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    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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craigten

Welcome: 'Don't have a valid PPI complaint'?

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Yes, I know, lots of questions but very little action.😳😊

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On 05/07/2019 at 22:26, dx100uk said:

well that's of your doing..

prioritise things that need to get done so you don't miss PPI timelimits.

the rest can wait..

Quick one, I know that I have a HSBC PPI issue that I really need to get going on before the deadline (although I am very grateful to you guys on here for advising that I can make a PPI claim before the deadline, and then continue to gather information, just so long as the claim as been put in). but does the deadline include PPI claims such as this to a 'non-bank', please?

 

Also, please can I have a hand with how to go about making a statutory interest sheet?

Edited by craigten

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doesn't matter


please don't hit Quote...just type we know what we said earlier..

 

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Only for banks PPI claims?

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Quick one - does this PPI claim fall under the same PPI deadline as the banks, 29th of August?

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ok financial institutions..ppi regardless 


please don't hit Quote...just type we know what we said earlier..

 

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I don’t understand?

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PPI is to protect incase you cant repay the finance they gave you..

 

 


please don't hit Quote...just type we know what we said earlier..

 

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16 minutes ago, dx100uk said:

PPI is to protect incase you cant repay the finance they gave you..

 

 

Sorry, yes I know what PPI is, but I am unsure whether the deadline is for banks or all financial institutions. Ie, do Welcome come under this umbrella / deadline?

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what do welcome provide that needs ppi cover?

 

 


please don't hit Quote...just type we know what we said earlier..

 

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I don’t follow you? I just want to know whether this claim that I need to follow up has to be in by the deadline?

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ofcourse it does..as do any PPI claims...

welcome provided finance [credit]

the PPI protected that.

so why aren't they a financial institution??

ofcourse they are...


please don't hit Quote...just type we know what we said earlier..

 

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On 25/06/2019 at 22:17, dx100uk said:

any possible PPI claim will be against the underwriters, who would have been regulated at the time. in most cases [check up] they were [eventually] aviva I believe. there would be no time limit.

 

welcome are then talking about the situation regarding a PLEVIN reclaim of unfair undisclosed commission they got paid by the underwriters for selling their product..this is why they are relating to the time limit, which does apply.

 

i'll read the letters later.

but the bottom line without the at least full agreement or statements , theres very little chance of reclaiming the PPI itself 

but the thinks they list, would all be classed as PPI regardless of the various 'names' they use to sc@m people out of money inc GAP which WAS ppi too.

 

I've seen from another thread on here that the underwriters were, eventually, Aviva. Any tips on which head office to send the FOS CQ to, please?

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Or is this to be sent to Welcome? Also, please can you help with the stat interest sheet? I don't think I've done one for years?

 

Sorry for all this....I really do need some help, though...

Edited by craigten

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just get a claim into aviva use their ppi link on their site??

just register the claim that's all.

 


please don't hit Quote...just type we know what we said earlier..

 

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You. 

Are.

Brilliant.

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Doh! I think I've finally got this - I can only claim the PPI and not the other things that Welcome charged me such as Gap Insurance, Collision Call and Mechanical Breakdown because of the fact that Aviva were regulated at the time!!

Question - Could I not do a small claims court claim against Welcome for the others?

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haven't said that.

its all part of the PPI

but get the claim in!!

 

bolt on the rest later.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Aye Aye Captain.

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Somewhat unbelievably, I have completed the online claim with Aviva!!!!! Phew!!! 🙂

I have just made the claim for the PPI for now and have added the policy number for it.

No need to contact the FOS now then, just wait?

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Update:

Upon sending my complaint and Welcome PDFs to Aviva, they sent the following email:

 

Thank you for your e mail.

Please complete and return the attached questionnaire and we will be pleased to investigate this for you.

 

As your request for information relating to PPI policies has been received prior to the FCA deadline of 29th August 2019, if we do locate a payment protection policy, we will automatically treat your request as a complaint, as per guidance from the FCA.  Due to the current high volumes of requests we are receiving, you will not hear from us until after the deadline has passed, however you will not be impacted by this as your request has been received. 

 

I'm guessing this is a generic response being as I already attached the evidence but obviously I shall complete the questionnaire. 

Looking positive, though......

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No use the fos cq


please don't hit Quote...just type we know what we said earlier..

 

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Just seen this. Thank you. And add that the CQ is all they need?

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barest of info

and don't do a scatter gun of reasons why it was missold.

just the main reason.

as said earlier the finer points can be introduced as the claim progresses.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Excellent!! Thank you.

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