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    • is he the joint owner of the old home?  
    • Hi BS,   In post #1 you refer to the m/ship "........for now over 12 month period ........" and also,  "........ experience over past 2 years with DL has been shocking ........"   1. Can you confirm when the current m/ship started ?   2. Can you explain a bit more about the freeze due to surgery - like who needs surgery and are they talking about freezing the m/ship for the whole family ?   DL are not good about freezing and allowing you to use a freeze as part of their 3 month cancellation period. However, we maintain that their 3 month notice period is excessive.   So, before we offer suggestions for your best move can you confirm, do you want to maintain the m/ship to use after someone's surgery; or do you want to cancel the m/ship asap ?
    • they not get back together  dx, that was final nail in the coffin so to speak, they not really been together for many years, him being on furlough  did not help, etc, so no he on his own now    Thanks all for the the help, I will pass the info onto to him, when I see him     Sandy xx
    • As the others say, you need to reply to a Letter Before Claim as it's a formal notice of intention to start legal proceedings.  You need to show them you've sussed their claim is pants and they would have a real battle on in court.   You can either ridicule their claim as it is ...   ... or else name the driver.    If he was in the UK they would then leave you in peace and hassle the BiL.   However, as he's in Italy there is very little they can do to him (I know, I live in Italy too!) so, as dx hints, they are likely to try to invent some stupid reason to continue hassling you.  It'll be "too late" to name the driver.  Or they "are unable" to accept an address in Italy as they can't work out how to use the Royal Mail site and buy the correct postage stamp.  Or some such rubbish.   You need to decide about the BiL.    
    • creditfix did him a favour!   there is nothing to complain about other than they encouraged him to blindly pay loads of debts , running the Statute barred date to infinity on debts that he most probably doesn't even NEED to pay and never did.   get him to ask himself this questions SD.   if he REALLY did owe the money WHY did the original creditors sell the debt on for peanuts to debt collectors (typically <10p=£1) and not take him to court and CRUSH HIM.   he has been cash cowed blind by the system for i bet 15+yrs any debt that is with a DCA tell him to STOP PAYING.   go back to his wife and tell her he made a mega mistake by going to sort his debts out as they were not owed in the 1st place.    
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
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PPI Letter from Blackhorse


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Hi everyone 

 

My dad got a letter from Blackhorse telling him he has PPI with DFS trading Limited on the 5th July 2007. It didn’t provide any bank statements or letters from the policy. 

 

Ill upload the letter for everyone but I’m not sure if we’ll need to get the bank statements or could we just make a claim? 

 

Any advice would be much appreciated. 

 

Thanks 

Andrew 

IMG_2566.jpg

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Get the claim registered

Worry about details later

Attach a copy of that letter

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... 

 

 

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Hi dx100uk 

 

ill get a letter sent off tomorrow, is there a standard template I should use or just say I want to claim on my dads policy? Sorry it’s been awhile since I did a PPI claim.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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short letter

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... 

 

 

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Hi dx100uk

 

Would the following be okay for a short letter? 

 

Dear Sir/Madam,

 

I purchased the above policy from you on [date] in connection with a finance agreement referenced above.

 

I believe I was mis-sold this policy for the reasons given below and wish you to investigate my complaint according to your normal complaint procedures.

 

I was not told that the insurance was optional and I was led to believe my application for credit would be rejected if I did not take out the finance.

 

If my complaint is upheld, I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. 

I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.

 

Please now investigate my complaint within the eight weeks allowed to you.

 

Yours faithfully,

 

 

 

Thanks 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Idont tgink you nwed to say anything yet as i said

dont box yourself in 

 

simple say

with regard to the enclosed letter

I Wish to register a complaint of ppi misselling.

 

regards

 

 

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... 

 

 

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