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    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
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    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
    • Yes and will ask you if you are in agreement and or wish to add /remove any direction.
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Banks to reopen 2.5m PPI claims after FCA inquiry


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What does this story actually mean for us.

Banks to reopen 2.5m PPI claims after FCA inquiry

 

I have a claim against Capital One which they made me a final offer in October 2013. Due to a few personal reasons I did not put it back to the Ombudsman until this month and Capital One have admitted that it was incorrectly calculated but are saying it is time barred so the FOS cannot get them to recalculate.

 

Does this story mean that they will be contacting me and coming clean about the miscalculation (I very much doubt this)?

 

Will they be forced to open all claims where the amount was disputed?

 

I fear that without the teeth behind it then not much will happen and who is going to be able to force the banks into recalculating - is it the FOS or the FCA?

 

How is the FCA involved in all this. Can we complain to the FCA, in one case against Mastercard they have lied to me throughout the whole process so if they receive complaints then I will do this. Don't suppose anyone has an email for Martin Wheatley, chief executive at the FCA?

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if its statute barred it cant be from the date range they are reopening cases on in the report you posted

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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My claim was given a final response in October 2013.

 

Capital One are saying that they don't believe that FOS should look into it since it is more than 6 months since their final response - they called it time barred.

 

They are saying that it is their final response and they will not look into the calculations again and that is why I was asking if the FCA could force them into calculating correctly (they have admitted that it was incorrectly calculated).

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hey read it properly dx.

 

 

I am unsure if cap1 are one of the banks concerned.

 

 

however, yes I think like you

 

 

cap1 should re open it

 

 

have cap1 replied since this new revelation

I expect not!

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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As a general note, an FCA requirement will override anything to do with fos.

 

However, much depends on who the lender is and which banks/lenders have said they will re-open cases. It might not be all of them. I would guess (and I have no evidence of this) that the likes of Cap1 were not one of the lenders involved in the consultations with the FCA but if anyone has more info on this then we would be pleased to hear of it (together with links to the source of course).

 

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How is the FCA involved in all this. Can we complain to the FCA, in one case against Mastercard they have lied to me throughout the whole process so if they receive complaints then I will do this. Don't suppose anyone has an email for Martin Wheatley, chief executive at the FCA?

 

you can report matters to the FCA rather than lodge complaints

 

http://www.fca.org.uk/site-info/contact

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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My sons girlfriend was fobbed off and is now outside the 6 month time limit, wish they had told me before as I could have done something about it, as they are now re opening claims how do you go about getting the bank to look at it again or do you have to wait for them to contact you?.

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My sons girlfriend was fobbed off and is now outside the 6 month time limit, wish they had told me before as I could have done something about it, as they are now re opening claims how do you go about getting the bank to look at it again or do you have to wait for them to contact you?.

 

Funny enough I originally had an old complaint with Lloyds in 2012-2013 that I missed the FOS 6 months cut-off (due to various reasons and partly my fault) in which FOS rejected on that basis.

 

Does this mean that a new complaint can be raised again with Lloyds or will they contact me ? Is it worth contacting the FCA asking for further information ?

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I don't think I would be relying on the bank to contact me - it might be worth anyone caught up in this to resubmit their claim to the Bank's Head/registered office and quote the FCA

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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I don't think I would be relying on the bank to contact me - it might be worth anyone caught up in this to resubmit their claim to the Bank's Head/registered office and quote the FCA

 

Cheers Citizen, I might do that.

 

Would you just re-submit a new PPI complaint letter and mention FCA announcement ?

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Cheers Citizen, I might do that.

 

Would you just re-submit a new PPI complaint letter and mention FCA announcement ?

 

I think that is the way I would be doing it... but hold fire for a little while and I will ask one of the PPI gurus to look in and confirm if this the correct way :)

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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[quote=ims21;The FCA has agreed with lenders that the claims to be looked at again are those for 2012 and 2013 where the stats apparently show that there was a drop in the number of claims upheld.

 

From reading various sources I get the impression that it wiill be for the lenders themselves to re-open these cases but of course the banks cannot be trusted to do anything which is morally right and correct.

 

For those who feel they were unfairly rejected during that period there would be no harm in asking the lender to look at the case again though.

 

Baz, does this help.. is your claim from 2012/2013 ?

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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Baz, does this help.. is your claim from 2012/2013 ?

 

Yes it does thanks Citizen and was during that period and like I said I was continuously fobbed off by Lloyds (a bit green around the gills then) and missed taking complaint to FOS. If I knew then what I know now it would never have happened.

 

Would you know where to send Lloyds SAR details to ? Also do you think that I should contact their head office or go back to their PPI department ?

 

Maybe a silly question but what about those that where rejected by the banks during that period and then passed to FOS who also agreed with the lender ?

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