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    • I sent one to Together Money- who are Blemain I believe?  Unless there's another address ? I sent one by post to the address on the Together site...
    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
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reclaimGuys want fees - i went to the FOS and won when they failed with lloyds directly

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Hi folks,


After a couple of successful claims against Lloys/TSB for PPI we had one more for a card with Lloyds.


Lloyds refused to pay up claiming in their eyes we were not missold.


We were using Claims Guys to act on our behalf (I know, lazy & costly) and they wrote to us stating that Lloyds had written to them advising them of their decision.


we went direct to the FOS to appeal and the FOS decided in our favour.

Four weeks later and we have had a letter from the Claims Guys asking for their share even though they were unsuccessful in their attempt.


Any ideas if they can do this as with a no win no fee arrangement then I would say not.

I appreciate that they did a fair bit of leg work so am happy to pay them but the full amount?


I was wondering what others thoughts on this might be?


Cheers, Chris

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Please will you post up the E which you received from The Claims Guys. As the FOS have be the people who have done the work for you then I would say that the Claims Guy's have got no basis for asking for any money from you at all.

Can you tell us a bit more about when you ask them to get involved and also what they are they apparently trying to levy?

What a shame you went to them anyway. You've been here since 2015.

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cant see you being able to get out of this one sadly

as much as i'd like to see it.


you contracted them to get the PPI back, you signed the authorisation & consent forms?

their T&C's clearly state or don't ..that it doesn't matter who eventually  succeeds..the very fact they were involved..entitles them to their share.


topic title updated for clarity of your issue



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