Jump to content


  • Tweets

  • Posts

    • Update:   A couple of weeks further along, and the charge has now been cancelled. In that regard alone the outcome is acceptable.   In the interim ...  There have been additional demands from CPP/PE in the most glorious and laughable obfuscated prose/legalese I have pressured PALS I have chased past correspondence I have contacted other Execs I have involved my MP who has now acted I had primed the local newspaper who was planning a piece this week   However ...   - PALS didn't respond until I complained in person after almost 2 silent weeks; then promised to help and a couple of days after that advised that the Hosp had said thye had no authority over the Parking Co. I told them the hosp had told them wrong, explained why and pressed them to go back ... since when I have heard nothing despite chasing them. - UHCW Trust Estates & Facilities Dir. is yet to respond, though contact was *only* a week ago. - UHCW CEO/Chief Administrator has never acknowledged/replied-to any of my letters/chases. - UHCW CEO/Chief Admin reacted immediately to MP letter however by passing it and my correspondence to Estates and Facilities Dir to deal with, who in turn replied to MP with cancellation, who yesterday copied that to me for confirmation received this morning.   Passing thoughts ...   - People who could/should have been dealing with it for the injured party elected not to. - PALS has good intentions but is useless if they don't have a leaflet on it - will follow the Hosp line on everything else without questioning their words. - The Trust's Administration is not approach-friendly, in this instance stating "... car parking managed by a Private Finance Initiative Service Provider"  and that therefore  ".. Trust has no power ...  in the processes applied by CPP .." Oh, really?!  - Trust accepted CPP's word that the equip't was not faulty as claimed, not the rather more reliable word of a visitor having been put to considerable inconvenience at 5 a.m.and who went to some length with staff to deal with it instead of buggering off home. - CPP "have agreed (to cancel) as a gesture of good will." WHAT?! THEIR good will? THEY are willing to let MY failings pass and kindly make allowances? Couldn't be more self-delusionarily wrong!   Sadly, I can guarantee that what is actually important in all of this will not get any attention   - providing an alternative payment method for patients/visitors for when the equipment malfunctions ... at any time not just the wee-hours ...  and tell staff ...  and put notices up. - UHCW taking any notice of their culpability in CPP's unlawful breaching of GDPR in accessing keeper details now that it has been brought to their attention. Head In Sand.       All of this comes of course from pulling-up the drawbridge and deny, deny, deny. It is the knee-jerk response of almost all large organisations, but one for which there should be no place in a Hospital Trust that should strongly want to distance itself from uncaring attitudes and irresponsible practises.   Anyway ...   Anyone finding this because of a similar issue of their own, my strongest advice is to heed the advice given to you on this forum - it put me straight on to the right path and got rid of some nervous uncertainties which makes all the difference to peace of mind, something that CPP relies on to add pressure for those who aren't aware of what's what.   My thanks again to all who kindly helped.            
    • At the investigation yes, they are seeing if they can build a case.   Like the police interview you before deciding if you are going to be charged. Not everyone is charged as some people have done nothing wrong!   If you tell people what the investigation is about before they go in, a proportion will use that knowledge to prepare really good lies. That's why companies don't do it.   I would have a read up on the ACAS site of guidelines for both investigations and disciplinaries.    https://www.acas.org.uk/index.aspx?articleid=1874
    • So they've back-tracked on their original statement that his insurance has been voided. If it's not been voided and was in force at the time of the accident there is no role for MIB. MIB gets involved if a driver was uninsured at the time of the accident, but 1st Central are now telling you he was insured. In the response you have had from MIB that is what they say, he was not uninsured. Whoever it was who told you that the policy had been voided was, by the sound of it, telling you something that simply wasn't true.   I've never heard of 1st Central but from their website it's clear they are an insurance broker not the actual insurance company https://www.1stcentralinsurance.com/who-we-are  As a broker they are acting for their client, the driver, and have no duty to be impartial in considering whose fault it was.   So looks like you have no option now other than to start a small claims court action against the driver.
    • Pass all of these letters to mib when you start the claim. Eventually they will have to pay up.
    • Only that I will be updated this week.    So what your saying then is I should recieve a letter inviting me for a disciplinary hearing and attend a disciplinary. I thought the disciplinary was to give you the outcome of the investigation.     It seems a little odd that I have an investigation meeting I am asked question and given the chance to reply to the questions. It seemed odd that in this meeting I was shown evidence against me that I had not previously seen. Surely I should have been given the evidence first before being asked questions about it. It feels like they are building a case against me at the investigation meeting......
  • Our picks

digadood

Nolans/Cabot SPC Claim - old LLoyds Loan

Recommended Posts

well as long as the last payment is +5yrs before the date on the SPC its SB'd


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

so I figured out the reference numbers things and i'm afraid it's the one I didn't want it to be. so this won't be statute barred for another few months...

 

why did I pay them... sigh.

 

I have been reading similar threads and I can see that all hope isn't quite lost yet but my wife is rather worried about any potential black marks for the future.

Share this post


Link to post
Share on other sites

you cant escape those now

I bet the debt is already defaulted on the credit file anyway.

 

but lets not worry about all that for now

its not important.

 

you can even agree a repayment schedule in court and you wont get a decree.

 

but as I say that's miles down the road yet.

 

pers i'd await that sar then comeback

 

you've nowt to do till just before the response date of 4th jan.

 

there are numerous SPC simple procedure threads here.

use the top red toolbar search CAG box

 

SPC simple procedure

 

wont hurt to get reading up.

 

dx


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thanks dx!

 

I'll keep on reading more threads, i'll make a point do some research a little bit every day.

 

That's good news about the decree, that is what she is most worried about. It is defaulted on my CF 06/13, oddly the value on my credit file is £100 than what is on the SPC.

 

I'll await the SAR, I shan't forget.

Share this post


Link to post
Share on other sites

don't forget this...….


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I haven't! I'm just waiting for a letter from TSB.

 

They replied quickly enough but they want me to go into branch to collect it so I would have expected that a few days ago but I guess the holidays mess things up ...

Share this post


Link to post
Share on other sites

what the letter about....conf of last payment?


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

It was to provide branch verified copies for my SAR.

 

They had mentioned the last payment they could see when I called but I was hoping the SAR will provide some more information. It's just taking a little longer than I'd like

Share this post


Link to post
Share on other sites

I received the SAR today. Certainly lot's of paper!

 

Only real thing is a reference of it being transferred to collections mid 2013.

 

Should I have received stuff from collections in the SAR?

Share this post


Link to post
Share on other sites

Yes

Go ring them and ask where it is


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I have letters from Lloyd tsb collections with statement and default but the very last line is referred to Lloyds tsbrecoveries.

 

I have just got off the phone and they say they reached out to recoveries and external agencies but received no reply so there was nothing to include in my full dsar.

 

I would have thought there would be some sort of mention of debt collection

Share this post


Link to post
Share on other sites

stringing you along..

it part of the sar. a LEGAL requirement

 

give them 14 days to get their finger out or you will make a serious complaint against them with the ICO and seek financial compensation.


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I've sent them an e-mail to that effect, tried calling over the weekend but no dice and I doubt i'll have much luck tomorrow...

 

As this is due by 04/01 and after reading threads I presume the best course of action would be to

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?476735-What-To-Do-Simple-Prodedure-Rule-Claims-Scotland(1-Viewing)-nbsp follow post 3 on that, get a CCA fired to cabot as soon as I can.

 

I feel a bit silly about it all, guess the CCA should have been done earlier I had just hoped the SAR would help illuminate things :(

 

Thanks for all your help!

Share this post


Link to post
Share on other sites

no nothing wrong with the course you are taking.

 

if the CCA was needed earlier it would have been advised.

 

the icing is the SAR, but ofcourse you don't want to reveal any of the to the fleecers.

but weighing things up, you appear to be indicating this cant be statute barred so no real worry.

 

dx


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

just to check i'm sending the CCA to cabot with the reference number they use or nolans with the reference number in the claim (the original loan number)?

Share this post


Link to post
Share on other sites

OC's original number

but don't send the CCA until you've that response form ready to go.


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I'm doing the form now, struggling to get all the text into the D1 section so i've made it a separate file that I will attach. I assume the court will be happy to receive it via e-mail?

 

Shall I just include the CCA and postal order with a copy of my response to nolans?

 

I was going to post and respond tomorrow as the last date is the 4th

Share this post


Link to post
Share on other sites

No royal mail

 

Read the guide


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Email to court is ok yes

CCA to Cabot!!

1st class with free proof of posting from any p.o. counter

 

Do not email nolans copy reply form use as above


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Got everything printed out today, will check it all over before I post it later.

 

Thanks for your help.

 

Received a reply from TSB this morning, they have contacted the departments again for a thorough check and they came back empty handed. Suggest I send a SAR to Lloyds, which I already have done. They ain't got anything either.

 

 

Just seems strange, clearly my information got passed on. Why isn't there any record...

Share this post


Link to post
Share on other sites

ok well you've done your best

 

look at it this way...

in your reply form you are disputing the balance..

if you cant get the info

then nolans wont be able too either!!

 

so if all else fails, which I doubt

they will have to explain when and how payments wee made esp as you are disputing the balance.??

 

- - - Updated - - -

 

what bank account did you pay the loan from?


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

They were paid from a bank account held with them too. I've got the statements there, I had sent some token payments from an rbs account after.

 

The information I have from the SAR had loan statements up until mid 2013 where it just ends with the line passed to Lloyds tsb recoveries and that's that.

Share this post


Link to post
Share on other sites

the sar should hold all your BANK statements too

its not just limited to the loan

its ALL dealing with the group

so do you have the bank statements?


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Sorry, I'm not explaining it well.

 

The SAR contained bank statements for all my accounts, a separate section labelled information from our internal systems and a section from the loan department.

 

The part I'm querying is the last loan statement ends sent to recoveries but I don't have any information from that department.

 

As far as I can see everything else is correct.

Share this post


Link to post
Share on other sites

you were trying to confirm last payment

your bank statements should do that....


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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...