Jump to content


  • Tweets

  • Posts

    • I quite agree. I think all that needs to be said has been said. It is my view that the poster is very confused not only about the law and court procedures but about the circumstances explained in the original post. As you can see from the passages I highlighted it caused considerable confusion for the OP (and just about everybody else). My concern was that we had a worried OP about to go to court to deal with a very unfamiliar (to her) process being completely misled and confused. A principle part of her court visit was to be her SD and she was presented with a totally false impression of what might happen. I know that all forums such as this have differences of opinion. However, this matter was not a difference of opinion - it was a different portrayal of facts. One of them was utterly incorrect and no amount of persuasion could get them retracted. It's not good.
    • Post 24 on my earlier AA thread for this loan...  
    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
  • Our picks

gizmo111

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

Recommended Posts

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites

£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.

Share this post


Link to post
Share on other sites
£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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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 **

Share this post


Link to post
Share on other sites
Empire Strikes Back v Egg - WON

 

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

Share this post


Link to post
Share on other sites

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:)

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

 

 

 

 

[sIGPIC][/sIGPIC]

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

 

 

 

 

[sIGPIC][/sIGPIC]

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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. :-)

Share this post


Link to post
Share on other sites
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!:)

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...