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    • How much of the documentation have you seen from when probate was obtained? And do you have a copy of the original will? I can't remember. My thought about you making the decision on your own to go with another lawyer is that three of you are meant to be beneficiaries of this will trust, aren't you? Normally you would need to act together. HB
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    • Ooops - one to many also s..... my draft reply should read as:  Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands, and if P2G wish to avoid the addition of court costs and interest to my claim, you may wish to respond positively before that date.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Who's to blame? Salesman or finance company??


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Hi,

Boughta car off carcraft 7/8 years ago, just found out that PPi insurance was added to the sale of the car without me knowing. Who should I put a claim in for?? Carcraft of the finance company?? I hate carcraft and this is another bad dealing with them..

 

Regards

Danler

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when did you fininsh paying?

i f it is more than 6yrs ago, i think it is outside the limitation act 1980?

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hello,

 

The sales assistant mis-sold you PPI, but the fin company was the one that were charging you for it...Sales assistant was a representative of the company that provided you the finance...

if you r thinking of claiming you PPi back...deal with the fin company

 

 

reagards,

 

 

itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

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

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

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

Vodafone overcharged Vodafon.. anything that could be done?

 

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

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Now this is a very Interesting Question, Who is to blame.. And it is something that I am spending a fair bit of time working on at the momment regarding my own claim.

 

I will post some info over the weekend regarding what is actually happening regarding this issue.

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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Hi all!

 

I would just like to add:

 

1.If you want to sue,you sue the finance company and not the car/doubleglazing or whatever goods company that you have bought the goods from.

 

2.A salesman is acting the capacity of the finance company.This is called Vicarious Liability in legal jargon.So if the salesman missold you a plan the finance company is liable.It is as simple as that.

 

3.In the case of danler(and most older loan agreements so it seems) you have the added bonus that a car salesman was not qualified to sell insurance products.

 

4.From my experience,you should be able to get a refund of the PPI premiums plus the compound interest dated back from the start of the agreement.

 

5.In order to do so start by getting all your statements under the Data Protection Act - there is a template letter on this site.When you get your statements back you will be in a better position to argue your case.

 

6.I have posted elsewhere on this site with the PPI section in detail on how you go about kicking a**! based on my personal experience which wiped out almost 50% of my debt balance.

 

I highly suggest you read through the posts.

 

I hope you find this information useful.

 

If you have any questions,just ask.

 

Keep us posted.

 

All the best!

 

Hi reidnet mate!If you need any help just ask mate!

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Hiya Nightmare4Banks, How is it going M8 ?,

 

I will PM you with some info either tonight or over the weekend regarding what is going on, Cant say too much at mo on open forum.. A Certain National Newspaper have Exclusive on my case at the momment..

 

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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Have sent you PM M8, its a bit of a long one..lol

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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