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    • Hi there,    I have had a little read of the forums and I'd be grateful for any advice or recommendation on this matter as to be honest my head is in a total spin and I can't think clearly.   About 6 weeks back I got caught using my grandmother's freedom pass. I was massively struggling financially and desperate for a job. I was obsessed with getting a job to the point I thought of little else. I have autism and have been suffering with anxiety and depression also. To be transparent, I haven't had a 'clear head' in a while and lack a bit of an understanding of the bigger picture at times. When I used the pass, I genuinely thought it'd save me money getting to the interview (I had about £10 to my name and just was petrified about my life prospects) and put the pass back at my grandmother's and there would be minimal issues. I knew you could get prosecuted for not having the right ticket and knew I shouldn't have done it but I didn't actually understand what that entailed, if that makes sense?   I was caught on the way to interview and crumbled apart completely. As I was approached I panicked and attempted to produce a card I hadn't used. Safe to say the experienced inspector saw through that and once that happened I confessed to it not being my card and it being that of my grandmother's. I explained that I'd been made redundant in the summer and that I've always had a hard time finding jobs. I said I used the card because of my poor finances and that I just wanted to try and get the job and everything would get better after that.    He took my statement, cautioned me and I honestly don't remember the rest as I felt completely emotionally overwhelmed. Amazingly I did get the job and started the next day. Shaken up by what happened, I have consistently used my own oyster card since, eventually confessing my poor finances to my family who agreed to help me through the first pay day. Days later I received a letter from TfL which asked me to provide any mitigating reasons for them not to pursue prosecution. I accepted that what I had done was wrong, apologised profusely and promised to never do it again. I explained everything about my consistent struggle with employment, how I would lose my job if I was to be convicted, and that I only now understand the consequences of Freedom Pass misuse. I also described in detail my poor mental health and how it was worsening since the incident. I submitted this letter and received a response through email from one of the prosecutors who asked for further evidence of the mental health conditions and disability I was alluding to. This was towards the end of last month. I panicked and just didn't know how to reply, but I have since requested my medical records which I haven't got back yet. My anxiety and depression has gotten much worse, I was signed off sick from the new job i got, then subsequently let go from this job because of my sickness. I was prescribed medication not long after the initial incident and will be getting a higher dose soon. I am having constant panic attacks as I am terrified for my future life prospects. I struggle already finding and keeping a job because of my disability and coping with depression. I just feel a criminal conviction will be one barrier too many for me to find anything. My previous roles and work have all centred about some law and some finance which required Enhanced background checks. I emailed the prosector team member who emailed me all of this info and also explained that my anxiety over this incident had caused me to be off work sick and that I had subsequently lost my employment. I mentioned that I was remorseful and apologised again, and offered to pay a fine that TfL felt appropriate along with any other fees necessary in order to settle out of court. I said I have requested medical records and asked if there was a deadline to submit further evidence. I heard nothing back. Today I received a single justice procedure notice for entering 'a compulsory ticket area without having with him a valid ticket'. it's clear they intend to go on and prosecute me and i feel sick and cannot sleep even though I'm utterly sleep deprived.   The statement given by the RCI is in my opinion fair and accurate, I have no qualms there.  From what I can make out from the paperwork, it's the £4.90 that's in dispute (the cash value of the fare) which I've gotten from the RCI's statement and there's a mention of a fine (which would be reduced up to 33 % if I plead guilty) costs (mentioned as a 225 contribution) compensation (mentioned as £0.00) and victim surcharge with no value mentioned. I honestly feel my life is in ruins worrying about this and thinking about how bad things would be with a conviction. Sorry for the too much info but I feel like I'm very much at the edge at the moment. I know it may seem like my health getting so bad is an overreaction to the incident but I think that is the impact of my autism (I have a tendency to over worry and obsess) and my depression. I honestly can't think straight and the reason for my post is because I do need some direction in how to respond to this? I received a decent tax rebate at the end of october as well as full wages from my last job and would be in a position to pay. I just can't take the conviction hit.  Any ideas on my next steps, I still haven't sent further evidence as I'm still gathering it but should I start there? I have 21 days to enter a plea. I'm still awaiting my medical records but have a picture of my prescription, my 'fit note' which signed me off work, and have screenshots from my tfl account that show that I have been using my own oyster account since (Although now being out of work and most of the time find it hard to leave the house - these journeys are sporadic). I haven't consulted my doctor fully about why my health has gotten worse but I may talk to her in the hope that she may also write a letter if this would be helpful?   Apologies for the novel and again, any help, advice, and kind words would be appreciated. I recognise what I did was wrong but I am desperate to not pay for it for years and years to come.  
    • Send them an sar then threaten them with the ico if they dont remove it.
    • Please will you send the utilities company a subject access request. Do it tomorrow. Don't hang around. You will need this information to make any headway.   Secondary, you have posted quite an extensive story in a solid block of text and this is very difficult for people to follow. It discourages people who might otherwise be prepared to give you very useful support and advice. please would you avoid posting your stories or your responses in solid blocks of text. They need to be properly punctuated and spaced and generally speaking presented in a way that you would yourself like to have them presented to you if you were going to to help out on the thread.    
    • I think that he is trying to imitate Delboy Trotter.
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gizmo111

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

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Hi. Just wondered if you had any advice for me, Cardif Pinnacle have refused to pay hubbies claim as he is unable to work due to health problems, ( he is self employed ), it's been going on since feb 2007, inaitally paying 4 months premium then refusing, as his problem was stress related, nothing of the sort, all kinds of other excuses, the latest is recent test came back o.k, he has been refered to a pain clinic to help symptons thus enableing him to eventualy return to work, this was the consultants words ( cardiff pinnacle rquested this consultant to organise a scan etc) he is still under the doctor. This was my second apeal first one accepted in June 2007. I handed details and documented time line to the finance ombudsman October 2007 and a descision should have been made by cardif Pinnacle within 8 week, it wasn't, they requested more information from my GP and so on. Monthly updaes from the ombusmen saying they are still waiting for my case to be assigned to a case worker and apologise for the delay.

I wouldn't mind but G E money said this cover must be takn out for this secured loan. Whats the point if they wont pay when you need financial support. I work full time, but beginning to feel the strain with two teenage boys. Sorry this is so long but it seems never ending and it's not helping healthwise.I feel better hoping someone can help.

 

Thanks

Sunndee

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Hello sunnydee,

 

Hi. Just wondered if you had any advice for me, Cardif Pinnacle have refused to pay hubbies claim as he is unable to work due to health problems, ( he is self employed ), it's been going on since feb 2007, inaitally paying 4 months premium then refusing, as his problem was stress related, nothing of the sort, all kinds of other excuses, the latest is recent test came back o.k, he has been refered to a pain clinic to help symptons thus enableing him to eventualy return to work, this was the consultants words ( cardiff pinnacle rquested this consultant to organise a scan etc) he is still under the doctor. This was my second apeal first one accepted in June 2007. I handed details and documented time line to the finance ombudsman October 2007 and a descision should have been made by cardif Pinnacle within 8 week, it wasn't, they requested more information from my GP and so on. Monthly updaes from the ombusmen saying they are still waiting for my case to be assigned to a case worker and apologise for the delay.

I wouldn't mind but G E money said this cover must be takn out for this secured loan. Whats the point if they wont pay when you need financial support. I work full time, but beginning to feel the strain with two teenage boys. Sorry this is so long but it seems never ending and it's not helping healthwise.I feel better hoping someone can help.

 

Thanks

Sunndee

 

This thread on the forum is for successful PPI claims may I suggest you start your own personal thread which will allow you to post your concerns and get answers to your concerns without any mix up with other threads.

 

If you look at the top of the PPI forum you will see a button (NEW THREAD) click on that give it a name and your own user name and away you go. I am sure you will get the help you require.

 

regards

 

aa

user_online.gifreputation.gif report.gif


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!!

 

£160 from HFC for PPI added to a loan account I held with them taken out in 2003. Add s69 interest and court costs the total amount claimed was over £220. I did have to take them to court, however they settled in full before they submitted their defence.

 

NEXT!!!!! :D

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Good Afternnon, first time poster so a bit nervous!!!!

 

Please could somebody either reassure me or give me a reality check as I am living a nervous existence awaiting the out come of my PPI claims.

 

I have two that are currently in adjudication with the FOS, they were placed last week. One is against Barclays/First Plus and the other Capital One. On both caese I was sold a single premium without it being explained.I settled both large loans within six months of their start, I was charged £9,500 for the Barclays loan and £7,500 for the Capital One. Barclays have offered £5,000, but with interest as these loans were 3 and 5 years ago respectively I estimate that I should be able to claim in excess of £20,000 for the two together.

 

I was interested to hear from anyone withe the same experience and wondered how long, from the point that I am at at the minute do I have to obtain a result, as I have been made redundant and this money is so god damn needed you would not believe!!!!!!!

 

Thank you in advance.

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Good Afternnon, first time poster so a bit nervous!!!!

 

Please could somebody either reassure me or give me a reality check as I am living a nervous existence awaiting the out come of my PPI claims.

 

I have two that are currently in adjudication with the FOS, they were placed last week. One is against Barclays/First Plus and the other Capital One. On both caese I was sold a single premium without it being explained.I settled both large loans within six months of their start, I was charged £9,500 for the Barclays loan and £7,500 for the Capital One. Barclays have offered £5,000, but with interest as these loans were 3 and 5 years ago respectively I estimate that I should be able to claim in excess of £20,000 for the two together.

 

I was interested to hear from anyone withe the same experience and wondered how long, from the point that I am at at the minute do I have to obtain a result, as I have been made redundant and this money is so god damn needed you would not believe!!!!!!!

 

Thank you in advance.

 

Hi, don't be nervous, we are all in this boat together. This is a brill forum and needless to say it has helped me loads and no doubt the same for you too. Ask the forum and they will answer, you'll see .... GOOD LUCK!

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After a complaint to the FOS we have received a letter stating that HBOS are not excepting liability but as a 'gesture of goodwill' are willing to refund all ppi payments plus interest plus 8% statutory interest. Not sure how much this will be but looking at about 4k. :)

 

As there is still an outstanding balance on the credit card, does anyone know whether they will pay the money to card or will we receive a cheque? Can we insist on a cheque as we have other outstanding debts?

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After a complaint to the FOS we have received a letter stating that HBOS are not excepting liability but as a 'gesture of goodwill' are willing to refund all ppi payments plus interest plus 8% statutory interest. Not sure how much this will be but looking at about 4k. :)

 

As there is still an outstanding balance on the credit card, does anyone know whether they will pay the money to card or will we receive a cheque? Can we insist on a cheque as we have other outstanding debts?

 

Hi, good to read your story ... I am about to start one against a bank ... can you let me know what template you used please? Thanks

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Hello twinsmum,

 

congratulations on your success:D .

 

I would not wait too long. I would tend to write to them (as the FOS ruling was in your favour) and give them a date telling them if they do not comply by that date in light of the FOS decision you will raise another complaint to as many financial institutions as you can Information Commissioners Office, FSA, FOS (again) OFT and anyone elso who may be able to give them a black mark!

 

The more complaints against these people the sooner they will face a possible fine and or lose the licence to trade.

 

I am no legal expert so double check before you proceed. If these greedy people cannot follow the law of the land then they deserve whatever comes their way.

 

Well done again

 

aa

 

I have been 'fobbed off' by Barclaycard on 2 ppi claims I have made. They issued a 'final response' (sod off letter). What should i do next?

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After a complaint to the FOS we have received a letter stating that HBOS are not excepting liability but as a 'gesture of goodwill' are willing to refund all ppi payments plus interest plus 8% statutory interest. Not sure how much this will be but looking at about 4k. :)

 

As there is still an outstanding balance on the credit card, does anyone know whether they will pay the money to card or will we receive a cheque? Can we insist on a cheque as we have other outstanding debts?

 

I don't think you can insist on it, and it is likely that they will use it to pay off your card first.

 

However, Both Natwest and Lloyds paid me direct for my claims, as they were happy to keep me in debt to them.


[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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I don't think you can insist on it, and it is likely that they will use it to pay off your card first.

 

However, Both NatWest and Lloyds paid me direct for my claims, as they were happy to keep me in debt to them.

 

 

Its your Money -- You decide how you want it paid back.. and stick to it.. Don't be fobbed off by them..

 

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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Hate to be pedantic, but isn't this a 'Successes' thread? Can we take questions about new claims into another thread, please? :)

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FOS Upheld my complaint and i was awarded back the full PPI on both loans plus interest minus the money that had been paid out in claims.

 

Letter from FOS saying someone would be assigned my case 1 week later i had letter from my bank offering me the money

 

 

Many thanks guys and this would not have been possibel without everyones help

 

Money donated to keep it going !!!!


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/Mistakes lol...

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Hi all

 

Just a note to say that before I joined this site (yesterday) I was successful in claiming the following:

 

2 x Abbey Loans £1600 / £3600 successful

1 x Paragon Finance 3,500 approx successful

1 x MNBA £1583 successfu

Barclay Card still awaiting response

 

I have templates that I used I am happy to post them onto the site should anyone require them

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Hi all

 

Just a note to say that before I joined this site (yesterday) I was successful in claiming the following:

 

2 x Abbey Loans £1600 / £3600 successful

1 x Paragon Finance 3,500 approx successful

1 x MNBA £1583 successfu

Barclay Card still awaiting response

 

I have templates that I used I am happy to post them onto the site should anyone require them

 

Hello, yes please ... i would very much like to see the template format you used & also how long it took you from start to end. Regards

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Dear Sir or Madam,

Re: Account Number

I purchased the above policy(s) from you in around year 2000 and topped the loan again but repaid the loan in 2005 but now believe that I was mis-sold this policy for the following:

This is due to the fact that I was not given the correct information when the policy was sold to me, as

· your salesperson did not tell me that the policy was optional and I have since realised that I could have taken alternative insurance cover.

· your salesperson did not give me full information on what the policy would and would not cover I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

Yours faithfully,

Hi Papadak

 

This is the letter that I used I have the website that you go on to adapt the letter to suit needs but not sure if you can post them on this site but this is my letter that I have used on all of my claims.

 

Good luck should you need the second letter let me know and I will send that one to you also

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This is the PPI Successes forum team, can you please start your own threads in the PPI section, where you will get more help.

 

Thank you . .


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Dear Sir or Madam,

 

Re: Account Number

 

I purchased the above policy(s) from you in around year 2000 and topped the loan again but repaid the loan in 2005 but now believe that I was mis-sold this policy for the following:

 

This is due to the fact that I was not given the correct information when the policy was sold to me, as

· your salesperson did not tell me that the policy was optional and I have since realised that I could have taken alternative insurance cover.

· your salesperson did not give me full information on what the policy would and would not cover I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

 

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

 

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

 

Yours faithfully,

 

Hi Papadak

 

This is the letter that I used I have the website that you go on to adapt the letter to suit needs but not sure if you can post them on this site but this is my letter that I have used on all of my claims.

 

Good luck should you need the second letter let me know and I will send that one to you also

 

Hi yes please, whatever template you have for me to see. I've noticed that sommeone says we should start out our thread ... so if you want to that's fine ... thanks

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Well my battle with Beneficial Finance is over - and I won.

 

The loan has now been settled and as of about 6.30pm I am C. £2.5k better off as well.

 

As a result of all this I am £160 better off each month.

 

Ok, so it took just over a year from start to finish and Beneficial Finance swore blind that PPI was not mis sold but at the end of the day what the FOS says goes :)

 

A wee donation will be made in due course

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Hello SAB,

Well my battle with Beneficial Finance is over - and I won.

 

The loan has now been settled and as of about 6.30pm I am C. £2.5k better off as well.

 

As a result of all this I am £160 better off each month.

 

Ok, so it took just over a year from start to finish and Beneficial Finance swore blind that PPI was not mis sold but at the end of the day what the FOS says goes :-)

Well done you:D

They do not make life very easy. Media state massive mis-selling £1.4Billion in mis-sold PPI and all the sellers put their hands up and say not me guv we would never do anything like that. Just try and hang on to the money which is making them lots of dosh every day.

 

regards

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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This is the PPI Successes forum team, can you please start your own threads in the PPI section, where you will get more help.

 

Thank you . .

 

Yes please

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Hello SAB,

 

 

 

Well done you:D

 

They do not make life very easy. Media state massive mis-selling £1.4Billion in mis-sold PPI and all the sellers put their hands up and say not me guv we would never do anything like that. Just try and hang on to the money which is making them lots of dosh every day.

 

regards

aa

 

:-D:-D:-D:-D

 

Well done SAB - enjoy your well earned money!


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

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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I just won my PPI Claim against HSBC. £1,166 is on its way back to me. I sent my first letter 6 weeks ago, had a contact letter at 4 weeks saying investigating and my offer letter came through yesterday

 

WOO


HSBC charges WON (april 07): £1,103.00

HSBC PPI WON!!! (July 2008): £1,166.00

HFC PPI WON!!! (August 2008) £2,100:D

March 09: failed the fight to write off HSBC Managed Loan due to non compliance of SAR! after they finally produced my signed loan!

August 10: Fighting TBI for disputed account due to the fact they can't produce my signed loan copy.

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Well done bb23 :D


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

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Well done BB23 HSBC was one of the more easier financial institutions that have refunded PPI to me!!!

 

They are ok for something I guess!!!

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