GE told us that the Insurance was with them. Anyway now with Financial Ombudsman(over 18mnths now)

Cardiff Pinnacle say they don't know us, it turns out that the Insurance may be with General Insurance or Aviva, its a nightmare!!!!:pout:

 

All my paperwork shows the Insurance was with Cardiff Pinnacle, I think there is a cover up going on somewhere.

Make the phone call and first find out if you are actually with them.

Lynn

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Thanks for that Lynn.

 

When she spoke to them on Friday they did ackowledge that she had a policy with them, they're sending the information out to us, so we'll see what happens.

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Had a reply from Cardiff Pinnacle which basically says its our fault:

 

I can confirm that this policy is portable, meaning you would still be covered under this policy as long as you have a mortgage in place whether this is still with Alliance and Leicester or not. Please also be advised that we are a separate department from the mortgage department we are not advised when a mortgage redeems and it is your responsibilty to ensure the cover you have is correct.

 

Not really sure what to do now....

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Had a reply from Cardiff Pinnacle which basically says its our fault:

 

I can confirm that this policy is portable, meaning you would still be covered under this policy as long as you have a mortgage in place whether this is still with Alliance and Leicester or not. Please also be advised that we are a separate department from the mortgage department we are not advised when a mortgage redeems and it is your responsibilty to ensure the cover you have is correct.

 

Not really sure what to do now....

 

"Covered by this policy as long as you have a mortgage in place"

 

No mortgage in place so no cover. If they're not covering anything there is no risk and the money you have been paying was for risk.

 

As the policy is or was recently still live then your SAR should ge t you a copy of the original policy terms to check for any term relating to the need of you notyfying them of the redemption.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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  • 4 weeks later...

Had a reply from Cardiff Pinnacle this morning:

 

Basically what they're saying is that the policy is 'portable' and does not automatically end when the mortgage is finished. The policy remains in force because we haven't informed them we wanted the policy camcelled.They also say that the company has been collecting the payment since 1997 and our bank statements would have said 'Pinnacle insurance' (This is incorrect, it actually says allis pins col)

 

They go on to say previous cases with the financial ombudsman service say they consider a reasonable amount of time for customers to be aware of a direct debit would be 2 years and we should have been fully aware the money was being collected by Pinnacle insurance.

 

Ummmm, still waiting for the subject access request to be actioned.

 

I have to say the letter isn't a standard reply, but its put together extremely poorly in my opinion, not sure what to do from here, thinking time required as we do admit its partially our fault for paying the darn thing for so long!

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They are right to point out that it was your responsibility, however you have been paying for a product which offered no cover as there was nothing to protect. They should be ( upon receipt of evidence to show there is no mortgage on the property) be offering a reimbursement less any applicable admin fees. But then I'm no ombudsman.

Do know the FOS really dislike firms telling customers that the FOS will do this or that.

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Speaking to a few people most have NEVER had to inform a mortgage protection company that the mortgage has eneded and moved elsewhere, has anyone else had to tell the insurance company seperate?

 

So you have a mortgage with Halifax, move to Barclays and its up to you to tell halifax insurance to stop? its always done automatically isn't it?

 

Not related here, but got a few looking over bank statements at work currently!

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