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    • 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.        
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    • 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.    
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    • If the claim is private individual against business, the case should be heard in your local court. Did you buy the dress under a business name or your own individual name?
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james2222

Santander/Alliance & Leic. PPI dead end.

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I had a couple of £3000 loans from A&L in 1997 and again in late 1998 and paid PPI on one of the loans. 

The repayments overlapped for some months towards the end of the first loan.

 

I remember getting the completion certificate when the second loan ended, which clearly showed the PPI amount paid on this loan.

 

I was so pleased to have paid the loan off, so celebrated by tearing up the completion certificate a few months later, thinking 'I'll never need this again'  … oh what a numpty I am!

 

Have tried SAR to Santander, giving all details but just got the , 'we have no records of this', response.

 

I still have all my bank accounts showing the monthly payments to Alliance and Leicester …

it shows differing monthly payment amounts

(i.e. the PPI loan cost me more each month than the non-PPI)

but obviously this does not prove PPI was charged,

although its pretty obvious it wasn't just due to the interest level being charged,

which was the same on both loans as far as I remember.

 

I don't know who the underwriters of the loan or PPI were and Santander say they are unable to assist me in this either …

as they have no records.

 

Just before I give up and say …

this is 'Game Over' does anyone have any ideas on what else could be done.

 

I did try calling the special helpline on A & L loans ( was given the number 0845 6006014) but the BT message you get, says this has now been disconnected.  

 

Oh, why didn't I keep just one flimsy bit of completion certificate paper!!

 

 

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use our custom google search box and find the underwriters 

alliance and Leicester A&L ppi

 

or something alike


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

spreadsheets 

 

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Interested in how you get on here....My partner is in EXACTLY the same position with A&L/ Santander...


1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Posted (edited)

My OH is in the same boat aswell.

 

All we could find was an early settlement figure details with A & L loan that showed rebate of PPI and account number.

 

This was settled when we moved property in 2001.

 

Contacted Santander but as usual they could find nothing apart from confirming the account was closed? They were really not very helpful.

 

No idea who Underwriters are and would be interested to know how we can find out. 

 

 

Edited by Baz1994

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post 17??

 


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

spreadsheets 

 

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Cheers dx

 

Do you think if I just give them a call on that number quoting the A & L loan reference, that will be suffice?

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Dunno cant hurt


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

spreadsheets 

 

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