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    • we're here for you. take your time.  dx  
    • then the who thing cannot have anything to do with paypal then, they cant be involved at all. chargeback fee? from whom never heard of that one either. ebay/paypal must have changed their T&C's again then since the demise of brexit and EU agreements. i can only assume he paid paypal, who acted solely a payment intermediary, to buy your trainers from ebay. and ebay added a £14 processing fee? thats unlawful hence their refund. i dont think there is anything you can do here sadly. classic ebay scam that goes back +30yrs. just now rejigged for the 22nd century.  typically it only resulted in an unenforceable paypal balance that you simply walked away from... but now ebay has obviously tightened up on losing out to these scammers and added an unlawful fee to scrap some of their historic losses back.      
    • Apologies, I am still getting used to the site. Understood, ill have a read and come back if I have any other questions. Thanks 
    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does not matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
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PPI rejection - Debenhams store card 1999, orig GE Capital - now satan - FOS or Small claims court??


Determined100
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Santander have rejected my PPI claim (store card) from 17 years ago on the grounds they believe it was sold in a proper manner (over the phone - which it wasnt - as I signed-up in-store with an agreement the assistant ticked for PPI) and was offered as optional and appropriate for me etc etc - which I absolutely disagree with.

 

I have issued a SAR - but already do have copies of Agreement and statements etc.

 

Unsure of whats best as next move

- do I escalate issue with FOS (that I'm not hearing good reports about!) or small claims action?

 

The amount of money involved is probably fairly small (circa £200 in PPI premiums?)

 

Any thoughts appreciated!

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Ah the old button holed by the assistant so they could pocket the commission

 

Not got little x's they put and said sign here etc...

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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Absolutely.

 

Brought items in store

- signed an agreement which assistant marked up and advised apparently needed to have PPI if you want immediate approval!

 

Bank now suggest that this was perfectly acceptable practice and I would have had the opportunity to review T's & C's at the point of signing - what!!!

 

Stood in a queue, clutching a pair of jeans and a couple of shirts

- with people waiting to pay behind you

- well of course I'll have a review of your piggin terms to see if I'm being stitched-up

- even though the terms do not state how much this PPI farce will cost me.

 

Bank suggests I would have had 30 days to cancel if I wasn't happy

- but they didnt send the formal info in post to me till 60 days later???

Not amused!

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Look on the fos website

There are a few case examples and here 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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Share on other sites

Recently submitted SAR to Santander- the same bank who was handling and rejecting couple of old PPI claims.

They have stated they hold no data for me - despite my having a current account with them for last 12 years - which is registered to my current address - detailed on my original SAR.

 

 

Excerpt of letter below:-

 

Can anyone advise whether you have to detail ALL previous addresses where they may have held data

- I originally provided full name, current address, date of birth

- and asked for data held on any and all addresses for me.

 

 

Equally, I'm not sure they are allowed to suggest they only hold data for 6 years

- when, whilst trying to log a PPI claim, they found data on old store cards going back 17 years?

SAR rejection003.pdf

Edited by Determined100
wrong attachment
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yes you do

read the sar and all its posts

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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Share on other sites

Thanks re-read the posts and will write to them again.

 

However, my issue is that

1) not sure I'll remember all my addresses over last 20 years,

2) if it's genuinely only limited to 6 years - pointless exercise,

3) I thought a SAR required all information 'uniquely and personally identifiable' to you

- which an address is not

- whereas a proper name and 'date of birth' is very much unique to me and easily searchable/identifiable?,

4) My current account is with them and at current address - which they haven't even found

5) they clearly do have info beyond 6 years which they have failed to disclose

- as they are dealing with PPI claims older than 6 years (and rejecting them based on the records they hold - even if incorrect!)

 

Have reviewed ICO website regards longevity of data which doesn't suggest any cap of 6 years

- just as long as company holds data, in accordance with rules of DPA and their own compliance policy?

So surely, if they HAVE the data (which they clearly do) - they have to release it?

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Bank has now provided 'final decision' and rejected my claim

- as has the insurer, Axa.

 

 

Have sent SAR to bank but still awaiting results

- although do have my original agreement and statements etc.

 

 

Bank suggest as account prior to 2005, I cant go to FOS with complaint against them - but can against Axa??

 

 

If I wish to proceed and reject their decision

- poss small claims

- do I go after the insurer or bank as original creditor?

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well you need to do a bit of a resit for now

so this was a store card?

with GE money?

and who's store?

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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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Share on other sites

You do need to get a move on if you are going to be escalating your claim to the FOS. Aside from which, the FCA have advised there is now a deadline for PPI claims - August 2019.

 

Although as I understand it, "We fight any claim" are or have taken the FCA to court according to an article I found online dated March 2017.

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ideally you need all the statements for the FOSrunning sheet to work properly

you can use the fos CI one to get an idea with limited info

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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Although as I understand it, "We fight any claim" are or have taken the FCA to court according to an article I found online dated March 2017.

was initially rejected, some recent info re

http://www.insurancebusinessmag.com/uk/news/breaking-news/we-fight-any-claim-battles-it-out-against-ppi-claims-deadline-75757.aspx

https://www.ft.com/content/f221941a-89b6-11e7-8bb1-5ba57d47eff7

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  • 1 month later...

I am considering starting a small claims action - to recover mis-sold PPI premiums from apprx 20 years ago!

 

Please can someone advise as to whether I have to calculate/show the interest element I am asking for in restitution

- or do I just show the value of premiums paid and ask the Court (if my claim is successful!) to award interest as they see fit?

 

Equally, if I have to identify value of interest

- do I use statutory or ask Court to award compound interest in restitution

- calculated at contractual rate of agreement (15%) charged to date of claim

(even if I could do this - am concerned that 'compound' calculated over 20 years on few hundred pounds could take my claim over £10k - therefore no longer being able to be considered in Small Claims track? Very confused!!

 

All help much appreciated!!

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firstly,

have a look at the fos site re how they calculate ppi redress.

as that wld probably be considered in any claim.

 

generally, it's not simply a case of adding stat interest and compund interest to the amount of premiums paid.

the history of the account would need to be looked at, and if not fully available then a reconstruction.

 

also, generally, interest amounts claimed should not count re the technical value of a claim for the purposes of track.

 

interest should usually be set out separately on a claim form as per the civil procedure rules.

is there a background thread on this, have you exhausted complaints and fos.

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the fosrunninsheet will do it all for you.

you cant charge them at their interest rate after they stopped charging it.

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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Many thanks Ford. I feared it wouldn't be simple!!

Yes, have exhausted route with 2 banks - made original complaints (via Resolver) but one bank claims I have not had PPI on my account - despite my providing copies of statements that clearly show I have! Have queried several times - but they are holding their position and stating thats their final decision? The other bank state I requested PPI on telesales call - which I definitely did not (took out in-store for storecard with pre-ticked application form). I considered escalating through FOS but varying reports/experience on their level of expertise in resolving matters - so issued an LbA to banks and thought I would try and pursue via small claims procedure??

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... I considered escalating through FOS but varying reports/experience on their level of expertise in resolving matters - so issued an LbA to banks and thought I would try and pursue via small claims procedure??

 

maybe should've tried the fos first, never know. which banks, why 'resolver'?

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