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    • I can certainly see why your son booked there.  The place has rave reviews from previous guests.  I'm surprised they are being so unprofessional with your son.   On their page under "Questions" they've written   Hi there! On the booking listing on the search page it says free cancellation, however when I go to book it says non refundable. Please can you confirm whether there is free cancellation on this for November bookings? Thanks!   Hello, Our cancellation policy is free cancellation upto 60 days before arrival. However if White Cross Bay has to close due to a second lockdown, we will re schedule your stay or offer a full refund.   I would suggest your son write to them through Booking.com's internal messaging system (Bookings > Owls House > Contact the property) and if they don't reply within 48 hours demand that Booking.com intervene.    N.B.  After a certain amount of time and/or a certain amount of bookings this internal messaging system ceases to work for old bookings so it might fail, but, hey, it's worth a try, it'll only take 10 minutes..   On their COVID Info. page Booking.com go on about bookings after 6 April, basically saying that after that date everyone knows about COVID and that travelling is a risk so it's a good idea to book places that offer free cancellation.  However, before that date - which would apply to your son - I'm pretty sure they had some scheme where you could cancel even if not normally allowed.  Sorry to be vague, but again this is worth looking into.   I suggest these things on a "belt & braces" basis. Obviously keep fighting to get the money back through the Halifax as others have suggested!
    • Typical defence that you would expect in response...reads rather like a witness statement than a defence.   Be wary of point 25 .....are you currently indebted to the agreement ?.....they are relying on CPR 16.6 to use a set off defence.   Andy
    • Thanks Andy - I really do need to read up!  
    • I am going through an ongoing dispute with Sainsbury’s re them not backdating my default. This is my complaint    I would like to further the following complaint registered initially in September last year.   You18 Sep 2019 7:05PM I entered into a Debt Management Plan via Stepchange in 2018. Having checked my credit report I have noted that you have not defaulted my account in relation to this DMP despite going into arrears. The OCI advises that as a general guide defaults should be recorded between 3–6 months after the arrears were first incurred. All my other creditors have defaulted me within 12 months of entering the DMP which has resulted in the correct entries being on my file for the correct amount of time, namely 6 years, and I would ask that you consider amending my record and recording a default at the correct time on my file. Obviously the failure to record the default has an adverse effect on my credit rating as the debt will remain on my credit report now 6 years from the date that the debt is paid in full which is due to be 2022 and therefore will remain there until 2028 .I look forward to hearing from you as to whether you are willing to amend my records and mark the account as defaulted.    Even though I kept reiterating my complaint and saying I wanted this to be in writing only due to my anxiety and mental health Sainsbury’s bank still Insisted on me calling. I suffer badly with anxiety, panic discorder and depression and have done so and been Medicated for this since 2008, shortly when my money problems started. As I am sure you can understand speaking about this on the phone gives me a large amount of stress and makes it impossible for me to think clearly and retain information afterward. Further to these emails I was asked AGAIN to call Sainsbury's, I felt I was getting nowhere and forced into this method of communication. I spoke to an advisor who insisted that AP markers were not as bad as a default on my account and would not drop off longer. I am sure you can find a recording of this conversation and listen to it yourself. I was made to feel stupid for this complaint and that I was in the wrong and that for my account to be defaulted would be much worse for my credit score on the future. The lady almost scoffed at what I was sayIng. I came off the call and felt silly and wrong, I decided to leave it as I thought a trained member of your staff had told me otherwise. I have now spoken to various trained professionals who have indeed confirmed I was right in my original complaint and that the AP markers will adversely affect my account for longer ! I am very upset I have been given false information which led me not to carry on with my complaint adversely affecting my credit and ultimately my future.  Please can this complaint be passed on to someone higher in the department who understands how this works. I would like my account defaulted from the missed payment dates in 2018 and a response to my complaint ASAP. I hope you can appreciate this Is an urgent and serious matter.   - Sainsbury’s have got back to me and said they won’t uphold the complaint. They say the advise given about AP markers affecting your account less than defaults is correct which it clearly isn’t and that I didn’t state at the time when I was requesting everything in writing my mental health issues they were still ok to insist on my calling instead of communicating with me in writing which I think is incorrect, if I have requested communication in writing then they should do it whether they know the ins and outs of my health.   can anyone advise on how I can respond to them?    TIA
    • Not section 75...thats for credit card payment.
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Trying to reclaim PPI, but Paragon says no


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I had a personal loan from 1999 which had PPI on it.

I didn't request PPI but the box on the CCA had a pre-printed tick in it.

 

On challenging the PPI,

Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them.

 

The FOS haven't been much help.

I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation.

 

Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon?

 

Cheers,

OMWO

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When you say that the FOS haven't been much help, what do you mean?

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no but their underwriters were....

 

dx

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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Sorry, something came up that kept me away the computer. I also needed to find the FOS letter. The summarising statement in their letter says: -

 

Unfortunately, because of the date your PPI policy was sold to you, it doesn't look like your complaint is something we can look into, as Paragon was not covered by our service at that time.

 

I've found the CCA and although there's no tick box on the form as I mentioned earlier, all the PPI boxes had the information pre-printed with no option to decline. No policy documents were issued and I don't know who the policy was provided by. Another question arises from the Ts&Cs that were provided - there's no mention of the right to assign the debt, yet it was sold on to a third party debt collector.

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for a loan of that date you'd have to go after the underwriters of the insurance who might have been registered on that date

 

as for the sale

sadly it will be there

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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look on other paragon threads here

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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