Jump to content

  • Tweets

  • Posts

    • Hi dx,   Yeah I've seen that mentioned, though I'm surprised that if it's unlawful how they even have the gall to suggest it in the first place - there must be a loop hole they have handy.   Sam
    • Once it is confirmed that you have the judgement, then you should get it enforced by the High Court enforcement officers. This means that you will have to go to a HCEO website, and begin the process. It will cost you £66 to have the County Court judgement converted into I High Court judgement and then an order to HCEO to enforce the judgement. You will need to double check that if they are unable to enforce it, that you won't be responsible for the fees. It is standard nowadays for the defendant to be responsible for enforcement fees and if the enforcement fails, then HCEO have to absorb the costs themselves. However you should just check that this is the case when you begin the transfer up process. (Transfer up is where the judgement is sent up to the High Court for enforcement). Enforcement this way is available for any judgement more than £600. High Court enforcement is very vigourous and is the best way forward. However, it is at the enforcement point where you will start to learn whether the defendant exists/has assets/is at the address which you used for the claim/all sorts of other ways that they escape.  
    • Finally the Charge has been taken off after having  to chase them again, because it was still showing on their payment site till yesterday. Thanks for all the advise and help. I have made a donation too and hope this helps in helping other people. 
    • Yes, you don't get a free motorcar. At the end of the day, you have to find yourself in the position that you would have been had the contract gone ahead. That means that you made a contract for a vehicle of a certain value and if goes well, you walk away with that expected value in your pocket.
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

PPi and life insurance on same claim?


Recommended Posts

Positive update, I think!

 

I had another RBS lettter referring to the mortgate protection plan this time.

 

I believe this was 1999 at £7.00 a month which may have stopped in 2003?

 

Then in 2003 at £5.00 a month a Life protector descreasing term assurance, this is still collecting but with Aviva.

 

There are no dates or account numbers but the letter says PPI refund £800.000 odd, interest at £1k odd, minus £200.00 tax , offer of £1700.00 ish.

 

Unless there is another PPi review on going, this may it for the PPi and Life protector, which is possibly not enough as even £5.00 a month over 20 years is £1200.00 but they are quoting £800.00 as refund.

 

What is my best move now please?

 

Cheers

 

E!

Link to post
Share on other sites
  • Replies 54
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

I wrote to you on xxx august 2019 wanting to reclaim the numerous compulsory protection policies you made me takeout in year concerning  my mortgage agreement number xxx dated xxx.   yo

wasting money by using recorded is not needed on most letters 

check their data...

if you haven't got it ask for the data they used to calculate your refund.

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

I have some data!

 

Called and was told it was mortgage protection plan from December 2000 until May (first advisor said August) at £16.00 a month which they make £817.00 and I make £866.00 or £915.00 depending which month you choose, I guess I should question their figure?

 

They advised there is an overfraft and mortgage claim still waiting assesment?! which I have no idea about!

 

What I do know, is I have paperwork and policy number for a mortgage PPi which started December 2000 but was for £7.00 a month, so confused!

 

The other one is this RSA Life protector decreasing term assurance which started in 2003 at £5.00 a month, was advised I must have with the mortgage , transfered from RSA to Aviva in 2011 and is still going! Have paperwork and policy number for this.

 

When I mentioned this on the phone the woman quickly said 'we dont do life insurance' but this is life 'assurance' and was told I must have it!

 

Please advise on the best way to approach this.

 

Many thanks

 

E!

Link to post
Share on other sites

rubbish

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
23 hours ago, NGEddie said:

When I mentioned this on the phone the woman quickly said 'we dont do life insurance' but this is life 'assurance' and was told I must have it!

 

it was not an endowment mortgage!! so it's PPI.

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Ok thanks.

 

So do I write or email quoting the policy numbers and ask them to investigate this too then?

 

Being honest this started in 2003 and cannot recall exactly how, but know I was advised at some time I needed to have this alongside a mortgage?

Link to post
Share on other sites

you have already started a PPI reclaim, it should be included in that.

you cant start a new claim as new claims are now time barred..

 

you need to make it clear to them, that it was NOT an endowment mortgage so there was NO requirement for a life assurance policy, so whatever it is , it was missold protection.

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Yes it is included, on your advice I worded it as 'PPi and associated insurances' to cover this.

 

Thanks, I have another PPi letter on the way apparently so i'll wait on what is says!

Link to post
Share on other sites

The letter was advising I did not have PPi on an overdraft, weird!

 

you need to make it clear to them, that it was NOT an endowment mortgage so there was NO requirement for a life assurance policy, so whatever it is , it was missold protection.

 

Am I best to email or write?

 

Dear PPi team

 

In your letter dated xxxx you have confirmed I was indeed mis-sold the mortgage protection insurance, but have not mentioned the life protector assurance which started on xxxx at £x.xx per month and currently debiting my account. I was advised by yourselves the mortgage protection insurance and RSA Life protector decreasing term assurance were compulsory for my situation and type of mortgage. My mortgage was not an endowment mortgage and now know there was no requirement for a life assurance policy.

 

Sound ok?

Link to post
Share on other sites
  • 2 weeks later...

why not simply say...

 

My mortgage was not an endowment mortgage , there was no requirement to have any insurances, whatever their name.

please refund all insurances , they were all a form of payment protection.

 

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Thanks, they have already agreed to refund the actual mortgage protection plan, the figures are wrong and they are recalculating them.

 

Is email ok/better/quicker?

Link to post
Share on other sites

what about the papertrail if you have to goto the FOS?

 

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

As they have already acknowledged the 'payment protection insurance' been mis-sold, this should be ok?

 

Thank you for your letter dated xxxx which advises you are upholding my miss-selling of PPi and associated insurances complaint.

 

My mortgage was not an endowment mortgage, there was no requirement to have any insurances, whatever their name. Please refund all insurances, they were all a form of payment protection.

Link to post
Share on other sites

I would like to send this next week ideally, if reads ok?

 

I wasnt sure if to quote the reference number of the life assuarance in  the second paragraph somwhere?

 

Many thanks

 

 

Link to post
Share on other sites

I wrote to you on xxx august 2019 wanting to reclaim the numerous compulsory protection policies you made me takeout in year concerning

 my mortgage agreement number xxx dated xxx.

 

you replied in letter dated xxx concerning a payment protection policy but appear to have failed to address the RSA Life protector decreasing term assurance {policy number xxx) which transferred from RSA to Aviva in 2011, which I point out i am is still paying to date, within your above ref'd offer letter.

 

i should not need to point this out, but, the Mortgage i signed upto was not an endowment policy, therefore there was NO legal requirement to have, nor should you have made, either policy compulsory. The only beneficiary was yourselves through ultimate direct payment should I die settling your mortgage sum.

 

please address this issue 

 

 

  • Like 1

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

I usually send everything recorded, trying to social distance and didn't really want to go to the post office, or should I?

Link to post
Share on other sites

wasting money by using recorded is not needed on most letters 

  • Like 1

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • 2 months later...

I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up. 

 

Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!

Link to post
Share on other sites

simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court.

sorry but no speaky..speaky

 

you night find this interesting?

 

https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • 1 month later...

Thanks dx, interesting article and good on Aviva

 

Got a letter from RBS...

 

'Our dept only deals with PPi and a separate complaint would need to be raised with the decreasing term insurance team. We have asked this team to contact you'

 

What do you think the next best step is?

Link to post
Share on other sites
  • 3 weeks later...

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...