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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. 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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