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    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payplan - Cover My Life & Cover My Payments


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Hi,

I'm currently looking to reclaim my payments paid to Payplan for the cover my life and cover my payments. The F.O.S. are looking at the case now and have asked the questions below.

 

However, PayPlan sold you CML and CMP in October 2007. And time limits apply if you want to bring a complaint to our Service. 

Because the sale of the products you’ve complained about took place more than six years ago, I’m concerned that you may not have referred your complaint to us in time.

 

Because it’s been more than six years since the products you’ve complained about were sold, we can only consider your complaint in certain circumstances. To understand whether those apply here, I’d be grateful if you could help me with the following questions.

 

  • When did you first realise your plan had been mis-sold? You mentioned seeing some information online, do you remember when this was and why this meant you realised you didn’t need CML and CMP for your debt management plan to be accepted.
     
  • I understand that over the years PayPlan sent letters explaining the cover they’d sold may not have been suitable. Did you take any action in response to these letters? If you did can you explain what action you took. If you didn’t take any action, please explain why?

 

  • Finally, can you please tell me if there were any exceptional circumstances which prevented you from referring your complaint to us sooner.

 

How should I respond?

 

Thanks.

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1. just before you raised your claim to payplan having read a media article.

2. was unaware at the time the 'PPI' type payments were reclaimable or could be construed as mis-selling.

3. i was unaware the mis-selling of these products was questionable

 

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... 

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Hi DX,

 

Thank you for your reply, FOC have mentioned a time limit of bringing a claim. I have been paying the premiums for cover my life and cover my payments since Dec 2007 when I set up the DMP until Feb 2020. Can they refuse to look at the claim because it has taken this long for me to complain.

 

Thanks 

 

Ginger.

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NO 

 

as its life ins and missed payment insurance.

FWIW its Nothing to do with PPI nor the rules surrounding it.

 

statute of 6yrs should run from when YOU realise it was reclaimable , not from its date or end of payment terms

 

there are several PayPlan cover my life and cover my payments threads here and a warning a believe

i'll look later or use our search top right.

 

 

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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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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  • 3 weeks later...

Hi I have just received the below email reply from the FOS, any advise on how to reply. 

 

Kind Regards.

 

I’ve now looked at the information we have about this complaint. Although we deal with a wide range of complaints, there are times when we can’t help. Unfortunately, based on what I’ve seen so far, I dont think your complaint is one we can look into.  I’ve explained why below. 
 

The complaint

You’re unhappy because after getting in touch with PayPlan to set up a debt management plan, they advised you to take ‘Cover My Life’ (CML) and ‘Cover My Payments’ (CMP).

 

In the event of accident, sickness and unemployment, the CMP plan you were sold, would maintain your payments to your creditors in the event of a successful claim. 

 

In the unfortunate event of your death, the CML plan you were sold could pay up to £20,000 to your creditors.

 

 You believe the plans were mis-sold because:

  • PayPlan told you taking the plans would help your creditor agree to your debt management plan.
  • You had ample life insurance cover in place to cover your debt in the event of your death.
  • You were in a salary paid job so you would have received full pay in the event of sickness.
  • If you were made redundant, you’d have received redundancy pay because you had been with your employer for over two years.


You feel that PayPlan took advantage of the situation you were in and you felt pressured to take the two plans you were sold.

You’ve told me you took CMP and CML because PayPlan allowed you to believe the plans were needed for your debt management plan to be acceptable to your creditors.

Why we can’t help

I’m sorry to hear about the circumstances in which you’ve told us your plans were sold. However, to bring a complaint to our Service time limits apply.

Our rules set out in the Financial Conduct Authority (FCA) handbook, says our Service can’t look at a complaint if it was made more than:

  • six years after the event complained of; or (if later)
  • three years from the date you became aware (or ought reasonably to have become aware) that you had cause for complaint.


PayPlan sold you the two plans you’ve complained about in October 2007. However, you didn’t complain until February 2020. So, it’s been more than six years since the plans you’ve complained about were sold.

 

When this happens, we can only look at your complaint if we think you’ve complained three years from the date you became aware or should reasonably have known, the plans may have been mis-sold.

 

I’ve considered your testimony carefully. And I don’t doubt that you didn’t know there may have been an issue with the sale of the plans, until you read the media article you’ve told me about. However, the rules are quite clear that the three year time limit will also start from the point you reasonably should have known that you had cause for complaint.

 

I can see that PayPlan wrote to you about the two plans you were sold on 6 March 2015.
 

  • In the letter you were sent PayPlan advised that after conducting a review of the CMP & CML membership scheme, it discovered that over time the information it had been providing to its clients about the schemes ‘might not have always been clear.

 

  • As an existing member of the two schemes, the letters you were sent explained that “PayPlan wanted to confirm you were eligible for the product, it is suitable for you and that it is providing value”.

 

Under the headings “Who is unlikely to be suitable for the scheme?”  I can see it explains that:
 

  • CMP would not be suitable for “anyone who considers themselves at low risk of suffering an income shock”.

 

  • CMP & CML would not be suitable for “anyone who wants the benefits of the scheme but already had an alternative product which provided sufficient protection”.

 

The letters you received under the heading “What do I need to do now?” said that:
 

  • If you would like to continue with membership of the scheme then you do not need to take any action. We will recheck that the scheme is of value to you at each annual review and in the meantime your membership will continue without interruption.

 

  • If you would like to cancel your membership then you can do so by calling us on 0800 9127265 or 0207 0221289.

 

  •  If you are unhappy about any other aspects of the scheme, have any questions or think that the scheme wasn't suitable for you then please call our helpline on 0800 9127265 or 0207 0221289 to discuss this further.

 

Based on the content of the letters you were sent, I think PayPlan had taken steps to notify you that there might have been a problem with the information you were given when the two plans were sold.

 

You’ve said you had ample life cover in place and other provisions through your employer which meant you’d have been able to cover your debt.

 

When you received these letters, I think this information about your circumstances would have been known to you. So, when PayPlan explained that the plans may not be suitable if you “…already had an alternative product which provided sufficient protection”, I think their letters reasonably raise a level of awareness that the plans you were sold may not have been suitable.

 

I’ve thought about your comments that you were unaware that “the PPI type payments were reclaimable or could be construed as mis-selling”. I don’t doubt this.  And while there’s not an expectation for any customer to know or understand what’s construed as mis-selling, I think the letters provided enough information about in what circumstances the product wouldn’t be suitable, to have understood that the plans you were sold may not have been suitable for you.

 

I know the reason you carried on with the plans, is because you believed you needed CMP & CML in place for your creditors to accept your debt management plan.  However, I can see the letters advise you to get in touch if you’d like to cancel the plan. This suggests the plans can be cancelled and you didn’t need to continue with it.

 

I think the three-year time limit starts from March 2015, on the date PayPlan sent you the letters I’ve referred to above. I’ve said this because the letters explain in what circumstances the plans wouldn’t be suitable.

 

I’m also satisfied that when you received the letters, you’d have known about the other provisions you had in place that could have helped with your repayments.

 

In line with the rules, you’d have had until March 2018 to complain. Three years from the date you reasonably should have become aware that you had cause for complaint. You didn’t complain to PayPlan until February 2020. So, I don’t think you’ve raised your complaint in time.

 

In these circumstances the rules say we can consider a complaint that’s been made outside of the time limits, if there were exceptional circumstances which prevented you from bringing your complaint.

 

When I asked you about exceptional circumstances you said, “you were unaware the mis-selling of these products were questionable”. I understand this, but for the reasons I’ve explained above, (I think Pay Plan’s letter highlights the information members were given might not always have been clear and the plans may not have been suitable), I can’t say this prevented you from bringing your complaint sooner. 

 

I know this isn’t the answer you were hoping for, but for the reasons I’ve explained, I don’t think our Service can consider your complaint. 

 

Next steps

If you decide that you don't accept what I’ve said, then please let me know by 21 December 2020. If I can’t resolve things then an ombudsman here can look at everything again and make a decision. If I don’t hear from you by that date we might not be able to look at your complaint again.

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Hi I have just received the below email reply from the FOS, any advise on how to reply. 

 

Kind Regards.

 

I’ve now looked at the information we have about this complaint. Although we deal with a wide range of complaints, there are times when we can’t help. Unfortunately, based on what I’ve seen so far, I dont think your complaint is one we can look into.  I’ve explained why below. 
 

The complaint

You’re unhappy because after getting in touch with PayPlan to set up a debt management plan, they advised you to take ‘Cover My Life’ (CML) and ‘Cover My Payments’ (CMP).

 

In the event of accident, sickness and unemployment, the CMP plan you were sold, would maintain your payments to your creditors in the event of a successful claim. 

 

In the unfortunate event of your death, the CML plan you were sold could pay up to £20,000 to your creditors.

 

 You believe the plans were mis-sold because:

  • PayPlan told you taking the plans would help your creditor agree to your debt management plan.
  • You had ample life insurance cover in place to cover your debt in the event of your death.
  • You were in a salary paid job so you would have received full pay in the event of sickness.
  • If you were made redundant, you’d have received redundancy pay because you had been with your employer for over two years.


You feel that PayPlan took advantage of the situation you were in and you felt pressured to take the two plans you were sold.

You’ve told me you took CMP and CML because PayPlan allowed you to believe the plans were needed for your debt management plan to be acceptable to your creditors.

Why we can’t help

I’m sorry to hear about the circumstances in which you’ve told us your plans were sold. However, to bring a complaint to our Service time limits apply.

Our rules set out in the Financial Conduct Authority (FCA) handbook, says our Service can’t look at a complaint if it was made more than:

  • six years after the event complained of; or (if later)
  • three years from the date you became aware (or ought reasonably to have become aware) that you had cause for complaint.


PayPlan sold you the two plans you’ve complained about in October 2007. However, you didn’t complain until February 2020. So, it’s been more than six years since the plans you’ve complained about were sold.

 

When this happens, we can only look at your complaint if we think you’ve complained three years from the date you became aware or should reasonably have known, the plans may have been mis-sold.

 

I’ve considered your testimony carefully. And I don’t doubt that you didn’t know there may have been an issue with the sale of the plans, until you read the media article you’ve told me about. However, the rules are quite clear that the three year time limit will also start from the point you reasonably should have known that you had cause for complaint.

 

I can see that PayPlan wrote to you about the two plans you were sold on 6 March 2015.
 

  • In the letter you were sent PayPlan advised that after conducting a review of the CMP & CML membership scheme, it discovered that over time the information it had been providing to its clients about the schemes ‘might not have always been clear.

 

  • As an existing member of the two schemes, the letters you were sent explained that “PayPlan wanted to confirm you were eligible for the product, it is suitable for you and that it is providing value”.

 

Under the headings “Who is unlikely to be suitable for the scheme?”  I can see it explains that:
 

  • CMP would not be suitable for “anyone who considers themselves at low risk of suffering an income shock”.

 

  • CMP & CML would not be suitable for “anyone who wants the benefits of the scheme but already had an alternative product which provided sufficient protection”.

 

The letters you received under the heading “What do I need to do now?” said that:
 

  • If you would like to continue with membership of the scheme then you do not need to take any action. We will recheck that the scheme is of value to you at each annual review and in the meantime your membership will continue without interruption.

 

  • If you would like to cancel your membership then you can do so by calling us on 0800 9127265 or 0207 0221289.

 

  •  If you are unhappy about any other aspects of the scheme, have any questions or think that the scheme wasn't suitable for you then please call our helpline on 0800 9127265 or 0207 0221289 to discuss this further.

 

Based on the content of the letters you were sent, I think PayPlan had taken steps to notify you that there might have been a problem with the information you were given when the two plans were sold.

 

You’ve said you had ample life cover in place and other provisions through your employer which meant you’d have been able to cover your debt.

 

When you received these letters, I think this information about your circumstances would have been known to you. So, when PayPlan explained that the plans may not be suitable if you “…already had an alternative product which provided sufficient protection”, I think their letters reasonably raise a level of awareness that the plans you were sold may not have been suitable.

 

I’ve thought about your comments that you were unaware that “the PPI type payments were reclaimable or could be construed as mis-selling”. I don’t doubt this.  And while there’s not an expectation for any customer to know or understand what’s construed as mis-selling, I think the letters provided enough information about in what circumstances the product wouldn’t be suitable, to have understood that the plans you were sold may not have been suitable for you.

 

I know the reason you carried on with the plans, is because you believed you needed CMP & CML in place for your creditors to accept your debt management plan.  However, I can see the letters advise you to get in touch if you’d like to cancel the plan. This suggests the plans can be cancelled and you didn’t need to continue with it.

 

I think the three-year time limit starts from March 2015, on the date PayPlan sent you the letters I’ve referred to above. I’ve said this because the letters explain in what circumstances the plans wouldn’t be suitable.

 

I’m also satisfied that when you received the letters, you’d have known about the other provisions you had in place that could have helped with your repayments.

 

In line with the rules, you’d have had until March 2018 to complain. Three years from the date you reasonably should have become aware that you had cause for complaint. You didn’t complain to PayPlan until February 2020. So, I don’t think you’ve raised your complaint in time.

 

In these circumstances the rules say we can consider a complaint that’s been made outside of the time limits, if there were exceptional circumstances which prevented you from bringing your complaint.

 

When I asked you about exceptional circumstances you said, “you were unaware the mis-selling of these products were questionable”. I understand this, but for the reasons I’ve explained above, (I think Pay Plan’s letter highlights the information members were given might not always have been clear and the plans may not have been suitable), I can’t say this prevented you from bringing your complaint sooner. 

 

I know this isn’t the answer you were hoping for, but for the reasons I’ve explained, I don’t think our Service can consider your complaint. 

 

Next steps

If you decide that you don't accept what I’ve said, then please let me know by 21 December 2020. If I can’t resolve things then an ombudsman here can look at everything again and make a decision. If I don’t hear from you by that date we might not be able to look at your complaint again.

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threads merged

please don't start a new thread just because you didn't get a reply within 24hrs on your existing thread....

it might well be that forum volunteers are a bit busy at present..

 

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... 

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On 10/12/2020 at 17:58, Ginger08 said:

I can see that PayPlan wrote to you about the two plans you were sold on 6 March 2015.

 

did they?

 

 

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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i would guess they must have as the FOS has commented so.

they only have to prove they were sent.

 

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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Share on other sites

what concerns me more is the DMP and thus the CMP & CML membership were only recently concluded..

 

the FOS Adjudicator making the comment that 'PayPlan sold you the two plans you’ve complained about in October 2007' is somewhat mute

 

The policies were still live within the last 6yrs with regard to payments toward them , even within the last 3yrs , if fact.

 

To further comment that letters in 2015 from Payplan should have alerted you there was an issue, is again pretty mute as you were not aware then you could complain of mis-selling, there is no evidence i can find before 2017 anywhere that CMP & CML were even reclaimable.!!

 

you also need to carefully read:

PayPlan - Cover My Payments - Payment Protection Insurance (PPI) - Consumer Action Group

 

there is a diff between CMP & CML, and you need to point this out to the adjudicator too, they state they are both membership schemes, they are NOT.

 

i also believe the above further answers his exceptional circumstance question...there are none you don't need any as you are NOT out of time!

 

 

 

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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Share on other sites

it might also be worthy to start with a simple observation...

 

I do apologise but i must say going by your list of varying case studies upon your website i think you are wrong.

 

there are various examples there of let us say loans that have have recently completed, whereby resolutions have been found, they were not deemed out of time just because the policy was entered into at the start of the loan, some +10yrs earlier. 

 

 

get me drift..

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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  • 1 month later...

Hi Just had the below sent to me from FOS. with an option to reply by the 1st of Febuary. Is it worth going back to them??

 

 

Your complaint about  Totemic Limited  trading as PayPlan

 
I hope you’re well. It’s been some time since I last got in touch, so I wanted to let you know that your case is still waiting to be looked at by an ombudsman.

 

Because I don’t think we can look at your complaint, the ombudsman will look at the information we have again and decide whether you’ve referred your complaint to us in time.

Because I think the letter PayPlan sent you in 2015 should have reasonably made you aware that you had cause to complain, I thought it might be helpful to attach a copy of PayPlan’s letter for your records.

I know one of the things you’re unhappy about is that when the plans were sold, you were told taking CMP and CML, would help your creditors agree to your debt management plan. So, you thought you had to have the plans for your debt management plan to be accepted.


However, under the headings ‘What is Cover My Payments?’ and ‘What is Cover My Life?’, both products are described as:

‘an optional scheme that is designed by Payplan to run alongside your Debt Management Plan’.

I do think this would make you aware there was a problem with the information you were given when the plans were sold, but I know you don’t agree with me on this point.

However as I’ve not highlighted the point above to you before, I felt it was important I let you know all the information I’d relied on in coming to my view.

If you have any other points you’d like to make, please let me know by 1 February 2021. So, we can consider all the information you want us to before an ombudsman makes a decision.

However, if you have nothing else to add, then you don’t need to do anything.

We’ll be in touch to let you know once the ombudsman has made a decision.  

 

 

Kind Regards.

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Can we see what he sent please

And did you send the letter in December?

Need to see that too

 

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... 

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Share on other sites

Hi This is the email i sent in December.

 

 

Hi 

I do apologise but I must say going by your list of varying case studies upon your website i think you are wrong.

There are various examples there of let us say loans that have have recently completed, whereby resolutions have been found, they were not deemed out of time just because the policy was entered into at the start of the loan, some +10yrs earlier.

What concerned me more was the DMP and thus the CMP & CML membership were only recently concluded..

The comment you have made that PayPlan sold me the two plans I've complained about in October 2007 is somewhat mute as policies were still live within the last 6yrs with regard to payments toward them , even within the last 3yrs , if fact.

I would also like to mention. "letters in 2015 from Payplan should have alerted me there was an issue," is again pretty mute as I was not aware then I could complain of mis-selling, there is no evidence I can find before 2017 anywhere that CMP & CML were even reclaimable.!

I would also like to point out there is a diff between CMP & CML, they state they are both membership schemes, they are NOT.

I also believe the above further answers his exceptional circumstance question...there are none as I believe I don't need any as I am NOT out of time!

For the reasons above I don't agree with your decision and would like to have this looked at by an ombudsman as stated in your previous email.

Kind Regards.

 

I will post the attachment shortly. 

 

 

here 

cover letter ed3.pdf

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thank you

i'll read through this soon.

 

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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  • 1 month later...

bummer!

 

can't see any movement there then.

its nice to see though that he correctly clarified the differing reasons for the 6 and 3yrs limits.

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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Post hidden as FOS Complaint showed your name.

 

Redact, check through and repost if you want it back up.

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pdf redacted and re uploaded above

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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