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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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spudafett

Misselling of FirstPlus secured loan.

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Hello all,

 

 

I successfully claimed my PPI back from FirstPlus and am now looking in to the possibility that the entire loan was missold.

I recently wrote to them outlining my issues, which were:

 

• The mortgage was not suitable for me.

• The adviser did not properly establish my attitude to risk.

• I was not advised that there were other options, such as a DMP, that I could have pursued.

•Your adviser did not give me examples of the cost of a Capital and Repayment mortgage compared to the lower costs of an Interest Only mortgage.

•When remortgaging to consolidate my debts I was not advised that it would be cheaper for me to put all of my loans, credit cards and finance onto my existing mortgage rather than remortgaging.

•I was not advised that by remortgaging I was exchanging my short term debts for a long term debt by adding it to my mortgage. It was not explained to me that although I would be lowering my monthly outgoings initially, I may well be lengthening the term of my debt and vastly increasing the amount of interest that I would be paying.

 

Loan was originally for £51K over 25 years.

I then received a phonecall from FirstPLus asking to reiterate my concerns, only to be told that based on my concerns and as my loan had be through a broker I needed to contact them (Compass), if they were still trading?!, to resolve my issue.

When I successfully reclaimed all my PPI, which was brokered at the same time as the loan, I went straight to Firstplus who dealt with it directly.

This all sounds a bit smoke and mirrors to me, so would appreciate any advice/info you could give.

Cheers

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Can't offer any advice on this just now, but I am thinking of pursuing a similar strategy with my own secured debt. I will watch your thread with interest. Please update regularly :)

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I've had no luck trying to find out information on this, without resorting to paying for advice, so am going to go through the FOS and see where that takes it.

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I've had no luck trying to find out information on this, without resorting to paying for advice, so am going to go through the FOS and see where that takes it.

 

 

I think that is probably the best route. I would imagine they might force First Plus to either accept responsibility or hand over the name of a contact with the broker.


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However, reading the link to the FOS within my post it seems I shouldn't bother with them either?! So my situation is 1) Not enough free time or expertise to pursue this myself 2) Not enough money to let a solicitor pursue this 3) Not wanting to let a claims company pursue it, taking 25% of my money stings too much! and 4) Using the FOS who aren't really up to the job either.

 

 

I am at a loss now...

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Surely a claims company taking 25% is better than doing nothing? After all, 75% of something is better than 100% of nothing.

 

 

I'm in the same boat with Idem (was Picture loans) and like you, haven't got the time to pursue it so I am going to leave it with a claims company to sort out.

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If you are trying to get the debt extinguished due to mis-selling, what money is there to get from the company that a claims firm will take 25% of?

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UPDATE...

 

FOS says as it was a broker lead, FirstPlus didn't do anything wrong with the info they were given.

 

Broker has ceased trading so it would be up to the FSCS to look in to the case. I tried, but as it happens, they don't deal with 2nd mortgages!

 

So, I'm now stuck with a loan I believe was mis-sold and no one I can turn to for help.

 

Great.

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