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    • I applied to the Court to act as litigation friend has my son is Severely Mentally Impaired and sent the proof they requested from his GP so I thought this might have been accepted without a hearing. I cannot believe the claimant is still convinced my son was the driver.
    • I had to call an ambulance for my wife, but one of the paramedics was not happy, about the condition of our house, as it's cluttered. And he  would only see to my wife, on the ambulance itself. After diagnosis they took my wife to hospital. My wife was ill for a few months, and received help from the district nurses. We then got a call from a social worker, who wanted to visit us, and discuss ways to make my wife more comfortable. When I asked for more details, she became vague, but could give us a phone number, if she visited. I politely declined her offer, as I was coping, along with my daughter in caring for my wife. Then a letter arrived from another social worker, saying similar things, to the first. I didn't bother to reply. Another letter has just turned up, from the social services legal department, which doesn't say anything specific, but refers to the other social workers trying to visit us. Coming from a legal department, has badly upset my wife, who's recovery was on going, and she now fears that someone will be coming to the house, to do whatever. Do we have to respond, or take notice of these people. Also we recently had a fire prevention officer come and fit, smoke and heat detectors. He didn't voice any concerns with the conditions at the property. Worried, Paul.
    • By not sticking to the deadline which you set you have lost credibility. Your letter of claim becomes one of hundreds of others which they receive and which they put in the bin because they think that you are just bluffing.  
    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
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Wilson v Halifax


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I sent of my DPA yeaterday as I rather stupidly got rid of all my statements for the past 10 years 2 months ago. I sent the £10 cheque and today noticed that they had taken the money from one Halifax account and cashed the cheque into the account I am requesting the statements for! I have no idea what thats about but it does show that they are stupid. If they didn't want to take the money why didn't they not cash the cheque rather than cashing it from one account to the other. Anyway not sure what my claim amout will be but expecting a couple of hundred. It's not big money to most people but it will help pay for a cheap holiday rather than going into some fatcat's bonus.

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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It certainly is - even if it's only 1 charge, it's still your money.

 

They also did something very similar with my fee...

 

Best of luck

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 5 weeks later...

Just got back off holiday today and a letter has come in the post from the Halifax. They said that they can not send the statements until I pay the £5 charge. Well I sent them a £10 chq with my letter which s the amount they requested. This chq was paid into my Halifax account the day after I sent it to them! In other words they cashed the chq back to me!!! These idiots are clueless and trying to slow the process. Someone in the local branch is going to get ripped to pieces in the morning as I have terrible jet lag and I am not in the mood for these wasters! Let war commence!

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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They cashed my postal order, into my account -and then sent me a cheque for £5.

 

Since my account was £650 overdrawn, they effectively let me reduce my debt by £5 and still get my statements :D

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...

Well today 20 envelopes came full of statements added them all up on the excel sheet and it came to £281 so will get the first letter sent off in the morning.

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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  • 2 weeks later...

I have received a letter today from the office of the chief exec. I had emailed James Crosby a copy of my letter as I had delivered it by hand to the branch and also sent a copy to the head office in the post. When I rang up they said no letter was logged as received 10 days later so I emailed him. Anyway the letter says they are looking into it and a manager from the "Core business" will respond. Anyway 2nd letter is off in the morning they have 14 days from then or its moneyclaim here I come. They gave me a number 01422 333465 to call if I wanted to talk to them. I might give it a go in the morning what do you think?

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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NO.

 

Stick to the game plan, letters, letters, letters.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Got a letter today offering £90 so going to write back saying they can pay this in but I want the full amount and will move to filing in court next week.

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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Spoke to Halifax today they said max offer is £113 and that is final they will not pay and allow a court claim as they make you sign a form for the money. I said I want all my money back and they said well you will have file in the small claims court. Now in my letter I said I would give them 14 days which will be the 3rd July, since I have spoke to them and they said they will not pay up do I still wait or do I file now?

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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We would normally say allow the full 14 days, however this does seem very clear cut. Did you record the conversation?

 

The only (very) small sticking point could be that if they deny that part of the conversation and it then appears that you rushed into court action.

 

If you are not absolutely desperate for the money, then wait the 14 days.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Some people, given such a definite refusal, go ahead immediately. Others wait the full 14 days, which is probably safest.

 

In the meantime you can register at moneyclaim, fill in your claim and then save it, so that come 3rd July it's all ready and all you have to do is click on the final submit button. That way you can take your time and at any stage go back and amend it if need be as many times as you like before you finally submit the claim

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I am already registered at Moneyclaim as I have just claimed gainst MBNA. I have already done my claim and saved it but I will wait until the 14 days are up I don't want to give them anything to use against me.

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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I think you are acting wisely .You have to prove to the court that you have acted reasonably and a court action was a last resort.The courts tend to look at 28 days of trying is a reasonable amount of time hence the time periods of each letter.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

Filed online today for £315 plus intrest of almost £100. Hopefully should get a fast settlement but who knows.

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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Hi

 

Could you send me your claim details so that we can post in the Litigation section?

 

Claim Ref No.

Amount of charges claimed / interest / costs

 

Cheers

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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The court have sent me a letter saying they intend to defend. Bit worried now.

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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That is standard procedure - there is nothing to worry about.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 3 weeks later...

Got my money back on 27th and a letter in the post today expaining it would cost too much to defend and they would not get costs if they won. £430 including intrest and court fees!

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

MBNA - £592.50 Settled in full

Halifax - Filed for £409.50 Settled in full

Capital One - £40 Settled in full

Cahoot - £60 Settled in full

CitiBank Card - Data Protection Act to be sent

EGG - Deciding what to do about being scammed on PPI

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