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    • Hi,   Like Filrobbo I finally had some success with reclaiming against KJK investments I eventually had to use a pension claims specialist but  in the end but after 10 years of banging my head against a wall the FSCS have finally awarded me compensation for my loss and terrible investing from KJK. Anyone who is trying to regain their lost pensions, keep going.
    • Ok so helping a Male friend.    Friend and daughter 16, he has full custody of her, was due to flight out for a holiday to Spain for Christmas. The Spanish government, along with a list of other countries, said they were banning UK flights over a new strain of Covid. They did not know until they got to airport as they were due to fly on the 22nd first flight of day. I have searched and cant find anywhere to say the the UK Government/foreign office closing air travel.    Wizz air rep was useless just told them to contact Wizz air as they cant fly. Friend contacted Wizz air who said well the flight is still going ahead so you fly or you cancel. Wizz air did not budge so they had to cancel. Was not a package deal but the hotel has cancelled and refunded without any problems within a few hours of request. Flight went ahead Wizz air still not budged re flights and insisting they were cancelled and a fee is to be paid.   They have been arguing for months over the refund. He is still waiting and feels its unfair that he is waiting months for a refund when not his fault and that he has to pay a cancellation fee for the flight when it was the Spanish government that closed the boarders to all but citizens. He is not saying he does not understand why just he could have been treated better. Money went out quick enough but cant press a button to refund him.   He has been to the CAB but found them utterly useless. What are his rights on the cancellation and what legal argument can he use. He has thrown at them lots of phone calls, yes l have told him to stay of the phone but he wont listen to me on that and as he is big enough to know better but then stuck between a rock and hard place.    Oh and just so you all know they did not go without a few presents and Christmas dinner. They came and Socially distanced collect a care package from me containing food the presents l had brought them already and a little extra.   
    • I've had to hide your last post.  You left both the PCN no. and the vehicle registration no. showing in both PCNs.  Please redact & upload again.
    • @BankFodderI've made some slight tweaks to the letter, would appreciate your thoughts....  also I'm not sure to keep the bits in bold - what do you think? /-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-   I am the executor of my father’s will and as such I have authority to bring legal proceedings against you on behalf of his estate.   On 2 September 2019 my father bought a Jaguar XF  3.0d V6 vehicle, registration number XXXX XXX, from you.   You know all the basic facts but for the record I'm setting them out here for your information and for the benefit of the court.   ·        My father purchased the car from you in September 2019, however the car was not collected until October 2019. ·      In less than two weeks of having the car, it started to demonstrate some serious defects and as a result the car was returned to you to repair the electrical faults. ·      The car was returned to my father in late January 2020, with the repair still outstanding, despite the fact that you had the car ostensibly to carry out precisely this repair. ·     My father made various attempts to contact you and to discuss the matter with you. In March 2020, a full six months after the purchase of the vehicle, you collected the vehicle ostensibly once again to carry out the repair of the electrical fault. ·       The car was eventually returned to my father six months later in August 2020. It seemed the original electrical fault had been repaired, however upon return of the vehicle, a further fault then presented itself whilst under your possession, in the form of a loud ticking noise from the engine. ·        You commented that you had topped the engine with oil as it had been running low, and your only suggestion was to take the car on a long drive. ·       My father followed your instructions, and this did not resolve the problem. Still in August 2020, the car was returned to you for further inspection and repair. ·         Since August 2020 you have been in possession of the car and apparently the repairs are still outstanding. There have been extensive exchanges between yourself and my father by text message and phone calls and you have informed my father that the repairs were still outstanding and in fact the car is now in an undriveable state. ·         As you are aware, my father died in January 2021 and myself and other members of my family have attempted to contact you to return the vehicle. There has been extensive exchanges between you and I, by text messages and phone calls, regarding the attempted and outstanding repairs of the car. ·         We have asked you repeatedly to advise us of the location of the car together with photographs so that we can make our own assessment and possibly carry out our own inspection and you have not provided any of this information. ·         You have given us various excuses such as, the car is awaiting parts to be fitted, the car needs new parts (turbo charger, crankshaft), the parts are being sent for re-conditioning, to most recently the car needing a new engine, but again we have not been permitted to visit the vehicle to carry out any inspection or to assess the situation for ourselves. ·         I have previously asked for access to the vehicle, and you have refused this, so I have been unable to understand the condition of the vehicle as it is now. In addition, I have been prevented from understanding what work may have been carried out so far and have also been prevented from obtaining my own comparative estimates for the work which you believe needs doing. ·         Not only have you withheld access to the vehicle, you have apparently moved it to new premises and refuse to divulge its whereabouts ·         I have made strenuous attempts to contact you and hold a dialogue with you and you have failed to provide me with the information requested.   Since the beginning of April 2021, I started writing to you formally, sending you three letters and have received no reply. This situation cannot go on any longer. You sold a vehicle to my father which has been scarcely driven since it has been purchased and which has now been in your possession for 20 months (to date).   The car is not of satisfactory quality and my father has not had the use of the car for most of the period of ownership and has been deprived of substantially the whole benefit of the contract.   I take this to be a fundamental breach of contract and as such I consider the contract has been terminated by you and so I require you to refund me the purchase price of the vehicle.   If I do not receive payment of £10,995 from you within 14 days then I shall begin a County Court action and without any further notice.   Yours sincerely  
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Claim company says bank cancelled PPI after 30 days - anyone found otherwise?


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Hi all.

I have a good friend who just happened to mention in conversation two weeks ago that he is using a claim firm (that he heard advertised on the local radio) to make a claim on a loan he had years ago. My wife says that my face was a picture at that very moment. :mad2::shock: Needless to say, I spent about 15 minutes going over the reasons why he should do it himself:wink:

He added that they had told him that there was PPI on a loan back in 1994.

 

However, yesterday my friend said that the firm had been in contact and said that the bank had said that the PPI had been taken off after 30 days of the loan starting.

 

I am now going to help my friend send a SAR, along with the £10. My question is - has it ever been know for banks to claim something like this but then when challenged for the proof, show otherwise?

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Perhaps PPI was taken off after 30 days. It might make sense that it was removed for whatever reason, before the next direct debit was due.

 

I am not sure about the SAR, as for £10 they might just get back a load of data that does not make any sense.

 

If it were me, i would just write to the Bank asking for proof that the PPI was removed after 30 days and that it did not continue. They might come back with info and it saves £10.

We could do with some help from you.

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