Jump to content


  • Tweets

  • Posts

    • Hi all,   I just wanted to give you an update and ask for further advice.   The car has been taken to a local garage today and we have been sent a video (just a close up of the engine with the broken pipe) of the suspected issue which they have said is an air flow pipe which has broken. He said it wasn’t broken when the car was sold to us and so he will buy the part & we pay for the labour.   We really feel that he should pay for this entirely, I also don’t want to set a precedent by paying for the labour if things deteriorate further with this car.  He also hasn’t stated how much the labour is, something we will ask when we respond to his message.   How do you think we should proceed?  I don’t want to take the wrong approach now.
    • Hi can I ask about these letters received from this company... I have received information from friends who ignore them  I am worried I just received a letter after parking in Livingston center one week night (31/8). I did not notice any sign stating limited time.  They are looking for £50. I don't want any hassles but does this legally stand in Scotland and also its took 21 days for the letter to arrive (22/9) Any advice would be appreciated  Thanks in advance 
    • Probate isn't cleared funds and I can confirm it's taking much longer than usual.  Even a simple bank account can take over a month and NS&I are taking around three months to release funds to executors.   I've only just paid out on the will of my aunt who died on 2nd March and I held an LPA for her so knew exactly what was where and the financial institutions already knew my identity.
    • I've had a quick look at the Internet and they reckon that even for a simple will it could take nine months to 12 months for everything to be organised and funds to be distributed. So you may be a little bit early. Why don't you contact the executor very gently and ask them how is it going and when did they think it might be finished. Maybe it will help if you express some appreciation for the task that they've taken on – because it can be quite complicated
    • Yes of course you can oblige her to give you the money. I'm not quite sure what cause of action you would need to rely on if you had to go to court. In terms of how much you are entitled to receive if there is not enough to go around everybody, I would have thought that it would be allocated in proportion – but I'm really not sufficiently sure of my ground to say for certain. Maybe somebody else will come along and give more precise advice – and maybe the answer will occur to me through the day
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Nemo advice needed please


Please note that this topic has not had any new posts for the last 2518 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

We have a secured loan with Nemo Finance which started in August 07, at the time I recall explaining to the staff member that I was covered for sickness at work but she made it clear that because of my credit rating (yes why give me a loan then), that it was better we took out PPI.

 

Last summer my wife had a brief illness and was off work for 3 months so I submitted a claim, which wasn't the easiest thing I have ever done, which was agreed as valid a month later. It took them,being the underwriters, until the following January pay out and then direct to my account.

 

Does anyone think I have a valid argument for refund even if they have paid on one claim.

Link to post
Share on other sites
We have a secured loan with Nemo Finance which started in August 07, at the time I recall explaining to the staff member that I was covered for sickness at work but she made it clear that because of my credit rating (yes why give me a loan then), that it was better we took out PPI.

 

Last summer my wife had a brief illness and was off work for 3 months so I submitted a claim, which wasn't the easiest thing I have ever done, which was agreed as valid a month later. It took them,being the underwriters, until the following January pay out and then direct to my account.

 

Does anyone think I have a valid argument for refund even if they have paid on one claim.

 

I would think you would have a fight on your hands.

 

read through these links and you should get more information on this issue.

 

sorry for the short post this was just to let you know you would not be ignored on the forum.

 

PPI - Some Notes for Claimants..

 

Mis-sold PPI? Want your money back? use these links to help

 

in the second link are tons more some will be of use others not.

 

here are a couple that could help

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

alanalana thanks, I have been giving this some thought and I still think the misselling is in my favour.

However even though I have claimed, they intimated at the time that the insurance would cover payments if we fell ill. Now as it took them 6 months to pay out for 1 months illness, I dont see that as being in the meaning of the product they are selling ie monthly payments being coverered. And not doing "what is said on the tin".

 

I am determined to progress this but would welcome any alternative thoughts.

Link to post
Share on other sites
alanalana thanks, I have been giving this some thought and I still think the misselling is in my favour.

However even though I have claimed, they intimated at the time that the insurance would cover payments if we fell ill. Now as it took them 6 months to pay out for 1 months illness, I dont see that as being in the meaning of the product they are selling ie monthly payments being coverered. And not doing "what is said on the tin".

 

I am determined to progress this but would welcome any alternative thoughts.

 

This is a very good point Jotty you have claimed but the six month delay means you could have been in serious trouble keeping up with the PPI payments. So as you say the six month delay was unacceptable, You will have to come up with the small print in the terms and conditions on this one IMO. If you made an immediate claim and they failed to honour the cover for six months that is fine you would have a strong case for mis-selling a product that clearly did not as you say do what it said on the tin. If however your claim was delayed then they may fight back.

 

Get evidence on the terms and conditions, unless you have the original copy attached to the consumer credit agreement and take it from there.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites
  • 2 weeks later...

Can anyone give me advice about how to word my letter,

 

I have checked my records and loan was taken out on 10/8/07 for £16,000. Having now checked the agreement I note that I also have an extra loan for PPI for £3220.

 

Now as mentioned, I did atthe time explain that I had adequate insurance but like most just presumed it was a condition of the loan and was told that in as many words. My wife made a claim in August 2008 when she was off work for 2 months. Nemo's insurers didin't pay out until January 2009 through no fault of ours as all requests where dealt with immediatly to try and ensure we didn't fall into arrears. In the months between claim and payout we continued to make payments but I now see that they charged us default and arrears fees for the 2 months missed through illness.

 

So my point is this, a) I believe we where mis sold the PPI as we didn't actually need it at the time, b) The PPI did not as claimed ensure our payments where kept up to date and as a result we hav incurred charges.

 

I intend to claim back the PPI loan amount and also request the charges be refunded even though the loan is still in force.

 

Am I right and does anyone have any ideas about wording of the letters please.

Link to post
Share on other sites
  • 2 weeks later...

Just received a letter from Nemo stating they intend to go for repossesion as I owe £800 in arrears on my loan even though we have been able to keep up payments over last 3 months.

The letter came the same day as a reply from them re my SAR, which they declined to give because my wife hadn't also signed the request letter as the loan is in joint names. Now me being cynical and bearing in mind Nemo are losing a lot of staff does this mean they are trying to clear the decks and get rid of us horrible arrears people quickly.

 

I am even more determined to slow things up with them so would welcome any tips on the wording of my letter re PPI when I get the SAR from them.

Link to post
Share on other sites

I seem to be having a conversation alone here everyone, can anyone please give me info on how I try and recalim, I have sent a SAR and await to see whats in it but as stated Nemo seem intent on repossesion so anything to prevent this is helpful.

Link to post
Share on other sites

Hiya Jotty,

 

Soon as you get the S.A.R information let us know and will will make comment on that.

 

As for the Repo you should make a thread in the forum below as it will result in a more targeted response.

 

Repossessions - The Consumer Forums

 

Regards

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Link to post
Share on other sites
  • 2 weeks later...

Just an update, I have sent a letter to Nemo requesting refund of the PPI, based on the fact we where not given the details of the insurance company used or allowed to seek another quote.

Also as it took them 6 months to pay out for a claim covering 1 month thus incurring arrears charges I have stated that the policy was not fit for purpose.

 

Lets see what happens. (oh and the possesion issue is also being dealt with).

Link to post
Share on other sites
  • 6 months later...

We are currently fighting off Nemo finance over £1400 arrears, so far I have been able to get the matter adjourned by questioning what I suspect is a missold PPI.

The PPI was taken out at the start as an up front fee attatched to the loan, as usual it was suggested to us over the phone that we might be better taking it out without any further questions. When the loan agreement came the PPI bit was right next to the loan bit which indicated to us that it it was a condition of the loan so we signed it. At the time we received no Insurnace docs or name of who the policy was with. Back in August 08 we claimed as my wife was off work for 2 months and recieved claim forms from London & Edinburgh which we submitted staright away. Until this point we had no idea it was them and because of previous poor service from L&E we would have refused the PPI at the start had we known. It took them until January 09 to pay the claim and in the meantime the loan fell into arrears etc. due to the delay.

 

I have complained to Nemo and they sent me a lengthy response basically saying I had agreed to everything, however in the response they claim to have notified us in writing that the Policy was with Norwich Union which its wasn't, and that they had proof of my knowledge of this.

Now someone seems to be telling porkies here and it aint me, so I have complained to the FOS which has delayed the latest proceedings.

 

Do I have a case for mis representation and how does this affect the repossesion case.

Link to post
Share on other sites

Can some please let me know if this notice is correct, I didnt keep the envelope so think I may be struggling.

 

nemodef.jpg

Edited by jotty
Link to post
Share on other sites

yes obvious claim

matters not who its with nemo is your target

 

have a look at bobbydogs ppi thread

 

should give you everything you need

 

1st port of call is to knock up a spreadsheet

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Thanks for the info, I have done an SAR and will send today for updated details.

 

Looking at my agreement it started in August 2007 for 300 months and includes the following PPI stuff

 

Optional PPI loan £3,219.25 at apr of 9.4%, so I presume I am asking for a refund of the amount paid plus interest based on the fact that the PPI is not valid as it is not with the company, Norwich Union, outlined on the letter I got back from Nemo in October 09 when they claimed to have given me details at the commencement of the loan even though I have no knowledge.

 

Hope that makes sense.

Link to post
Share on other sites

matters not who the ppi is with its nemos problem.

 

 

workout what you paid monthly for ppi

 

from the date of each monthly ppi payment, take that figure and calc 8% stat int [compounded monthly] to the date of your claim.

 

if you scan up your agreement leaving out pers info but leave in figure

i'll try and have a look see.

 

the info and the links are in the bobbydog thread.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

DX thanks for the info, I have calculated what I have paid plus 8% based on the £27 per month I am paying.

I am asking for a refund of the payments made and then the balance of the PPI loan to be credited from the main loan account is this correct, all based on the mis representation of the PPI due to full details not be supplied at the start.

 

On the agreement posted below the PPI is clearly next to the loan sig box and was even highlighted by Nemo for signing, the impression given throughout was that if we didn't have PPI then the loan might not be granted.

 

Nemoagreementclear.jpg

Link to post
Share on other sites

I have posted this on another thread but cant get a reply (mods please delete if app)

 

Can someone have a look at this notice and tell me if its correct, it was served back in October pending hearing which has been adjourned due to PPI issues but I just want to make sure I haven't missed anything. We dont have the envelope it came in so cant check date of postage.

 

nemodef.jpg

Edited by jotty
Link to post
Share on other sites

You have left a name on the DN Jotty.The only error I can see is the by date must be dated ie not 19 days.

 

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

sounds ok

 

what figures are you getting

post them up and i'll do a quick check later.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Thanks Andy, name deleted,

 

Any advice on what to do next, as stated I am pursuing via the FOS re the PPI but am not sure if this will prevent the hearing in May.

 

We have continued to pay each month and am willing to pay arrears but not in one lump so any advice would be great.

Link to post
Share on other sites

If the case involves mis sold PPI then that is enough to render the agreement invalid in its self.Unless they are to refund and redraw the agreement with your agreement then as said the claim is invalid and in dispute.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

My god! looking at your agreement you are paying them for 25 years and will cost you a total of £49335.00!!!!!!!!!!!!!!!!!!!!!!!

Thats for borrowing £16000.

Its a complete outrage!

I would seriously look into transferring this loan somewhere else and over a shorter period of time.

IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

Link to post
Share on other sites
My god! looking at your agreement you are paying them for 25 years and will cost you a total of £49335.00!!!!!!!!!!!!!!!!!!!!!!!

Thats for borrowing £16000.

Its a complete outrage!

I would seriously look into transferring this loan somewhere else and over a shorter period of time.

BLOODY HELL what a rip off £ 164.45p X 300 is indeed £49335.00:eek::eek:. i would sugest as ldg says look into getting this loan on a shorter period.

Link to post
Share on other sites

That's the totally unethical sub prime Market that the govt can't seem to do anything about cos when your down there is a long queue of firms waiting to keep you there

 

no chance with the arrears of getting a better deal which is why I need help!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...