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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
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Cold PPI reclaim call from those nice people at Rock Law


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How exciting. Those nice people at Rock Law who have been so nice trying to contact me from a Birmingham number - 0121 6152941 finally spoke to me today. Very strange because when I tried to call the number, it wouldn't ring. They were really keen to talk to me because they had been calling me repeatedly although strangely each time I answered there was silence. A loose connection I expect. Anyway, we finally spoke. Very nice guy called Gavin with a Welsh accent and he told me that he was in Swansea even though his number came from Birmingham very clever of these people to be able to do that and to be in two places at the same time Swansea is a very nice place I know because I've been there and he told me that I had some PPI which needed to be reclaimed and he also told me that every loan ever made by any bank in the last 25 years had PPI embedded in it and could be reclaimed. Wow and he was from Rock Law Rock like the stone and law like the police he said and he laughed because I think that it was meant to be a joke and he was going to send me an email to get things going but he wanted some personal information first and he really tried to persuade me to give him the information even though I said that I was worried about handing personal details over the phone to someone I didn't know but he was very nice and I nearly trusted him but not quite and so he said that he couldn't help me if I wouldn't tell him my birthday and I wouldn't so he went.

 

Rock_Law_Gavin-2.mp3

 

And those people at Rock Law are very busy but they still find time to be very worried about my finances because they even phoned me again

 

Rock_law.mp3

 

Call number one recorded on a Samsung mobile phone using the automatic call recorder app https://play.google.com/store/apps/details?id=com.appstar.callrecorderpro&hl=en

no processing

 

Call number two recorded through Skype using Amolto call recorder http://amolto.com/

no processing

 

Edited by BankFodder
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Then I went and did a search using my friend Google and I found these:-

 

 

http://www.tellows.co.uk/num/08437241052

 

http://www.badnumbers.co.uk/0843-724-1052/

 

http://whocallsme.com/Phone-Number.aspx/01792905192

 

http://uk.whocalledme.com/PhoneNumber/08437241052

 

http://forums.moneysavingexpert.com/showthread.php?t=5137592

 

... and many more.

 

I think that maybe Rock Law are bad people

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I cant quite understand anything he is saying, think it might be his accent... Although i do hear some sheep in the background...

 

http://www.rock-law.co.uk/

 

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So if he 'knows' you have ppi, then logic says he must know your name and accounts and numbers etc so why does he need those again!

 

 

This is the same as the figures that come out saying '60% of pensioners are not claiming their entitlement'. Well if they know there are 60%, then they must know their names so why don't they write to them and invite them to claim.

 

 

The problem with these type of calls it that a lot of people fall for them. Then what happens when there is nothing to reclaim but they get a bill because these lovely companies did some work looking and think they are entitled.

 

 

I so wish there was some easier way than a national tv advert to tell people they do not need these companies and can make twice as much by doing it themselves.

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Oooh and look I found this -

 

Claims firms which use information gathered by unsolicited calls and texts or who provide poor quality services will face large fines under law changes announced by the Government today.

 

https://www.gov.uk/government/news/rogue-ppi-claim-companies-targeted-by-fines-and-toughened-regulations

 

and my friends at the MOJ have written to me and said

 

Yes, the new financial penalty regulations came into force on the 29.12.2014 under the Financial Services (Banking Reform) Act.

Regards

 

So of course I logged a complaint with them. Not the first - or the last, I expect.

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I think that our advice is to steer well clear of Rock Law. Any firm which routinely breaks the MOJ regulations is clearly not to be trusted.

 

In fact steer clear of any Claims Management Firms. If they weren't running CMCs, they would be running Private Parking or Retail Loss Prevention - and if they weren't doing that they would be running Debt Collection Companies. You know the type.

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  • 10 months later...
BankFodder said:
How exciting. Those nice people at Rock Law who have been so nice trying to contact me from a Birmingham number - 0121 6152941 finally spoke to me today. Very strange because when I tried to call the number, it wouldn't ring. They were really keen to talk to me because they had been calling me repeatedly although strangely each time I answered there was silence. A loose connection I expect. Anyway, we finally spoke. Very nice guy called Gavin with a Welsh accent and he told me that he was in Swansea even though his number came from Birmingham very clever of these people to be able to do that and to be in two places at the same time Swansea is a very nice place I know because I've been there and he told me that I had some PPI which needed to be reclaimed and he also told me that every loan ever made by any bank in the last 25 years had PPI embedded in it and could be reclaimed. Wow and he was from Rock Law Rock like the stone and law like the police he said and he laughed because I think that it was meant to be a joke and he was going to send me an email to get things going but he wanted some personal information first and he really tried to persuade me to give him the information even though I said that I was worried about handing personal details over the phone to someone I didn't know but he was very nice and I nearly trusted him but not quite and so he said that he couldn't help me if I wouldn't tell him my birthday and I wouldn't so he went.

 

 

Well done.

I like a fool after buckling to their hard sell last December.

Being told I was due inbetween 2/3 thousand pounds. and it wouldn't take more than 12 & 16 weeks

 

 

I decided to let them find this ppi,

I told them I was sure I never had, then I would definately not be out of pocket whatever happend, with some second thoughts after giving them £300 deposit,

 

 

I had secong thoughts and rang back and cancelled.

 

 

Within a couple of hours a David Tompkins one of the bosses phoned me and persuaded me that I really had all this money to come back.

 

 

He lowered the commision and the deposit to £200 and need less to say I have just found out that they have gone into administration,

am now left trying to get my money back.

 

 

they prey on the vunrable, I'm a disabled person living on benifits and informed them of this at the time.

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I can answer why 60% of pensioners don't claim their entitlement. They do not want the hassle of continually filling out paperwork and informing whoever of the minuate of their lives, financial position or where they are going for the next couple of days.

 

I'm having enough trouble with the local council over a housing benefit/council tax claim - they want every blessed bit of paperwork in triplicate with a detailed letter of why I have had so many holidays this year and not worked and not previously claimed- err, I had the money to do so you plonkers, plus the hassle you have given me is hardly worth it.

 

As for Rock Law, I thought it was against the advertising standards code to include words such as Law in the title of a firm when clearly they are going AGAINST the law.

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  • 6 months later...
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