Jump to content


  • Tweets

  • Posts

    • 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.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

Recommended Posts

I am trying to find out information for a friend.  She was moved from her accommodation which she shared with others but each having a studio flat, as the Landlord wanted the property back.  As the group did not wish to be evicted, they contact an organisation called Hope Worldwide. They helped her move into another property in a different borough but it was a shared accommodation. She has been in the property for over 3 years.  She recently spoke to the Landlord and found out that he contract with the landlord had expired. She asked if it could be renewed however the Landlord refused but is still allowing her to remain in the property as the rent is still being paid by the DWP.  She is currently receiving Universal Credit but looking for a job. She would like to move out of the flatshare but as she is a single person is not considered a priority.  Any suggestions?

Share this post


Link to post
Share on other sites

Housing rental likely to be open ended with landlord required to give notice, if they wanted tenants to move out for reasons other than eviction due to rent arrears.

 

Universal credit housing compared to council housing benefit does not appear to be as restrictive in terms of people moving to other parts of the UK. If your friend can find housing elsewhere, then subject to UC housing amount payable being enough, then there is nothing stopping your friend moving.  If your friend is is aged 35+ or in receipt of a disability benefit then they can receive at least 1 bed rate.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi

 

I assume this is private housing and she has been in the present flat share for 3 yrs so here tenancy agreement is more than likely a periodic tenancy now as the fixed term has expired (this is me guessing)

 

What tenancy agreement did they sign for the flat share and do they have a copy?

 

They need to look at what social housing is in the area i.e. council housing, housing association, housing trusts etc and get there application forms and fill them out and send them back to each. This way they get there name added to the waiting list for housing but if they move they must inform each of that move otherwise they may be removed from that list as contactable ( most review there lists each year and send confirmation to the application address unless updated, if no response removed from list)

 

 


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Share this post


Link to post
Share on other sites

Thank you for this information. I have messaged the company who placed her in the property and asked if they can intervene.

Share this post


Link to post
Share on other sites
Posted (edited)

Why does she want to renew the contract if she wants to move out? A new contract would mean that she is bound by the fixed term so would be liable for rent until the term finished. Because there is no renewed tenancy does not mean that she has no tenant's rights. The landlord still needs to give sufficient notice to evict her, and she needs to give sufficient notice to leave too. What that notice period is depends on what type of tenancy was originally signed.

Edited by Will Goodfellow

Share this post


Link to post
Share on other sites

Thank you for your reply.  I have tried to get her to contact the organisation who placed her there in the first place. She is waiting for them to make contact to sort this out for her. 

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...