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    • This is to put a closure on this thread, and I hope that it helps anyone unfortunate enough to have had any dealings with Gregory Pennington. As you can see from my postings I have been trying to reclaim PPI from these guys, but to no avail. My problem was in identifying the actual underwriters, I tried chasing Direct Group and a couple of others connected with this particular insurance group without any success. The answer was right in front of me.   Luckily I had managed to find the original monthly statements from GP, or at least most of them. And there was the name of Sterling Insurance. Once again I sent off my spreadsheet plus my claim and in reply received a letter from COVEA INSURANCE. It was the standard " we're sorry you're not happy etc " reply and promising an investigation. That was on 14 Feb', on the 17 April they sent me a cheque which was for about 60% of my claim and a letter explaining their decision part of which states...…...………. " Whilst COVEA INSURANCE plc ( formerly STERLING INSURANCE GROUP LIMITED ) was the underwriter of your insurance policy, we had no involvement in the selling of it. The finance was arranged by Gregory Pennington who also arranged the sale of the policy. We have been attempting to address your complaint with Think Money and obtain the point of sale documents to investigate your issues further, however, we have struggled to get the information, and consequently we have decided to accept your complaint, and on an ex-gratia basis refund the premiums with interest. "   So that's it my friends, Another door closed. I hope that this proves helpful...……….If you've had dealings with GP the chances are that it was STIRLING INSURANCE who underwrote the policy. Here is the address that I wrote to initially.   Stirling Insurance Group 50 Kings Hill Avenue Kings Hill West Malling Kent ME19 4JX.
    • N245 time did you not do that? or cant afford the fee?  
    • as you have appealed you have lost certain protections in law but that doesnt change the law of contract.   if you live close to the site or visit there can you please take some pictures of the car park entrance, any signs there and any signs inside the car park plus more importantly pictures of the offending payment machine.   You can pretend to enter something to show what you can and cant see to highlight the problem and use this stick of their to beat them with.   They dont have a hope in hell in enforcing this but being a buch of litigious and greedy cowboys they will, unjfortunately not see reason.   what did their rejecton letter say? No IPC member ever accepts an appeal and nor do the IAS, they are not honest brokers so dont be put off by this.   Please redact any personal information and that will include car reg and any reference numbers, bar codes QR codes etc   If you still have the ticket even better as it show that you paid and then any other demand they make as a condition of parking is of no real consequence
    • Have had phone contact from the court. Judge has sent a court date of mid August, as he wants to see how to proceed in light of the "mystery" discontinuation form. As far as I'm aware, he requires all to attend on the date. I do need to double check the attendance requirements though, as I'm not at home to see the actual letter notification.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies

Recommended Posts

Hi All 


Just to update you all, its been a few weeks.. 

Some typing errors came to light on the CCJ which needed correction but the Writ was finally  issued. 

A notice of enforcement was issued to the builder 4 weeks ago. He responded by making excuses to explain why "a few payments" were missed and wanting to reinstate a payment plan.


Last week SO HCEO made an attendance at the address but no one was available and they couldn't gain access. However they left a card, and the builder has rang them to say he is willing to enter into a payment plan arrangement, and has made a small initial down payment. 


I can not understand why SO is even having this conversation with him since he has already demonstrated he does not stick with agreed arrangements. I don't want to continue dealing with his shenanigans, which is why I approached them in the first place. 


I have explained to the SO that i do not want to go down this line of another payment plan but what if they accept the builders proposal, who ends up paying their fees?  As each week goes by their fees keep on accumulating. 


And are they right to accept whatever arrangement he is suggesting?



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In case of an arrangement they should be asking you if you will accept what is offered. They should also be securing the debt by Taking Control of Goods so should they default they can then remove & sell them to satisfy what is owing - the value of the goods should be worth at least 5x what they owe.


In case of instalments there is no added costs to yourself. Instead payments are made on say a 65/35 split which is you receiving the greater share and the rest going towards fees. Obviously this extends the number of payments that have to be made.


Personally if it were me I would be looking for a minimum payment of £100 per month and preferably £250.

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Posted (edited)
On 08/04/2019 at 20:53, mm2 said:

And are they right to accept whatever arrangement he is suggesting?

They don't have a lot of choice but to accept what he offers if they cannot take control of goods. The builder can keep his door locked to keep the bailiffs out as they have no right to force entry.

If his vehicle cannot be seized for whatever reason, they can't do much else.

Edited by Will Goodfellow

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