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    • Okay. We are very happy to help you get your money back. If you have the evidence that I have indicated then there is absolutely no problem and frankly I don't know why Halfords seems to be prepared to cause such a fuss to deny you your consumer rights and to save her company 40 quid – simply on a callout fee.  Now that I've called their attention to this thread I expect that they they will be following it. If you are prepared to issue a small claim then we will help you all the way including helping you draft your documents. Halfords will be crazy to allow this to continue – but if they decide to get personal about it then they will see you in court but the chances of them winning are negligible. It's up to you. Bringing a small claim is very easy. Your risk would be the claim fee which in this case would be £25, I think and then if they push it to a hearing about a hundred quid which when you win – if you win – you will get back. Of course we will publish the result here and show Halfords up as we have done before. It's amazing to have to go to this kind of trouble.   Once again, I just want to confirm that your case will be that you inputted all the correct details into their website and Halfords returned a particular specification to you which was incorrect. Effectively this means that they are in breach of their contractual duty to supply goods which are fit for their purpose. However, have you checked elsewhere in fact Halfords are correct and that the tyres are not fit for your vehicle. It occurs to me that maybe Halfords have told you that they're not fit for your vehicle when in fact they are. This would also put Halfords in breach but in a rather different way.  
    • @dx100uk Well my pro-rata offer is minus at the moment lol so I will look to modify it and offer the £1 token payment. Is that the right move? At the end of the day both they and I know that you can't get blood out of a stone and I am a stone currently   Thanks again sir
    • Hi, yes this is the same sort of response I keep getting about this. Yes so it asked for the registration number of the car, and this was inputted correctly. It’s then “found” the brand and type of car “Kia carens 1.6” etc and then came up with the “Recommended” list we then selected the tyres from. I have checked it since we bought them and the same tyre still comes up. In response to the lady above where we “assumed” we did assume the tyres would be correct in the list so didn’t see any need to ring to confirm if you see what I mean. We did try ringing the company but they were unwilling to provide information of supervisor. It seems like the company isn’t going to do anything about this.. 😕
    • They are all actually your interpretations, and nothing more than incorrect assumptions and extreme misrepresentations (at best) of mine (and thats being kind)  
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
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wakeywakey

RBS ppi claim-offer made then money sent to their own holding account???

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read that fos link post 19

 

Had a read and it appears that case isn't about buying back the debt. It's about off setting the debt.

Have I missed something?

The claimants won that didn't they, so your confusing me now.

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yes they did win so can you...

 

 

offsetting to a sold debt or buying it back and off setting is almost the same result.


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OK. So my debt is run by AIC who don't buy debts, is this correct?

If so, RBS still own the debt so can legally "offset"?

 

What about if the original loan was a loan from another company who RBS have taken over (Lombard)?

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No they are not directly related accounts IMHO

 

As per that FOS link

 

But

Look at a letter from AIC

It will state their client


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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

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Can't find any letters from AIC

 

Plus, how is it unrelated when that's the loan they have given me the PPI refund from?

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So aic were chasing for payment on an rbs loan

Or was it the old Lombard loan?

Or was it the old finance loan for direct line insurance?

 

Clear as mud here

Which is why we are getting nowhere fast,..........


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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

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OK, you said AIC don't buy debts so I am presuming they are acting for RBS who offered me a refund on an old Direct Line loan.

Your confusing me!

Cheeky!

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And what debt do they want to offset the PPI against??


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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

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They have already sent it to the direct line account, well, it's in an holding account with the direct line account no a sthe beneficiary, or words to that effect

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then they've done nothing wrong if they own the direct line loan debt

its PPI from the same loan


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Yet in the link you sent me, HSBC used PPI to offset against one of their loans, which the Ombudsman said was wrong.

What's the difference?

And, they haven't reduced the debt with AIC?

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well you don't worry about AIC

they are powerless as I've said before

 

 

also that link referred to PPI on one account being refunded again a debt on another

 

 

as far as I can see

your PPI refund is from a direct line debt

and the PPI is being refunded again the debt on the same account

 

 

so the FOS example 'win' doesn't cut it


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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

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OK, that's looking grim I grant you?

 

What about the fact I'm in a DMP

 

When they eventually pay the money into my DMP (which is presumably what they will do)

 

 

Can i state that I should decide what debts are paid off as the PPI wasn't a debt?

 

Or can I argue I have more pressing debts than those in my DMP (mort arrears etc)?

 

Also, the refund is in my name only, yet the loan account is in joint names.

Am I clutching at straws a bit here?

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why cant the money goto you and you decide where it goes?

 

 

whats the DMP and who with?

 

 

joint debts make no odds


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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

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why cant the money goto you and you decide where it goes?

 

 

I haven't told them yet that I am on DMP

I mean they know the outstanding balance so I guess they know where the money is sent from (The DMO-Stepchange)

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nothing to do with them

a DMP company have no powers over where any money goes

nor do RBS!

other than debt to themselves.

 

 

hope you've sent a CCA request to all the fleecers stepchance are blindly paying?


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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

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So how does the refund get paid to my arrears then?

Or do RBS just say to AIC it's minus whatever?

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why do you keep referring to AIC

NOTHING TO DO WITH THEM..

 

 

rbs will take off what they want and the rest will prob come as a cheque I guess?


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

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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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AIC AIC AIC AIC

just kidding.

So there is no way of fighting this then, in your opinion?

Just wait and see?

But I have already sent it to FOS anyway so may as well let it run now hey?

 

And what will a CCA request acheive?

 

Also, in your link, the Ombudsman says there are tax implications and another reason why he upholds complaint.

Any idea what this means?

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I'm now waiting for Adjudicator decision, but they have hinted that I have no chance.

 

Yet a decision on their database the Ombudsman say's the following about a similar but not exact case

 

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=5623

 

"Mr and Mrs M have informed this service that they intended to use the refunds they were

due to alleviate financial hardship that they faced. Although it is not necessary for me to

know the full details of these hardships, the fact that they have a number of accounts that

have been placed with HSBC’s collections team, would suggest that they also hold debts

elsewhere. I consider that it is fair and reasonable for Mr and Mrs M to be able to determine

which of their financial needs they consider to be the most pressing."

He upheld their complaint and made the bank pay the money to them.

 

Then there is this one

 

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=48676

 

complaint upheld again

Don't really see much difference to mine

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well


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

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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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Great News!

 

Where, what, when ?


 
 

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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The Great News was...............................

I am a Grandparent!!!

 

The BAD news was I lost the complaint.

 

I don't see how it is fair that some Ombudsmen let the complainant decide who they pay, but my ombudsman said he couldn't say RBS had acted unfairly.

I argued that my need was far greater than RBS but all to no avail

 

Anyway, thanks for your help.

Sorry if I sounded sarcastic at times but it was one hell of a stress ride.

 

Perhaps I should sue them now?

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