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    • https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/732360/N244_web_0818.pdf   N244 Draft Order Amended Particulars.pdf   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/688390/n1-eng.pdf
    • https://www.lemonfool.co.uk/financecalculators/apr-rate-converter.php   you MUST enter each charge on the date it was levied.   try the FOSCI sheet first ... .put their APR in cell D15 see what the gives.     also try the same set of 3 cols of your data in the statint sheet (use copy and paste)   see which gives a better result ..      
    • sorry if it's irrelevant and i'm just musing but....   wasn't par chance SCM or eversheds was it representing LLoyds in the claim and the CO etc was it?   i'm trying to reconnect with someone i've not heard from in almost 10yrs.. they almost had exactly the same scenario as you.   lloyds litigation dept were not fully aware of all that their sols had been upto and done a pleading letter was written directly to the head of the dept.   within 24hrs someone was on the phone and the whole lot! was cancelled inc the CCJ the CO and any outstanding balance which i believe was then something in the region of the £20k mark for an initial litigated debt of of £15k.   reason given was that the personal guarantee was somehow defective and the gentleman considered their sols actions as very vex and unfair..had they been fully aware it would not have ever gone that far. and yes it was a pers debt on a joint property too   as i say just trying to help.      
    • I have done an amended defence that would have been better served at the start- for anyones opinion and if i should ask that an order to amend my defence should be made instead of a summary judgement order ammended defence G47YJxxx redacted.pdf
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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MrShed v Halifax Card Services - WON

 

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

 

Congradulations and well done Mr Shed:D

  • 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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  • 2 weeks later...
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Hi All

 

Its been a long battle but have finally won. Cash is now in my account and well on the way to being spent

 

http://www.consumeractiongroup.co.uk/forum/ppi/46496-hhmmmm-very-interesting.html

 

 

well happy

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Hi All

 

Its been a long battle but have finally won. Cash is now in my account and well on the way to being spent

 

http://www.consumeractiongroup.co.uk/forum/ppi/46496-hhmmmm-very-interesting.html

 

 

well happy

 

skb

 

Hi everyone,

 

I am new to this type of claim and know I was missold. What is the best procedure and templates for starting off a claim.

 

Thanks to all

 

Determind

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Hi everyone,

 

I am new to this type of claim and know I was missold. What is the best procedure and templates for starting off a claim.

 

Thanks to all

 

Determind

 

Hi Detemind

 

If you start by having a read through this which contains guidance and templates on your first moves. If you then start a thread detailing which financial bandits your up against, how much the loan was for, interests rates etc then you get answers to any questions/problems that arise :roll:

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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  • 1 month later...

Hi guys. i wanted to know if anyone has dealing with HFC?

 

I had a loan with them for £7800 and ended up with a total of 11800 after the PPI. When I was made redundant I managed to get a job asap and moved on but fell into difficulty some months later. the bill is now paid and i need to know if i can reclaim the PPI I paid on that loan?

HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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Oh, i also have the original contract i signed with HFC at the time detailing all the information including the true cost of the loan + PPI. The debt is not quite paid off just yet (nearly there) but is being managed by a third party. I'm down to the last 1500 but i strongly believe that this is just the PPI that's left.

As i have all the details, do i need to send an SAR or do i just kindly asked for the money to be returned

HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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Oh, i also have the original contract i signed with HFC at the time detailing all the information including the true cost of the loan + PPI. The debt is not quite paid off just yet (nearly there) but is being managed by a third party. I'm down to the last 1500 but i strongly believe that this is just the PPI that's left.

As i have all the details, do i need to send an S.A.R - (Subject Access Request) or do i just kindly asked for the money to be returned

 

Hello Zzed,

 

Please start your own personal thread in the ppi forum, Your posts will not be seen as this is the successful claims thread.

 

 

Its up to you whether you send for the SAR or just work with the figures that you have. Is the ppi still running? If it has been cancelled they would have rebated the ppi and interest off the loan balance, wtherefore reducing the balance of the loan and affecting the amount that you reclaim back.

 

If you send the SAR, you may get more information regarding the breakdown of the ppi, applied interest and the rebates.

 

With watch out for your new thread

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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£7k PPI reclaimed on a Barclays loan.

 

Barclays initially refused a refund on the grounds that the claimant was employed as a 'home maker'. Of course this was utterly ridiculous and they repaid after the LBA.

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£7k PPI reclaimed on a Barclays loan.

 

Barclays initially refused a refund on the grounds that the claimant was employed as a 'home maker'. Of course this was utterly ridiculous and they repaid after the LBA.

 

Excellent news:D

 

A Home maker, did the claimant build houses, nearly choking on my tea, laughing at that comment barclays made. They were desperate weren't they.

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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I would reccomend anyone reading this thread to follow the link to the petition set up to raise awareness of the overpriced selling on PPi, with loan agreements.

 

Petition to: Prohibit loan companies from selling payment protection insurance with credit agreements.

 

spread the word, too many perople are being steered towards taking overproced ppi, in spite of the FSA's efforts to regulate the industry

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  • 2 weeks later...

Will now post in the correct forum. Have had success with HSBC claimed back £2300.00 in PPI, quite easily I have to say. Good luck to everyone else. Full story on my original post. Happy Happy.

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Heathermc v Lloyds ****WON****

I was claiming on behalf of my husband who has a loan with Lloyds. He was told he would not get the loan without taking the insurance even though he didn't need it. He has been paying it for a year now and the refund of £628 will be in his account by Wednesday. They didn't even put up a fight.

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  • 2 weeks later...

Sent standard letter to Egg for PPI insurance claim in Oct. The loan taken out Jan 05 £5000 over 48 months loan protection £959.80. The letter says We have attempted to retrieve the call when you were offered PPI , unfortunately the tape has been corrupted and we have been unable to listen to this. Therefore a business decision has been taken to refund the PPI with interest as a gesture of goodwill without admission of liability. Please find enclosed a cheque for £324.75 this being the remaining premium of £292.83 plus interest of £31.92. Sent 2nd letter saying i would accept the cheque as part settlement but unless they could prove to me that it wasnt missold i wanted a full refund plus interest, received a letter yesterday offering me the full amount of the policy plus interest.

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Hi,

 

I received a cheque yesterday off MBNA for full refund of all PPI payments plus interest on my Alliance and Leicester credit card.

 

I was only working 15 hours per week when I took out the card and still am so I sent first letter off in August and after a few months wait and a few phone calls they finally paid up.

 

Here is my thread:

 

Mbna/a&l Ppi ** Won **

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I involved the Financial Ombudsman after getting nowhere with the Coop Bank. I contacted them in October and received a confirmation of misselling last week. They said I had reached 65 ..and it should not have been sold to me. I am now awaiting a cheque for 2 years premiums plus interest.Result!!!!! I had provided medical evidence to the F.O. Iam now going to claim 2 earlier loans back on medical pre existing conditions.:D :D

Iwould like to thank everyone on the site for the encouragement and support, I can't believe I have been able to get so far and to win:)

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I involved the Financial Ombudsman after getting nowhere with the Coop Bank. I contacted them in October and received a confirmation of misselling of PPI last week. They said I had reached 65 ..and it should not have been sold to me. I am now awaiting a cheque for 2 years premiums plus interest.Result!!!!! I had also provided medical evidence to the F.O. which I shall refer to regarding the earlier PPIs. I intend to claim 2 earlier loans back on medical pre existing conditions.:D :D

Iwould like to thank everyone on the site for the encouragement and support, I can't believe I have been able to get so far and to win:)

Pinada golf lady x

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Welldone.gif?t=1197445044

 

 

It gives hope to the rest of us....

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Been claiming back from Blackhorse. 3 accounts, the first one I tried to cancel after 3 months and they said bogoff, I then sent the a copy of the cancellation request and their bogoff letter (which they kindly included in my SAR) and got a call yesterday saying they will refund everything from the date of my letter (Jan 2000) to settlement in 2004 at Contractual interest rate and then 8% from then on. I have now calculated the refund (and faxed my figures to them), it is for well over £5000 and worked it out using the CI through the loan and then CI through the loan I took with them to settle the first loan and then CI through the loan I took with them to settle the second loan and then CI through the loan I took with them to settle the third loan and then 8% for the remainder (all these CI added £800 to the total.

 

My advice is to do the SAR and check everything very carefully, then just keep at them.

 

I am off to raise the N1 for the other 2 accounts.

 

good Luck

 

I am still going ahead with the other 2 accounts as Mrs DM is self employed and they would never have paid out.

If I have helped click my scales....

 

Find my threads by clicking here

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Great result debt mountain.

Im really pleased for you, and so hopeful for myself and others.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Quick Update ..

 

Took on Abbey on behalf of a friend.. Settled in Full plus around £150 extra.. Gesture of Goodwill again..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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I love these happy endings, I would love to be a fly on the wall at some high level bank meetings where they are trying to get to grips with all these claims and they will also be trying to predict what is the next area the big bad consumer will find to get them with.

 

well done you and your friend, hope they buy you a nice bottle of Champers.

If I have helped click my scales....

 

Find my threads by clicking here

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Well NatWest have settled. After sending an LBA they paid out the full PPI amount and the intrest applied to the PPI but not the statutory 8%. I probably should have pursued it, but I just was happy with £7000 for the cost of a few stamps! Of course they didn't admit any wrongdoing and it was only a gesture of goodwill!!

 

Thanks to everybody who helped me out, especially hellhasnofury. :-)

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Well NatWest have settled. After sending an LBA they paid out the full PPI amount and the intrest applied to the PPI but not the statutory 8%. I probably should have pursued it, but I just was happy with £7000 for the cost of a few stamps! Of course they didn't admit any wrongdoing and it was only a gesture of goodwill!!

 

Thanks to everybody who helped me out, especially hellhasnofury. :-)

 

Hi, Congrats on your news ... excellent stuff!:)

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Hi, I have gone after Egg for PPI refund ... how easy was it or not for u?

 

RESULT ...!! :)

 

Egg have almost fully coughed up my PPI claim .... just a few quid shy of 1k ... have paid £889 ... but I will go after the rest, which includes 8% (of which the court will award) added on.

 

Bottom line (imho) do not let this go .... THESE FUNDS ARE YOURS!

 

Onwards & Upwards

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