Jump to content


  • Tweets

  • Posts

    • Thanks for that.  So in this case the 21 days doesn't apply because they did get permission from the judge?  Forgive me for not understanding all the legal speak in the link, but how many days does VCS now have to file their appeal?  I can see that they have to serve it to me within 7 days of filing, but am wondering when they have to file it with the court by.  Thanks.  
    • Hi,   only if it's gross misconduct. and for that, it would need to be listed in the conduct/ disciplinary policy as something which is GMC. Can you get a copy of that too?   The company are most likely worried they have a liability, because they have not trained people properly in the process to be followed... so keep pushing at that. When were you given the policy? How was it explained to you? If they cannot show they did that - how were you to know what to comply with? if you had known, you would have, of course!
    • That's my issue. I have no clue where we are and neither does my solicitor. It's like a black hole.   I had to get a solicitor as dealing with the probate office (or rather the outsourced call centre) is hell on earth and I was not in a mental state to be able to deal with the incompetence any longer. I simply couldn't take the 2 hour queues coupled with the idiots on the other end when you finally got through. One even answered with "S'up blud?" on one occasion. Another told me to send documents to the wrong address and then another berated me for doing so. It was time to pass the baton to someone used to dealing with them.   We're now 7 months down the line, which is considerably longer than the 8 weeks, or even the 3-4 months stated elsewhere.   There appears to be nobody that can be contacted. I even wrote to my MP who said that he can't get involved, although to start with simply said "get a solicitor".   There's a waiting period of something like 3 months for the ombudsman etc... so it seems that they can simply throw wills in the bin, ignore applications and just take the money and run...with impunity.
    • Its 21 days if the court didnt direct ..IE allow permission.   https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part52#52.3   (3) Subject to paragraph (4) and unless the appeal court orders otherwise, an appellant’s notice must be served on each respondent— (a) as soon as practicable; and (b) in any event not later than 7 days, after it is filed.
    • Yes lots of it. I will make a seperate post for all of that when get this sorted.  burlington have came back to me to say that as i have said I won’t be handing my vehicle back that they are closing their file and handing it back to CCP to pursue their other avenues of recovery activity and that I should let my insurers know that I do not have permission to drive the vehicle from its owners.  
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

lloyds tsb payment protection ppi help please


Please note that this topic has not had any new posts for the last 5017 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there, i am new to this site and have found the information really really useful, me and my wife are just in the process of sending S.A.R - (Subject Access Request)'s to:

capital one

yorkshire bank x 2

halifax

barclaycard.

 

I was wondering if anyone can help with this one though, i have a lloyds tsb credit card with a balance of some £15k +. Was sold ppi and understood that payments would be covered. Being self employed, i found myself out of business and made a claim on the ppi only to be rejected due to being self employed.

My question is, do i have grounds to make a claim for the full balance amount, i was out of work subsequently for over 12 months and the policy i was sold stated if period of unemployment is 12 months or over full balance will be cleared.

I know i'm going on a bit here, but surely if ive been mis-sold a policy in the first place, then shouldn't i have a claim on the full outstanding balance, not just the premium's charged, as this is what i believed and was sold as my policy.

 

Thanks for any help or assistance anyone can offer.

 

Mike

Link to post
Share on other sites

Were Lloyds aware that you were self employed when they made you take out the PPI ?

 

If so a def case of mis-selling and you have the right to reclaim the PPI premiums paid along with Contractual Interest.

 

If you need any Contact details etc re the PPI give me a shout..

 

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

Hello Ian, appreciate your reply thanks. They where made aware of my situation yes but as this was basically sold over the phone to me how do i prove i made them aware of it now. I have no proff or reference to the conversation or anything in writing that states i am self employed or otherwise?

Thanks for any advice.

Mike

Link to post
Share on other sites

HI Mike,

I would submit a SAR under the data protection act along with £10 to have them supply all information that they have on record regarding your loan, You should also request transcripts / Audio recordings of any telephone conversations that they have regarding your application etc. As you are aware they always warn that telephone calls may be recorded..

 

If they do not have or provide any of these telephone calls then I would say it is your word against theirs and you should fight them for full refund of PPI plus Interest.

 

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

Hello Ian, that's super help many thanks. One last thing though and really the most important part for me to be honest. If i have been mis-sold a policy, they have refused to pay out, and the terms of the policy clearly stated out of work for 12 months and entire balance settled in full. Do i not have a case for the full balance due which is some £15k or just the ppi payments. If you can advise me on that one as well i'd appreciate it.

Mike

Link to post
Share on other sites

Hi Mike,

You will really need to go through their Terms and Conditions with a fine toothed comb to see what it states regarding self employed. Some polisies will cover self employment but I have found that they will only ever pay out if the company goes bust.

 

The trend for these policies is to find any way possible not to pay out if you try and make a claim, which is ridiculous considerring the amount they charge you for these policies.

 

You may get enough evidence if you submit a SAR and they do provide any recorded telephone calls, though you may find that on that particular day of you arranging the loan etc , there may have been a problem with the recording equipment.. As I say they will try and riggle out of complaints.

 

Again too they will put the blaim on you for not fully reading and understanding the Terms and Conditions of the policy. And as you told them that you were self employed and they sold you a policy that does not cover self employed then they should be held liable for this.

 

Hope that Helps

 

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...