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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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First letter back from lender


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Hi all

 

Firstly let me say sorry as i no doubt this has been asked before...

 

I am not very good when it comes to this kind of thing ( reclaiming what a should be due )

 

Ok

 

I have sent a letter to Santander to receive a letter back asking me to fill out a 7 page Questionnaire.

 

I remember somewhere seeing not to fill it in but to say to them that i am due the reclame and they have the information, is this correct advice

 

or am i way off...

 

can some one guide me please to what to do.

 

Sorry should have said the ppi i am claiming for is a Mortgage i had taken out in 1997

 

and ppi is still running.

 

 

Many many thanks

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Did you complete the FOS complaint form when you made your initial claim ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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No i just sent in a letter, saying • Not informed that taking the PPI policy was optional, Not asked whether I already had sufficient cover in place at the time the policy was sold to me.

 

I am a bit unsure what to do next.

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I would fill this out only

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

have you all the statements etc

 

if not

 

its always worth getting an SAR

 

the demands & needs sheet will be interesting reading for sure

 

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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I should have docs, you say "I would fill this out only"

 

there is a lot of docs on that page

 

could you be more pacific please, also would you send this in instead of the santander form ?

 

could i ask why, just so i can understand.

 

I do not see a pdf of demands & needs sheet, or an i just blind... :oops:

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from the fos site

download the fos questionnaire

 

the d&N will come from the SAR return I hope,

 

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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Ok i see the document you are talking about also the Access Request,

 

are you saying send these in instead of the forms they sent me?

 

what is the advantage of this?

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already answered the sar reason

 

their CQ often has loaded questions

 

the FOS CQ is generic and industry std .

 

also watchout for phonecalls

wanting to ask additional questions

 

writing only

 

put the phone down

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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Looking at your sig, i see these that stand out to me.

 

2 You were told that you had to take the PPI out at the same time as the loan or not at all

6 You were led to believe that Payment Protection Insurance was compulsory

8 It was not explained to you that there were certain exclusions within the policy that could affect you

 

 

What are my chances ?

 

as said i am a total novice at this, unlike some i would love any money retrieved to go strait into my mortgage to get it down rather than some holiday.

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your chances are always very good with a mortgage

as likewise say with contents ins

[were you made to take that too?]

 

the advisor would make a healthy commission for each successful 'sale'

 

your demand and needs sheet will make interesting reading.

 

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 for being so patient with me, all this is double dutch to me really

 

you have said a couple of times "your demand and needs sheet will make interesting reading"

 

is this something i have or something i need to get ... :oops:

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you should have been fully involved in filling out

your demands and needs sheet Before you took the mortgage out!

 

sadly, esp where many insurances are levied to gain the commission on each one

for the advisors pocket - many punters never ever see the D&N sheet

or let alone knew it even existed!!

 

or are duped into signing it.

 

it SHOULD be in your mortgage 'pack'

 

but I bet it ain't

 

the sar will provide it

 

how old is your mortgage?

 

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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took my mortgage out in 1997, was my first home ( still live there )

 

i was young'sh (27/28)

 

Call it being stupid ( i call it naive ) I am a manual worker an sometimes need a bit of help with things like this

 

what i have been looking for is a 1 2 3 of steps of what to do from people who like yourself who are obviously passionate about this subject.

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send them an sar

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 should have been fully involved in filling out

your demands and needs sheet Before you took the mortgage out!

 

dx

 

Hate to spoil the party but not in 1997 he shouldn't. SoD&N didn't exist in those days.

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Looking at your sig, i see these that stand out to me.

 

2 You were told that you had to take the PPI out at the same time as the loan or not at all

6 You were led to believe that Payment Protection Insurance was compulsory

8 It was not explained to you that there were certain exclusions within the policy that could affect you

 

 

What are my chances ?

 

as said i am a total novice at this, unlike some i would love any money retrieved to go strait into my mortgage to get it down rather than some holiday.

 

Need some more specifics really.

 

What happened in as much detail as possible?

 

Who did you deal with,

 

what info were you provided with,

 

what info weren't you provided with,

 

why would you not have taken the policy if you had been correctly informed?

 

What specifically was said?

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yes we didn't know that until post 13

and the sar might be an issue too [12yrs]

 

hope not

and that they still hold the data

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 that they still hold the data

OP says the mortgage (EDIT: sorry, the PPI) is still current so they should have retained it ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 4 weeks later...

Hi it;s me again :lol:

 

I sent the forms away, and today i have had 3 calls to my mobile and 3 to my home answering machine asking me to call them.

 

what should i do?

 

phone them back or ignore them ?

 

 

also watchout for phonecalls

wanting to ask additional questions

 

writing only

 

put the phone down

dx

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DO NOT phone them, or accept calls. If they do call and you pick up, do not answer security questions. They will write, eventually.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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why is it so bad to answer the phone, i don't understand.

Quite simply, they could talk to you and then record on their system you agreed to sell them your granny to pay the debt, how can you prove otherwise? - hence, everything in writing :-)

 

They will want to try and bamboozle you with their talk, trick you into saying something you shouldn't. It happens all the time. These people are trained to extract blood from stones, unless you are experienced in dealing with such tactics, best not to talk to them.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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I suggest you read the forum a bit

 

this is a self help one too!!

 

what forms did you send?

 

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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Just had letter back from Santander, basicly saying no you are not getting anything :-(

 

the headed 4 page letter just went into saying that i qualified to take it out, even though on the mortgage application

 

it said did i want ppi with two tick boxes yes/no had not been ticked.

 

So is that it or is there another avenue i need to go down now?

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