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    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
    • Just received a letter from lowells sols stating they have note of my aos   They have stated they have attached -  Copy of agreement, statement and notice of assignment   HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before   They state they have requested a copy of my default notice   So in light of this shall i still send the same defence? i think it still stands right?  
    • Just had a Clear Score update which says:   A credit or store card account will be removed from your January report. Organisation Name: Hoist Account Number: ****9048 Company Type: finance house What does this mean? This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. Is this a usual part of the process? I'm submitting my defence this weekend. I'll post it on here first.
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Payday loans - how far can I claim back?

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Hello,

 

It is now June the 8th, My complaints submitted on may the 2nd, I have only have one settlement from peachy.

 

The other companies have not bothered to email me or make contact, How long shall I wait until I take it further?

 

Regards

 

You have 8 weeks from the send date until you can send to the FOS.

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Hi All,

 

Its been a slow process, the 8 week period will be up soon, I have one agreed and settled complain with Peachy,

 

LS have made a offer but I declined and asked for it to be review with my terms,

 

QQ have point blank refused any wrong doing, So I will be forwarding it to the FOS.

 

Can anyone please help me, how do i go about raising it with the FOS? do I simple forward the emails to them? re-write a letter etc?

 

Thanks

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Right folks,

 

So far I have referred my complaint to the FOS for the following companies :

Lending Stream, Sunny and QuickQuid.

 

I reached an agreement with Peachy many weeks ago.

 

I am just waiting for a reply from:

Piggy bank (I doubt I will hear anything back, they emailed me once saying complaint has been received, and nothing more)

Satsuma

Uncle Buck

Mr Lender

 

 

On the 28th of this month, 8 weeks will have passed.

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Hey,

 

The below are now with the FOS

Lendingstream

Quick quiz

Uncle buck

Sunny

 

Satsuma have just asked for more information ! I am away in Spain at the moment. As soon as I am cl I will submit satsuma and piggyback to the FOS.

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Hi,

 

Its been a while!

 

Quick quid is settled, just under £2,000 refunded. The FOS ruled in my favour.

 

I still have 3 currently being investigated by the FOS

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Well done!!


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

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Welcome back GW - Thats so great to hear :) It wont make up for all the pain youve gone through but its great to have resolution to it all.

 

May i ask you to consider making a small donation to the site. You dont have too, but you donating helps other people get the advice they need :)

Any donations go towards our server costs etc :)

 

Also keep us posted on your issue itself and let me know when you get other responses back.


**Fko-Filee**

Receptaculum Ignis

 

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