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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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Submitted claim for mis sold PPI on Debenhams store card in Feb 2016.

The card was sold to me whilst being served in Debenhams clearance dept in 2000.

Queue of people waiting : assistant "crossed" the parts of the form including payment protection.

 

Santander dismissed my claim

: not mis sold

: Couldn't refer to FOS as pre- regulation.

 

However Santander then wrote back after the Plevin ruling.

Possible unfair relationship because of the commission.

 

They rang me last week for further info ie employment, savings etc at the time I took the card out (18 years ago!!).

They say I will have a final response by 5th July 2018.

 

Not holding my breath, but let's see.

 

Am I correct in my understanding that if they refuse my claim I can then contact Genworth Insurance and if they also refuse I can then refer Genworth to FOS??

 

Many thanks as always

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hope you didn't answer their questions on the phone?


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Single Premium PPI Q&A Read Here

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to be honest so much time has passed since I took the card out : I couldn't answer anyway and I said all of the info will have been on the original form. I submitted a copy of the application form with the assistants markings on it. I got the feeling they were trying to trip me up!!

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good well spotted that was what I was hoping you didn't fall into.

 

there are numerous cases in the FOS examples of the x by tickboxes whereby the rep got about £25 everytime they signed people upto PPI.

 

did you do a spreadsheet and workout what you are owed?


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

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you trained me well!!! they were asking things like if I served a probationary period in my job etc etc.... No I didn't do a spreadsheet but have used the sheets on this site more than once with great success. I think that's my next job. However it's whether or not i Paid more than 50% commission on the premiums?? thanks

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no its whether THEY paid 50% or more not YOU, typically most PPI policies charged you

 

don't confuse hidden commission Plevin reclaim [ the backhander GE money would have gotten from the provident [glenworth?] for selling their PPI insurance]

with the PPI you paid during the course of you usage.

 

two very diff things.


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

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Yes I see about the two different things:

had similar from LLoyds recently regarding the commission which they paid out on but we will see what happens.

 

But that was for a credit card and I went to the FOS,

who suggested to Lloyds that it was an unfair relationship because of the commission.

 

Couldn't go to the FOS with this Debenhams / Santander as it's a store card pre: regulation.

 

But I understand if they refuse regarding the commission I can then go to Glenworth ,

 

and if they in turn refuse I CAN then go to the FOS re Glenworth??

 

many thanks

Edited by cleo4patra
ommission

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Rang Santander for an update :

in theory final response day this week

: they said it's still being investigated.

 

They said they've a backlog of these claims that have been awaiting advice from the insurer but they now are ploughing their way through them.

 

At this rate they'll have had my complaint from when I first lodged it for almost three years!!!

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complaint closed : letter from Santander they say no flaw in the sale and I would have bought the policy anyway. Probably because it was pushed on me whilst waiting in a queue in a busy clearance department in my lunch hour!!!

 

I am now going to write to Genworth Life style Protection stating this . not giving up!!

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sorry to be a pain : got the paperwork out again.

 

Only just noticed the assistant didn't put a cross next to "Employment Status" on the application so clearly didn't ask about my Employment status at the point of sale.

 

Also could this be classed as a pressured sale as I was in a queue of people in a very busy clearance department , was asked if I wanted to save 10% there and then by taking out a Debenhams account?

 

I am now going to approach Genworth who I believe are the underwriters.

 

Thank you

Edited by dx100uk
spacing

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putting an x by sign here here and here is leading you on and giving advice so cant be a non advised sale

you were advised where to sign...all they wanted was the sales commission in their pocket.


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

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putting an x by sign here here and here is leading you on and giving advice so cant be a non advised sale

you were advised where to sign...all they wanted was the sales commission in their pocket.

 

thank you for that as always :

 

I am now writing to Genworth asking them to re-visit my complaint.

 

Received Santanders 4 page final response saying they have grounds to say I would have bought the policy in any event!! .

 

Santander have said it's time barred under general legal principles having 15 years from the point of sale to bring a claim at court against SCUKL .

 

They also say I may still be due redress under Plevin.

Edited by dx100uk
spacing

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ppi is not time barred

its when you discovered it could be reclaimed


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

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ppi is not time barred

its when you discovered it could be reclaimed

 

anything to wriggle off the hook !! I thought that was a bit dodgy !! Thanks

 

I've written to Genworth asking them to re-visit my complaint . For the life of me cannot believe they think it hasn't been mis sold given the circumstances of the sale.

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have had a reply from Axa (genworth ?) saying theyve forwarded my complaint to Santander who will respond of behalf of the insurer. what a carry on

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Santander very prompt response : no change in their decision. Have now approached FOS.

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this is now with the FOS who have set up the case. I have sent them copies of all documentation .

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ppi is not time barred

its when you discovered it could be reclaimed

 

Complaint upheld by FOS : will post further in due course . thank you as always for guidance

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Letter from FOS : Insurance company will be making me an offer : I will post again when received

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Hope you get what you deserve! I've just had a letter from Santander with exactly the same wording "there are grounds to conclude that you would have bought the policy in any event” for a GE Money card from years back. It's actually for a really tiny amount, but found it so rude I'm going to fight it anyway!

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