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    • I suppose that if you were paying £300 an hour to a solicitor instead of getting free advice here, you would provide all the information that was asked for pretty quickly in order to maximise your chances of success and also to reduce your costs. It's a shame that you didn't take such a cautious approach when handing your money out to a cowboy builder who is going to cause you a lot of problem try to get it back – if at all. When you give us the information that we need to work on then we may be able to help you – but it's up to you
    • I don't really now why you are so insistent on the quote being posted, and I don't think it is necessay at this stage.   I just wanted some insight into whether it is feasible to also issue proceedings against the wife as the money was paid into her bank account.   The address of the registered office is not their home address.
    • Sorry but this was your first mistake. "Sold as seen" makes a huge difference. It means that the person you are dealing with can't be trusted and it is immediately a huge red flag and a massive hint you should walk away. I think we are still waiting for you to tell us who the dealer is. I agree with my site team colleague @dx100uk that you will have to bring a court claim in respect of this. However the problem will be one of enforcement of the judgement. It is beyond doubt that you will win your case – but I'm afraid that enforcing judgements can be very tricky especially with disreputable car dealers and this certainly seems to be a disreputable car dealer in that they are trying to fob you off with "sold as seen" and also within 24 hours they are already refusing to acknowledge your consumer rights. You should realise that although you are protected by the consumer rights act – and of course, everyone is, but enforcing those rights can be a different matter. For future reference, when you go to see a vehicle, it's a big mistake to feel comfortable and smug because you feel that you are protected by consumer rights. You need to be looking at the business that you are dealing with to ask yourself that if they decide to betray your trust, will you then be able to force them to step up to the mark. This is the constant difficulty that we have on this forum when dealing with second-hand car dealers. When you tell us who is the dealer then we may be to give you more information.   If you do eventually get the dealer to promise to give you your money back, then you need to be very careful about how you manage it. It would probably be most unwise to put the dealer into possession of the car and the money at the same time. You will need to organise a proper exchange. Whatever the situation, you going to need to move quickly and very assertively. This probably means that you should issue a letter of claim almost immediately – but let us have a look at the enforcement problem first. What is the name of the dealer? Also, I notice that you say that you are going back on a motorway. Does this mean that you live some long distance away from them?  
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • Thanks for the company information. Still waiting for the quotation to be posted up. I'm not sure what the problem is or why there should be delay.   It's very concerning that this person has had the money paid directly into his wife's account. I wonder if the tax people know.  
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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
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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Hello Gizmo111,

 

You are truely forgiven. :D I realise how busy you are and appreciate the time you have given me and many others.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Reid vs Lloyds TSB.... Won..lol But cant discuss it at the Momment, But any queries PM me..lol

 

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.

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  • 2 weeks later...
Me v Lloyds TSB - Won :)

 

Well done, can you fill us in about it please:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 3 weeks later...

My loan with HSBC had £3,500 added to it upfront for PPI insurance. I complained about this albeit one year later that I believed I was mis-sold this insurance as I was never given the option to take it up or not and that I was not asked about any medical conditions. I was approached by the bank that they would cancel the PPI but I would have to take a new loan out at the rate of 11% (whereas the original loan was 4%). I complained about this and lo and behold I have just received a letter returning my premiums with interest and I can take out a new loan at the original rate. Success!!!!!!!!!!!!!!!!!!

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We took out a loan with northern rock in January and Im quite sure I didnt sign for ppi - but a coupleof months ago I noticed a payment going out for £17.88p for ppi. I wrote and asked to see a signed application for it as im sure I didnt request it, I received a letter full of apologies fromthe insurance company - cardiff pinacle - itself and they credited my account with over £70! - now how long would I have gone on paying without knowing I actually had not asked for it inthe first place?:o I have also been paying my house insurance - buildings and contents in with my mortgage for 17 years until I realised I was paying interest on top of it - no -one ever told me so i looked around and guess what? I now pay £19 a month instead of the £55 I was paying. - scandalous!!! imagin if I could claim all of that back!

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Hello, For all of you lovely people who wish to take on these financial institutes for the refund of mis-sold PPI.

 

Take heart I have been successful with 2 claims. I did not have the privilage of going to court, they settled after I threatened them.:lol:

 

1. M&S for a loan in 2001. Bit of a fight, but with determination and not taking no for an answer. Tripping them up at every opportunity with their own stupidity. I received £7,600 from them and they still denied it. I fought hard because I knew that I would never have agreed to Paying £4,600 for a ppi, if I had been given that option.

 

This is the thread if you are interested

subscribed.gifon a mission v ppi

 

 

2. Nastywest.for a loan in 2001. Still had a bit of a fight, but again they can up with over £7,111.84

 

This is this thread is you are interested.

 

subscribed.gifon a mission phase 2 -v- ppi

 

 

My advise is do your homework, when you get your S.A.R - (Subject Access Request), still question and question until you get the information you need and then go and get them:lol: It worked for me.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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wernt you you over the 6 years limitation?.Ive been told that because My credit card was taken out in march 2001 that its over 6 years and they dont keep records after 6 years.

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My advise is do your homework, when you get your S.A.R - (Subject Access Request), still question and question until you get the information you need and then go and get them:lol: It worked for me.

 

Good advise Sandra,

Sorry Ive been a bit quiet the past couple of weeks, I have not given up Honest..Just been busy with other things and Family matters.. Just needed a bit of time off to get my head together over some stuff. Im back now though..lol

 

Ian

x

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.

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  • 2 weeks later...

I am getting clued up on this.

 

Endeavour Personal Finance (HSBC). Just got statements on a settled account which I repaid early. Besides showing penalty interest for early repayment it shows £3640 PPI added straight on top of the loan of £14,000. Interest was variable on the total.

 

I was yes, in financial cash flow difficulty at the time. But, I was in full time employment and my employment contract meant I would be paid for 6 months on full pay if I was sick and 6 on half pay. I think I was mis sold as I don't believe (now admittedly) that I would have taken it out if I was not told it was a condition of the loan.

 

I am phoning Endeavour today. I will ask for a copy of the insurance policy and consumer credit agreement and see what happens. Will follow it up with full SAR.

 

Fell like I have been ripped off.

 

Will let you know how I get on. Advice more than welcome please.;-)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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24th Feb 07 Request for refund sent for miss sold PPI taken out in June 2001.

 

Amount requested £1,100 + 8% = £1473.20 ( don't know how I got that figure!!!!

 

 

12th March Letter before action

 

 

2nd April Issued Claim Form to local court for £3090 :o .

 

This figure was gained using the spreadsheets on here and after a couple of messages and advice from Hellhasnofury realising I could also claim the interest paid on the PPI (12.9%= £849.92) AND then add 8%= £942.65. Thanks Hell, owe you a beer:-D

 

 

Then heard nothing until a phonecall on 20th June to which I replied :-

 

 

Dear ,

Further to our telephone conversation this morning ( 20/06/07 ) regarding our claim for miss-sold PPI we write to clarify the following points.

As you are now aware we filled this claim on 24th February 2007 and wrote in the first instance to the Complaints Department in Andover, a copy of which is attached.

All subsequent correspondence has been filed through Tredegar Park, a copy of this is also attached for your perusal.

As we only received the standard letters asking for more time to look into this claim we carried on with the claim according to the deadlines set out in our letters.

 

We are not surprised that over 4 months later we have now received a telephone call from you stating you know nothing of this claim, despite a claim form being lodged at ******* County Court on 2nd April 2007, this claim is deemed to have been served 6th April 2007.

As I explained to you on the phone I had 3 other claims running against Lloyds at this time ( one has now been settled in full ) and it is not unusual to receive nothing or hear anything from your company until literally days before these cases are due in court, this pattern is also true for hundreds of other cases that are known to me.

As this claim has now been running for over 4 months and judgement has been passed in my favour we respectfully ask for the amount to be paid within 7 days. After talking with ****** at ******* County Court today I am now well within my rights to issue a warrant of execution to recover the money due to us, this course of action will of course incur further costs to yourselves and we feel we have no other option except to follow this route if this money is not received within the stated 7 days.

The money now due to us stands at £3090.90 plus interest at 0.65p per day from date of issue, this date as set down by the court was 6th April 2007. We calculate at today’s date this was 76 days ago and therefore request an additional £49.40.

 

I am writing to ask that you pay the amount of £3140.30 as ordered in the judgement within the next 7 days. I expect payment by cheque made payable to ********. If you fail to do this I will have no alternative but to apply for a warrant of execution to reclaim my money.

 

 

I would like to take this opportunity to say how disappointed I am that you have failed to make any effort to resolve this matter effectively. All communication from you has been limited to template letters that seem to be aimed at delaying the process rather than resolving the issues. I further believe your lack of response to my claim shares this negative aim.

 

It seems to me that the way in which Lloyds TSB are using the public court system to delay and discourage customers from reclaiming unlawful bank charges and miss sold PPI claims is immoral, and a complete waste of taxpayers’ money. Furthermore, I believe it to be a completely unnecessary abuse of an overstretched public resource.

 

I expect your response before 27th June 2007.

 

Yours Sincerely,

 

 

 

28th June SETTLED IN FULL :-D :-D ( Has anyone noticed I forgot to add in the court costs, oh well, they paid amount of the Judgement, a loss to me of about £50)

 

One thing I must say though, the girl I spoke to at Lloyds was very good and even phoned today to see if the cheque had arrived, so full credit to her. I hope one day soon that she finds employment in a decent company that deserves to have her.

 

 

So once again, thank you Hellhasnofury and everyone on this site.

 

Thats 5 claims settled in full, I love this site :-D :-D . And of course a donation is on its way once the cheque clears.

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I was told by cental capital, that i could not have the 8% loan i was offered, unless i took out insurance. I needed the money, so accepted, as the new rate would have been about 12%.

 

Last week i wrote to them, saying i was miss-sold the insurance.

 

Phone call next day, offering me the full amount back, and the interest i had paid - Total repayed £500.

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

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Looks like the are caving in easilly. Perhaps they know the Brown Sticky stuff regarding PPI is not being accepted these days by consumers..

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.

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Looks like the are caving in easilly. Perhaps they know the Brown Sticky stuff regarding PPI is not being accepted these days by consumers..

 

Let battle commence, there is a war on you know:lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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hi i`m new to all this but i could do with some advice i have 2 PPI`s 1 with on a loan and another on a Credit card both with lloyds i now find my self in financial difficulites and i am wanting to know if i can cnacel my PPI`S as it is not helping me in any way, any advice please :?:

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hi i`m new to all this but i could do with some advice i have 2 PPI`s 1 with on a loan and another on a Credit card both with lloyds i now find my self in financial difficulites and i am wanting to know if i can cnacel my PPI`S as it is not helping me in any way, any advice please :?:

 

 

Hello Honney.

 

Please read the sticky for refund of ppi and the following link re refund

 

Consumers to benefit from PPI refunds agreement

 

Please start you own thread on the ppi forum as your post will get lost on here and nowone will see your posts and will not be able to help:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 2 months later...
I've just posted to confirm details of my success with PPI on 2 Lloyds TSB Loans.

 

I'm not sure how to put a link from here, but if an admin can do it, or someone can tell me, that would be great!

 

Hello Crystaltipps,

 

Congradulations and well done, If you cannot cut and paste your link to this thread. Just tell us your wonderful story, with all the facts:-D please

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hey Guys,

 

Barclaycard today refunded all charges, PPI, Contractual at £27.9%, charges for time spent (10 hours at £9.35 per hour) during the claim and 9 letters sent at £6.95 per letter..Total £525.24 pays all the outstanding balance on the card and some covers my WF court cost:)))))

 

Over the moon:))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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MrShed v Halifax Card Services - WON

 

Full refund coming my way for all PPI payments since August 2003, and interest.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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