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    • not sure what you think is going on but they are nothing to do with any official court forms... it's merely a process and fleecing debt buyer must go thru should they be thinking of requesting northants bulk issue a speculative court claim on their behalf.   just send it as is dont change it.   as for d: just put .....the debt purchaser has yet to provide any or all of the required documentation.   dx    
    • if you type in auxillis is our search top right in the red banner you'll see this con over auxillis and supposed courtesy cars , but it's not its an HP agreement is well known here.   9/10 it's ends up with you fronting a court claim out of your own pocket for auxillis against the other parties insurance company that you don't stand a chance of ever winning for a claim against them for the excessive HP hire car costs you got scammed with.   may i be frank that whomever told you looking at the circumstances of you incident that you'd ever win a claim and it not be 50/50 was wrong.   you were in a narrow road in a housing estate with cars parked down one side on a blind sweeping bend exceeding the speed you should have been doing for the stated weather conditions. running into someone's side that pulls out infront of you in such an area and it being where you live too so you know it well would never be the other parties sole fault even without the poor weather. if this were to go to court IMHO you would lose.   sadly shows you were not p'haps driving with due care and attention. hence your ins companies stance.
    • I did see not to give those details out, but as these could wind up official court forms, I dont want to be on the wrong side of it.   the areas in boxes D and I, is it ok to say ""refer to appendix A, refer to appendix B"? There s a REALLy long list of "what the hell" I want out of them as this is making zero sense. Not only that, I've got a long list of "this is the hell" I need to send back in the dispute too.
    • the debt has been sold not passed on and yes there is no legislation that prevent a disputed debt being sold.   as for your other questions go read post 4 of that thread again carefully it's all there.   dx  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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EGG credit card PPI claim rejected **WON +£4k**


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Sent a claim for PPI on EGG credit card : had paperwork as I had sent a SAR request. Statute barred debt £6k.

 

Reasons given are several and it's their final response. Application was March 2002. They say the CRP policy box was not pre-ticked (online application) They say I was fully informed and it was my decision to take it and it was up to me to decide if suitable for my needs? and that the policy document would have been supplied to me which would have explained everything

 

many thanks the letter was dated 14th September : received 17th September

 

Is it worth sending to FOS.

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Can't do any harm for the price of the postage. Did you need the ppi, did they advise you could get it elsewhere, were they ask about prior medical conditions. It won't cost you anything but it'll cost them for fos to look at it.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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I put all of those reasons in my claim but they just say I had the chance to check for myself etc etc etc.... I will send it . Is there a questionnaire or covering letter many thanks

Can't do any harm for the price of the postage. Did you need the ppi, did they advise you could get it elsewhere, were they ask about prior medical conditions. It won't cost you anything but it'll cost them for fos to look at it.
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checked paperwork from SAR and I can't find copy of the online application..... I can't recall if the box was pre - ticked (they say it wasn't) but they haven't sent any evidence to show it was/wasn't. Does anyone know if in March 2002 the PPI box was pre-ticked please?

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Yes it was and its a well known issue with the fos

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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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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This is standard Canada Square (Egg) tactics. It is worth going to FOS. I had exactly the same problem, it took 3 years but eventually the FOS supported my claim and made them pay up. Mind you, Canada Square fought, squirmed and wriggled every step of the way. But lots of satisfaction when an Ombudsman forced them to pay.

 

 

Go for it.

REMEMBER! Hunger is the enemy - NOT the hungry!

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you send everything to the FOS

inc a copy of your FOS CQ you used

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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  • 2 months later...
Yes it was and its a well known issue with the fos

well, well , well !

 

 

As indicated on this thread I sent my complaint to the FOS :

FOS letter received yesterday and they have ruled in my favour!!

 

 

The letter says I will be getting an offer from Canada Square Operations that will put me in the position I would be in if I hadn't taken out the policy

and that I should not have been sold the PPI.Hasn't taken long at all

 

I nearly never bothered but as always CAG is my first port of call.

 

 

Let's see what happens : FOS say allow 8 weeks for calculations and then contact Canada Square Operations if I don't hear anything.

 

 

It's a substantial amount : incidentally just had a letter from PRA group acknoweding original debt is Statute Barred.

 

 

Original debt was sold on with NOA.so they shouldn't try and offset...

 

 

... thanks again as always

Edited by cleo4patra
omission
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Thanks for the update Cleo. That's great news.

 

You inspired me to have a crack at claiming from YB too. I tried to get info in 2006/7 but couldn't get info from them but they hadn't been fined then so I'm hoping they'll try harder now. I've got some info but not everything so if push comes to shove I'll give them the limited info I have. They're well past the time they should have responded but say they'll be in touch by 29th Feb. We'll see.

 

In the meantime congratulations and have a great Christmas. :)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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no problem :

 

 

good luck with it :

I didn't have all the info either but neither did YB :

hence them going back to the beginning for calculations.

It was life changing money for me.

 

 

This is what I love and respect about CAG :

to encourage others and help if you can.

 

 

I can honestly say it's helped me to change the way I think about it all and not panic.

The EGG was the last of everything for me but I want to still contribute to CAG

 

Happy Christmas to you all and a happy 2016

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hey great win

glad to help

 

 

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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  • 4 weeks later...

tried to call Canada Square Operations yesterday :

I know it will be more than eight weeks before they contact me ,

just wanted to confirm everything...

 

 

well I spoke to a "Supersnotty" young lady who wouldn't take my name or reference number,

refused to speak further and just referred me back to my FOS adjudicator.

 

 

She said even after eight weeks passes she still won't speak with me

and would refer me back to the FOS (however the FOS in their letter say if I don't get anything after eight weeks to contact Canada Square directly!! )

 

 

Definitely last in the courtesy/manners queue.

 

 

I reported her to the FOS (who I have to say have been very courteous and helpful)

they rang Canada Square on my behalf and confirmed that they are dealing with my case

and will be sending an offer in due course.

 

 

hey great win

glad to help

 

 

dx

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Still taking their own sweet time despite fos intervention. They seem to think the usual rules don't apply to them!!!

 

Why should it take another 8 weeks? Haven't the calcs been done?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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apparently not : in the FOS letter they say to allow 8 weeks for the calculations : its only been 3 weeks so lets see. The important thing is I never nearly bothered but like you say for the price of a stamp...... If I don't hear anything by the end of the 8 weeks I'm getting straight back to the FOS kind regards

Still taking their own sweet time despite fos intervention. They seem to think the usual rules don't apply to them!!!

 

Why should it take another 8 weeks? Haven't the calcs been done?

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do you mean they've ruled in your favour and you're still waiting for your offer more than 8 weeks, or they've rejected your claim and now with the FOS?

Same here from Egg on a loan and credit card. So back to the FOS
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  • 4 weeks later...

You'd think they'd had long enough but I guess that's not too far off.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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  • 3 weeks later...

letter received today

 

 

: Full and final settlement offered of £4300.

 

 

This ties in well with the amount claimed .

 

 

Will receive a cheque within 30 working days!!!!!!

 

 

As posted previously on my thread

I nearly never bothered to go to FOS after receiving Canada Square's final response.

 

 

The FOS have been a great help and as always this site.

 

 

Many thanks (Donation on way once the cheque arrives)

 

 

spoke to FOS today : they rang Canada Square whilst I was on hold. Advised should have the offer by the end of the week, if it doesn't materialise FOS said to ring them back middle of next week......
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