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    • You honestly have a very serious situation here. Is there any chance that this problem might be being caused by somebody that you know? In future you should open all letters and copy them and then return them to the sender but make sure you have a copy. This is very important. I understand that the three of you are being targeted. I am saying "targeted" because it is too much of a coincidence that you are all the subject of the same kind of identity theft/identity fraud committed by different people. This suggests very strongly to me that there is one person who is doing this and the fact that this person is doing this to all three of you also suggests very strongly that it is somebody who is known to you. I would find it difficult to imagine that there could be any other explanation. Have you got a list of the companies that have become involved because of this problem? Please could you post up a list here
    • Yes I am so sorry.  I am using my phone to type and it comes out in a block.  I will see if I can borrow use of a friends computer next time 
    • I'm sorry that you have been upset about it. I think you are very justified feel that way. Before I start answering, can I please point out that this is the second time that you've posted a solid block of text. It's very difficult for people to read and to give you the enthusiastic support that you deserve. In your first post, – which was very long – one of the site team restructured it so that it was legible. We don't really have time to do this kind of thing and so please would you make sure that in future your posts are properly spaced and punctuated and that will encourage people to view your story and to give you the advice that you need.   Also, now that I have restructured your post I see that you have recognised that your posts are not properly spaced because you don't have a computer. You can still use the paragraph return with a phone and it will make it much easier.
    • Sorry I’ve just been a bit upset about it.       It started with my daughter (aged 27) four years ago.  We rang the train company and tried to sort it over the phone.  I know now that was wrong.  My daughter has had at least 6 separate letters relating to different incidents of fare evasion.   One of the incidents was going to court.   My other daughter has had about 8 or more separate incidents. She has a file which I can get this week.   My ex partner has now started to get some (Erica instead of Eric ).   There ha e been some addressed using our surname but with a forename not known.     The one relating to me had gone to court and I have had to ask them to open the case again.   I was advised not to do a statutory declaration as although I didn’t open the letter addressed with a misspelt surname I did suspect what it was and so couldn’t say I didn’t know about it.   At least one other has gone to a court.   So many we have out back in the post as unknown at This address.     There are too many to fight each one altogether for my family they must be over 20, I’m sorry this isn’t very well space I only have the use of the phone   I don’t have a computer
    • The forum software automatically changes other website addresses back to CAG,   Google  'Fight Back Forums' and register there. They are the experts on council pcns.  
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getting ombudsman to accept "average" PPI figure


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I'm at the stage where the adjudicator has found in my favour on two out of three loans (I'm still fighting hard on the 3rd one).

 

On reading through their letter to the bank (the bank has until the 3rd September to reply),

 

I've found the PPI figures the FOS are quoting to the bank are way off from my own knowledge of the loans (£777 as opposed to 36 payments of £35).

 

The bank have quoted all figures supplied to the FOS are from their insurance provider, who I have SARed and been told they have nothing on record. These loans go back to 95/98 era.

 

How much work is it to get the FOS to fall back onto their £1200 "average" figure, which isn't that far off what I actually paid?

 

Any of your own experiences, suggestions would be greatly appreciated!!

 

One last question, is SAR purely for financial institutions? or can I SAR an old employer to get details of their sickness pay scheme?? from the same era btw

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Have you proof of the £35pcm payments?

 

Yes you can sar employers

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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so far , no.

 

I have interoffice correspondence saying that they paid out £237 on the insurance policy for three months, which I don't really want to bring to their attention (£237 being the monthly payment),

 

I have some correspondence showing the capital part of that monthly repayment was £175, but nothing I've found showing the PPI is £35 and the interest is £27.

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ah post gone missing ..or didn' tpost at 14:30 - internet gets dodgy here

 

 

if you aren't going to give the FOS all the info

then you cant expect them to make the right conclusion?

 

 

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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