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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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Hi All,

 

I am going in for the PPI fight, I will track my progress and hopefully successful outcomes here.

 

I have had loads of loans and Credit Cards over the years, in fact so many that I can't remember them all, I have written a list and will try put them in some order for SARs and then hopefully get some advice from you guys as to which to go after 1st. I am doubtful how many will come up as being mis sold though as I recall saying no to protection insurance on most occasions, but you never know.

 

My List:

 

Mortgages

 

Natwest

Norwich & Peterborough

UCB

Intelligent Finance

 

Loans

 

Barclays

Natwest (2 or 3)

Prudential (EGG x2)

Secured Loan - GE Money

 

Credit Cards

 

Natwest

Barclaycard

EGG

HFC Banking - Marbles

 

Store Card

 

GE Capital (Debenhams)

Time Retail Finance (Dixons/Curries)

 

probably some more I forgot in the fog of time. Most of these will have been mid 1990s onwards so early ones may not be relevant.

 

Questions:

 

  1. Are any categories listed above unlikely to be persuable?
  2. Which is the easiest company to deal with?
  3. Which would you recommend going for first?
  4. Would you SAR all and wait for the information first?
  5. If I don't know Account Numbers etc will I just send name/address to parent company address?

 

Thanks in advance for any advice,

 

NCB

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one by one

sar is a must as the first move

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What do I do if I don't have the account details to hand?

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don't need them

sar is about details they have on you

 

 

not a problem

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What do I do if I don't have the account details to hand?

 

If you've moved since taking out the loans ect give them the address of where you were at the time you took them out.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Excellent, I will run some SARs out next week.

 

Once I get all the info I will need some help on exactly what to look for, but I am sure you guys have plenty of experience.

 

Thanks all so far

 

NCB

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Remember to check whether any are with the same banking group as one SAR should suffice afaik.

You'll get all the help you need when you return.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks maroondevo52, I am getting a little confused with 2x GE addresses, Ge Capital & GE Money look similar but seem to have lots of different companies listed and several different adresses.

 

I am using - Data Protection Public Register - ico.org.uk/esdwebpages/search - to look for the correct address and it is very helpful for the most part

 

GE MONEY gets the following result:

 

Total Records found 10

 

GE MONEY CONSUMER LENDING LTD

GE MONEY FINANCIAL SERVICES LTD

GE MONEY HOME FINANCE LTD

GE MONEY HOME LENDING LIMITED

GE MONEY LENDING SOLUTIONS LTD

GE MONEY MORTGAGES LIMITED

GE MONEY SECURED LOANS LIMITED

GE MONEY SERVICING LIMITED

SANTANDER CARDS UK LIMITED

Santander Consumer (UK) PLC

 

It was a secured loan, so I have gone for GE MONEY SECURED LOANS LIMITED

 

GE Capital comes up with the following,

 

Total Records found 24

 

GE CAPITAL BANK LIMITED

GE CAPITAL CORPORATION (CUMBERNAULD GP) LIMITED

GE CAPITAL CORPORATION (ESTATES) LIMITED

GE CAPITAL CORPORATION (FUNDING) LIMITED

GE CAPITAL CORPORATION (INVESTMENT PROPERTIES) LIMITED

GE CAPITAL CORPORATION (LEASING) LIMITED

GE CAPITAL CORPORATION (PROPERTIES) LIMITED

GE CAPITAL CORPORATION (PROPERTY COMPANY INVESTMENTS) LTD

GE CAPITAL CORPORATION (PROPERTY MANAGEMENT) LTD

GE CAPITAL CORPORATION (TRADING LP) LIMITED

GE CAPITAL EMEA SERVICES LIMITED

GE CAPITAL EQUIPMENT FINANCE HOLDINGS

GE CAPITAL EQUIPMENT FINANCE LTD

GE CAPITAL EUROPE LIMITED

GE CAPITAL FUNDING SERVICES LIMITED

GE CAPITAL GROUP SERVICES LIMITED

GE CAPITAL INVOICE FINANCE LIMITED

GE CAPITAL LIMITED

GE CAPITAL REAL ESTATE UK FINANCE HOLDINGS LIMITED

GE CAPITAL SOLUTIONS LIMITED

GE Ccapital Solutions Europe Ltd

GE COMMERCIAL FINANCE FLEET SERVICES LTD

SANTANDER CARDS UK LIMITED

Santander Consumer (UK) PLC

 

I have gone for GE CAPITAL BANK LIMITED for this as it seems more likely.

 

NCB

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if you've moved read the full sar thread first

inc a copy of your current ctax bill as proof of who/where you are now.

 

 

and sign the sar's

 

 

but never sign anything to do with a CCA request even the postal order


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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if you've moved read the full sar thread first

inc a copy of your current ctax bill as proof of who/where you are now.

 

 

and sign the sar's

 

 

but never sign anything to do with a CCA request even the postal order

 

I sure will dx, good advice as usual :)

 

NCB

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5 SARs in the post, should cover a minimum of 7 accounts and likely up to 9 :)

 

Lets see what comes back.

 

NCB

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?? you prob only needed one..they are all the same group/

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx,

 

If you check my initial list there are several different ones, HSBC, UCB, GE, etc

 

So what do I look for once everything arrives? Statement with PPI taken, is it as simple as seeing it listed in the T & Cs or something a little more subtle?

 

NCB

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You just need to establish if PPI was added the accounts. This will either show as a separate entry on the statements or if you are fortunate enough to receive copies of the loan agreements, it will show as a front loaded figure and identified on the agreement as such.

 

From the statements, you would need to complete one of our spread sheets - then download the complaint from the FOS website.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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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

 

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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Thanks citizenB :)

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5 SARs in the post, should cover a minimum of 7 accounts and likely up to 9 :)

 

Lets see what comes back.

 

NCB

 

 

sorry though you were meaning GE alone!

 

 

info on PPI calc is below

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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:thumb:

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

 

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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