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    • Thank you. I'm going to say that the photographs really don't say very much and once again it's a real shame that you didn't take lots of photographs of all the issues including the Windows and the state of the inside of the room. You can certainly bring a claim here if you want and we will help you but I'm really not sure of your chances of success. It sounds to me as if the manager you spoke to was dismissive and nothing was particularly agreed or admitted. If you want to bring a claim then I would start off by establishing a paper trail where you point out the things that were wrong and the fact that you discuss this with the duty manager who appeared to be dismissive. You could ask them then in general terms if they have any proposals to make. I think you're in weak position. I don't think you should start threatening them with legal action or anything at the moment and even if you did bring a legal action for the full amount I would probably advise you to negotiate a settlement of maybe 50% – if you're lucky – at mediation. Have you tried putting up Google reviews and reviews on trust pilot? This could also be a good way to start. I'm very sorry but when you deal with these kinds of issues then you need to collect evidence as quickly as possible. It is the first thing you always do when there is a poor hotel, a stone in your cornflakes or a motor accident. I'm afraid that you have to think this way and maybe it doesn't come naturally – but having run the consumer action group for 18 years, this is rather second nature. If you have any phone calls with them then you should read our customer services guide first and then confirm any admissions they might make in writing.
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    • What is the value of the claim? Please can you post up the claim form in PDF format
    • Hello , sorry of this is in the wrong place. I have received in the post a County Court Claim claim form.  This relates to MYJAR and issued by TM Legal relating to a payday loan issued 11/2017, subsequently they issued a default notice 09/2018. The debt isnt on any credit reports.  4/4/2024 I had an email saying a Letter of claim was sent - this was not received , i replied to say I believed the debt was statue barred their response We are aware that the correspondence you have sent, is in a format that is circulated on consumer-based websites whereby debtors are encouraged to use the templates in order to avoid repayment of their debts. We do not accept that the contents of these templates bear any particular relevance to your case. For clarification, in line with the Limitations Act 1908, no claim may be brough after a period of 6 years from the cause of action. The cause of action in this instance is the Notice of Default served upon you by the original creditor on 24th September 2018. As such, the account is not Statute Barred. 10th June 2024 I have received a county court claim form and now i am unsure what to do next and how to complete and respond, I do not want a CCJ. Please help 
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Advice needed with lloyds PPI


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Hi...... Just a quick question.

Just been online looking through bank statements from 2005 and found I had accounts with :-

Welcome finance

2 accounts with Advantage finance

DLA Direct ( have no idea who these are)

I am going to be sending SARs to Welcome plus £10 fee, do I send £20 to Advantage as I had 2 loans with them????

Thanks, Debbie.

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1 sar per bank or group

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 weeks later...

Just got a questionair in the post from Lloyds regarding my PPI claim.

They want to know the far end of a fart, I don't know we're to start lol.

I think there trying to put me off completing it and sending it back lol.

Wish me luck :???:

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don't use that

use the FOS CQ

their questions are loaded in their favour

 

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

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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yes

probably to the better

 

 

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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yes

probably to the better

 

 

dx

 

I'd have to agree :)

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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no its the std form they all should be using

nothing [at this stage] to do with a complaint involving the FOS.yet

 

 

its the std resource from 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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Ok just looked at the form. Seems straight forward only problem is I don't have any information on the loan apart from the date it was taken out.

When I rang the banks PPI claim number the guy I spoke to asked me various questions then confirmed I had taken out the loan. He then said if there is no PPI on the loan you will get a letter saying so but if there is you will get a questionair to fill in with all the details on it. There is no details apart from a reference number...... Do I ring the PPI number again for all the details, will they give me them? Should I send a SARs, the guy told me not to as they deal with everything direct.

Thanks 👍

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Of course they deal direct

And short change you

 

Get all the statements by sar as already advised

Else you won't know if any repayment is short

 

Don't walk before you can crawl

 

They could fleece you blind

So wait on the fos CQ too

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...

Quick update.....

Got one of my SAR requests back from Advantage, I had 2 accounts with them but as the one of the accounts was in my ex hubby's name they would not give me details, so he is sorting that out himself.

They sent my SAR on a CD which I'm not pleased about. I can't work out if there was ppi or not ....on some of the paperwork the box looks ticked and on others it looks empty. The other thing I noticed was I had taken out GAP vehicle protection insurance, can't remember that been sold to me ggrrrrr.......is GAP reclaim able???? Thanks.

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Gap yes same as

PPI

Scan up the statements to one multi page pdf

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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dx .... I don't know how to do that as I only have an iPad, my friend put the cd in her computer for me to read. I can ask her to send the photos of the documents to my email addy and then pass them on to you again by email....if that makes sense.??

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happy with that

agreement too then please

 

 

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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