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    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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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.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      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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PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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I had £2,000 pound taken in PPI off a credit card from Halifax , never asked for it. One phone call and I got it back with interest and compensation by cheque. Just off to OH,s now which goes back to 2001

 

 

Well done:D

Edited by alanalana

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi All,

 

Wanted to share a quick success and say definitely worth continuing pursuing these types of claims.

After initially requesting SAR from Halifax credit card I received an offer for the charges which I've initially rejected and awaiting to hear back but today received a letter regarding my missold PPI saying that they have investigated and agreed I was missold and will return the card back to the status as though no PPI had been taken out, if they include interest charges on the balance it will mean a return of some £900!!!!!!

 

Has just made my year as money so tight at the moment!

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Hi All,

 

Wanted to share a quick success and say definitely worth continuing pursuing these types of claims.

After initially requesting SAR from Halifax credit card I received an offer for the charges which I've initially rejected and awaiting to hear back but today received a letter regarding my missold PPI saying that they have investigated and agreed I was missold and will return the card back to the status as though no PPI had been taken out, if they include interest charges on the balance it will mean a return of some £900!!!!!!

 

Has just made my year as money so tight at the moment!

 

 

Well done:)

 

Cracking result:D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Another success from Halifax!!! £1100 returned from a missold mortgage repayment protection plan. Thanks CAG - another donation on the way.

 

Well done again :D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Oh dear, oh dear how unfortunate for you, that you would have had to pay a large portion of your success to this specialist that helped you get back your ppi and interest within a magical 12 weeks:rolleyes: When you could have done it all by yourself and kept the lot.

 

This is a well established forum were many help others, for nothing but the satisfaction of helping to empower others to help themselves:)

 

I find it rather offensive that you are using it for free advertising:mad: and hoping to make a quick buck on the back of others who have already been stung.

 

Thankfully your post will be removed.

  • Haha 1

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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another spammer hhnf lol

all that dough gone to someone like FRKLNS they charged me before the mortgage and it cost 25% damm before this site ah well i dont think i got enough from the indemnity insurance so i am now attempting to forward a second claim

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Hi All,

 

Wanted to share a quick success and say definitely worth continuing pursuing these types of claims.

After initially requesting SAR from Halifax credit card I received an offer for the charges which I've initially rejected and awaiting to hear back but today received a letter regarding my missold PPI saying that they have investigated and agreed I was missold and will return the card back to the status as though no PPI had been taken out, if they include interest charges on the balance it will mean a return of some £900!!!!!!

 

Has just made my year as money so tight at the moment!

 

Cheque just turned up and it's just over £2k!!! :eek::D :D

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Cheque just turned up and it's just over £2k!!! :shock::D :D

 

Verrry Nice. Enjoy:D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Brilliant - At least Halifax have come out and admitted they're wrong and they could have just paid the amount that I claimed for but they've gone back to day 1, added interest and 8%. Restores some credit to them in my eyes but I'm sure everyone hasn't been as lucky with them.

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I need to go home to read the correspondance myself, but Wifey phoned to tell me Halifax had offered £200 for one claim and £800 for the other.

 

Just waiting to see if Pompey can calculate what the amounts should have been before I go back and accept / decline.

 

Kind Regards to everyone who has helped in the last 6 months. It has been stress free claiming. Just a letter for SAR, a few hours sifting through the paperwork and a couple follow up letters now the end is in sight.

 

Happy Days

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I need to go home to read the correspondance myself, but Wifey phoned to tell me Halifax had offered £200 for one claim and £800 for the other.

 

Just waiting to see if Pompey can calculate what the amounts should have been before I go back and accept / decline.

 

Kind Regards to everyone who has helped in the last 6 months. It has been stress free claiming. Just a letter for SAR, a few hours sifting through the paperwork and a couple follow up letters now the end is in sight.

 

Happy Days

 

When you have made a decision to accept and have the cash in hand post up your original thread and I will stick a **WON** on it.

 

It is all jolly good for morale:D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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alanalana,

 

I todays received a 2nd letter offering me a further £860 to the 1,020 offered on Thursday. The money will be paid into my partner's account within 28 days.

 

Thanks for all of your help to you, pompey and everyone else who took their own time to help out and offer advice / support.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/177311-jamieleeuk-ppi-halifax.html

 

Can I just add to anyone that's thinking of going ahead with the claims how easy this process was!

 

1. I wrote an SAR letter via a template I found on this website and waited for that to arrive.

2. Sifted through the agreements and got the relevant info and replied to their message saying I wanted my money back

3. Waited for their response and they offered me refund.

 

Kind Regards

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alanalana,

 

I todays received a 2nd letter offering me a further £860 to the 1,020 offered on Thursday. The money will be paid into my partner's account within 28 days.

 

Thanks for all of your help to you, pompey and everyone else who took their own time to help out and offer advice / support.

 

Jamieleeuk vs PPI Halifax **WON**

 

Can I just add to anyone that's thinking of going ahead with the claims how easy this process was!

 

1. I wrote an Subject Access Request letter via a template I found on this website and waited for that to arrive.

2. Sifted through the agreements and got the relevant info and replied to their message saying I wanted my money back

3. Waited for their response and they offered me refund.

 

Kind Regards

 

Well done again. I am pleased you got an acceptable result.:D

 

Enjoy having most of your money back.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello everyone.

I'd like to bring to everone's attention yet another PPI success. It was my mum vs Cahoot. She had a flexible loan account with PPI added. She initially applied On line and there was no human contact involved. She could not remember taking out the ppi but admits she may have overlooked a ticked box on the web page. She set up a direct debit and then just forgot about it and let it run.

 

Some years later I realised the PPi was worthless, due to her pre-existing medical condition, so we launched a claim.

 

My mum recently had a full payment of 2859.90 from Cahoot, which effectively settled the loan in full. We started the process last December, so the process has taken roughly 6 months.

 

I would recommend anyone thinking of claiming to do so, its well worth the effort. Patience is the key, as is sticking closely to the facts and taking each step one at a time.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/173461-cahoot-flexi-loan-ppi.html

 

A special thanks to Alanalana and Pompeyfaith for their tireless help.

 

Thanks again and good luck to those starting their claims.

 

KC :)

Cahoot PPi - REFUNDED IN FULL. :)

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http://www.consumeractiongroup.co.uk...-loan-ppi.html

 

Do you want this changed to read **WON**

 

aa

 

OOOPs already done ;)

Edited by alanalana

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi i am in the middle of a ppi claim with HSBC, can anyone tell me if i am successful can i request that its paid by cheque or is it normally paid into your account?

 

Thanks in advance

 

GG

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Hi, I won a PPI claim with HSBC earlier this year and they paid it directly into my account but from memory I think I did have the option of being paid by cheque; there was a form to complete with the letter conceding I had a case.

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Hi i am in the middle of a ppi claim with HSBC, can anyone tell me if i am successful can i request that its paid by cheque or is it normally paid into your account?

 

Thanks in advance

 

GG

 

I helped a friend claim her PPI from HSBC and she was successful. Once she had signed the acceptance form, the branch rang her to come in and sign a new loan agreement without PPI. Same terms and conditions and her payment was lower because of the removal of PPI. They then refunded the PPI payments already made into her bank account within 3 working days. The acceptance asked for her bank account details (any bank) but you should be able to request a cheque.

 

Good luck!

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Received my cheques today after a long, dragged out, 2 months of waiting (i'm defo not a patient person).

 

Only £300 back from my RBS CC i had YRS ago. But its money i never knew i'd get back. It took a few good letters for them to pay up however they have, to my utter delight.

 

For anyone whos dealing with rbs at the mo keep at them, they knocked me back first couple of times and i got there in the end.

 

If i'd of known it would of taken this long i would of gone for contractual interest and statutory interest on top. However i needed spending money for my holiday, (i got back a month ago) so i agreed to their settlement.

 

Good luck to all

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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