Jump to content


  • Tweets

  • Posts

    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
  • Recommended Topics

  • Our picks

  • Recommended Topics

Gingi1 v PPI (FD, Co Op & M&S)


 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5503 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I have already sent a letter to M&S requesting a refund of my mis-sold PPI on my credit card (approximately £350) and am awaiting their response.

 

I will be claiming back PPI from First Direct as well, although I am unsure of how to get the information. I sent a S.A.R - (Subject Access Request) requesting the info and they sent me illegible copies of my loan agreements except for one. The one that I can read the states:

 

Amount of premium 2585.36

Amount of loan 2580.00

Charge for credit 743.56 APR 9.9%

 

Total payable 3323.56

 

But the ACTUAL loan was for £13100, so is the above just the PPI? If so, no wonder they made the other copies illegible :lol: .

 

When I wrote to them explaining that the copies were illegible, they replied saying that the copies were the best avaiable and if I have a problem to complain to the FO - which I have done today.

I will also be claiming back from the CO OP for a loan and my credit card.

 

I beleive that I have a strong case as I have proof from Allied Dunbar (now Zurich) that I had a private policy protecting me already.

 

How is it best to proceed? Any help appreciated.

Link to post
Share on other sites

  • 2 weeks later...

Hi, Have you thought about contacting the Information Commissioners Office regarding the illegible copies of agreements that you recieved, I am sure that there must be something there that states that the information has to be in a elligible form. ( I will have a look through the ICO regs today if i get a chance.)

 

Its just a thought I had..It may be of help.

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Thanks Ian, I have sent my complaint to the FO and am awaiting their response, I included the fact that they are denying me access to my own information and hope that they will then force First Direct to play ball.

 

Do you have any thoughts on the PPI above? Could it really be that much?:eek:

Link to post
Share on other sites

Hiya gingi

 

its possible that it could be your ppi agreement my loans for £10000

and my ppi with their interst is £1789.72

Dont know what ian thinks ???

 

 

good luck and keep us posted

 

delly xx

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

Link to post
Share on other sites

Hiya gingi

 

 

its possible that it could be your ppi agreement my loans for £10000

and my ppi with their interst is £1789.72

 

Dont know what ian thinks ???

 

 

 

good luck and keep us posted

 

 

delly xx

 

The rate for the PPI sounds about right, My PPI could have cost me over £18000 on my loan. Especially with single payment PPI, which you have aslo to watch because most of these only cover a 5 year period.

I got better PPI cover for a tenth of that cost and to cover the whole period of the loan.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

  • 4 weeks later...

Wonder if any of you can help with this:

 

I have asked First Direct for information regarding PPI insurance mis-sold to me on several loans and a credit card. They sent me illegible copies of my loan agreements, when I asked for clearer copies or a spreadsheet detailing the costs, they replied that the copies received are the best they can do???? I have now lodged a complaint with the FO as I believe that mis-sold PPI will total over £10,000 (last 6 years on all loans and credit cards when I had a private policy that covered me and was forced to take their policy or not be accepted for the loan/card) my questions are as follows:

 

a) does the statute of limitations run from the first day of my enquiry/complaint or is it a rolling date?

b) is there any other way of forcing them to give me the information required?

 

Regarding Co Op I am sending off their letter tomorrow. I am claiming over £2395 plus interest for PPI on a loan and all of the PPI on my credit card.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...