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    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
    • Kim Kyeong Yeon developed his virus-destroying machine after his child injured herself. View the full article
    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
    • so who remembers this utter cobblers spun by the right wing (which was of course denied by Nissan - as it was cobblers)   https://www.thisismoney.co.uk/money/markets/article-7962367/Nissans-Brexit-boost-Car-giant-secret-plan-close-EU-factories.html
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    • 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.
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      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!
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Campervan fault Marquis Motorhomes **They paid up under threat of legal action**

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When you purchase the motorhome – or any other item, you are entitled to have a good which is of satisfactory quality and remains that way for a reasonable period of time. This means that any def

Yes, Docherty is the one. Okay well let us know what happens and then we will see about your next step. It's about time somebody took Marquis on. Let's see what they found and what the bill is.

I fully intend to spread the word further once I've got the money. I'll recommend CAG too as you've been a great help in keeping it focused for me. I'll be making a donation too. Many thanks

Latest repy from Marquis from the Dinnington branch general manager


Dear Mr Desnos


Autocruise Alto WA12CYH


I am sorry that you have had cause for complaint. Please accept my sincere apologies for any inconvenience caused in this matter.


I have carefully considered your complaint and propose the below.


In full and final settlement of all issues concerning the above mentioned vehicle that have been brought to the attention of, and discussed with Eddie Ruddy, I hereby agree to refund the amount of £120:


The offer is made on the basis of no admission of liability and in full and final settlement of all issues that have been raised since purchase. I would also like to make it clear that this is a one off gesture of goodwill and any future travel or outside contractor work will not be covered by Marquis South Yorkshire.


If you have not already done so can you please supply your bank details to Eddie Ruddy who will arrange for the transfer to be made on Monday upon his return to the office.


I trust our response and offer fully resolves your complaint and we wish you many happy travels in your Autocruise Alto.


Your Sincerely


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Please remind me, does this still leave you out of pocket or does this take care of everything?

In terms of their remarks relating to future travel costs or outside contractor work, – you can ignore it. If they don't step up to the mark then you are still protected by your consumer rights. They are unable to contract out of them – especially because they say that the claimant is a gesture of goodwill

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This covers everything we'd asked for. Could you advise how we should word the email to accept payment. Many thanks

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I would simply provide them with your bank details. I don't see there is any need for any further comment. Let's hope that if you have any further problems that they remember that you will stand up to them.

Simply say "here are my bank details".

If you have any further problems with the van then you have got an idea of the approach – and of course make sure you come here

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By the way, once the money is in your account, I suggest that you spread the word around all the relevant forums and trust boiler et cetera so that people understand that they are able to stand up for themselves.

I expect that there are a lot of people who simply accept their fate – when there isn't any need to.

Of course you can suggest that people come here for help

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I fully intend to spread the word further once I've got the money. I'll recommend CAG too as you've been a great help in keeping it focused for me. I'll be making a donation too. Many thanks

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I'm pleased to say that we received the payment into my bank yesterday. Didn't take them long did it once they made their mind up.

I can't thank you enough for your help with this.I will be recommending CAG.


I thought you might be interested in reading the email I've attached. I got an email from Eddie Ruddy concerning the bank statement but I think he missed that he was forwarding his email to the accounts department. Made me smile.

Thanks again.






From: Eddie Ruddy
Sent: 05 October 2020 10:14
Subject: FW: Autocruise Alto WA12CYH


Morning Ang 

I need to get a payment request form sorted basically wanted to reject van massive battle. Was potentially going to go on and on court etc etc

 Anyway I am struggling to get a bank statement need to pay him £541.42, £421.42 we will get back from Truma

 Any thoughts







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Well done – and thanks for this email which you posted up for us.

It shows that they are a bunch of bullies – and by and large they take advantage of the fact that the issues are generally speaking worth far more than the small claims limit a bit of extra muscle to intimidate people.

Because your case was for issues much less than the small claims limit, it gave you the upper hand and it gave you the muscle that you needed.

I'm sure they are fully aware of their consumer rights obligations that they decide to try and face it out for as long as they can.

Yes, do let other people have got similar problems know that we can offer some help and that all our help is completely free – although a donation or two to help us with our expenses, never goes amiss!

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  • BankFodder changed the title to Campervan fault Marquis Motorhomes **They paid up under threat of legal action**

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