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    • to frighten and intimidate you most probably. don't engage.   have you done your WS yet? needs doing in the next 7days    
    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
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NatWest PPI meeting tomorrow!*won*


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Hi, this is my first post so please be gentle with me! I've read all the advice regarding PPI claims & S.A.R - (Subject Access Request) requests (have done so - still waiting for more information).

 

When I called to cancel the (mis-sold) NatWest PPI insurance I was told it had to be 'done via the Branch'.

 

Hence, tomorrow we have a face-to-face meeting at our 'holding' branch. I have prepared all the facts, set down in a 7 page document (with appendicies) to memorialise the claims we make:-

 

Mis-sold PPI in September 2003

Mis-sold PPI in August 2004

Unaccounted funds in August 2004

 

Total claims are over ten thousand pounds.

 

We have been so incensed (edited)

 

.....We had an unsolicited telephone call from NatWest Bank. We went in to 'chat' and left over two thousand pounds poorer! Our loan had been 'restructured' with 'no admin charge'. No mention was made of the fact that that NatWest had 'repaid' it's own NatWest Loan and re-created it's own loan!

 

Little did we know that 'restructure' meant ...............BRAND NEW LOAN.

 

My question is:- what action should we take after tomorrow? How long should we allow the NatWest to make a decision about our claims?

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Hi,

First thing to be wary of is a face to face discussion with them regarding your complants, Personally I would not discuss any compliants with them unless you have the option to record any discussions.

 

One thing I would also consider doing, If at the meeting they do agree to anything I would ask them to put it in writing and give you say 7 days to consider their offer etc. Do not let them pressure you into makeing any on the spot decissions (unless it is for full settlement of your complaint), you know how slimey and underhanded these lot can be, well they have caught you before now havn't they.

 

Just be careful and stick to your guns, Personally I prefer to handle any complaints in writing, at least this way they cannot deny or change what they state to you in writing, In face to face meeting it could come down to their word against yours which would be far harder to use as evidence should your complaint have to go to the FOS or Court.

 

Good Luck

 

Ian

  • Haha 1

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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Thanks for your advice Ian (reidnet), it is much appreciated. We had the meeting with the NatWest and adjusted our 'action plan' accordingly.

 

In my initial (angry - ooops, sorry!) post I omitted to mention that the crux of one of the claims for mis-selling of NWPPI, was because at a meeting with NatWest Bank in August 2004, to 'chat about our finances' (arranged following an unsolicited telephone call from them), our original NatWest loan was cancelled without discussion, knowledge or permission and a brand new loan set up.

 

At that meeting, we were ONLY told that they could 'restructure' the original loan, that there would be 'no admin fee' and they could 'reduce the APR by 1%'. NO mention was made of the fact that it was a brand new loan (this has just been discovered following a financial review)! At the time, we were lead to believe (whether by intent or omission) that 'restructure' meant it was an internal admin function to save a few quid a month for a customer of over 25 years standing! NWPPI was applied to the new loan and it had begun (again) at 84 months duration (there was 74 months remaining on the original loan).

 

We were not told that in fact it was a new loan, we were not told that NWPPI was added. The NWPPI was not discussed whatsoever. It was not suitable anyway (was on a Temporary Contract at that time, so was useless in that respect). No NWPPI documents were shown or given at the meeting and no NWPPI documents were subsequently received in the post! Hence this mis-selling claim.

 

At the recent meeting we were met by a CSA to 'review your finances ' !!! .... I told him that actually, we wanted to outline 2 X claims of mis-sold NWPPI's & 1 X claim of 'unaccounted for' loan repayments, give them a copy of the detailed document we had prepared (to memorialise the claims) and leave them to decide what action to take. The CSA then fetched the Bank Manager to join us in the meeting. After again outlining our claims, we were told they would deal with it accordingly and write to us in 10 working days. We await a written reply.

 

At the end of the meeting we also handed them a letter to cancel the NWPPI with immediate effect.

 

Yesterday we received a letter to confirm the NWPPI had been cancelled. Whilst not pro-rata, a credit has been applied to the loan account which equates to a saving of fifty pounds per month for the remaining 4 years of the new loan.

 

By presenting our claims in person, and to the actual branch which processed both loans, we are giving them the opportunity to resolve them before we escallate via the 'official route'

 

We'll see what happens.

 

I'll update again when I hear from the NatWest.

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  • 2 weeks later...

UPDATE:-

 

11/7/07 - As promised by the NatWest, we received a letter (9 days after our meeting with them) which confirmed that the PPI had been cancelled, that our complaint was being processed and that they would keep us informed of the progress.

 

18/7/07 - As promised by the Natwest, we received another letter to update us of the progress of our complaint. Interestingly it also stated .... 'I am not yet in a position to provide a refund for you but the amout due is being confirmed by our Head Office'.

 

So far, we are very pleased that the NatWest have appeared to treat our complaint seriously and have communicated in writing as promised. We await further contact within 2 weeks (as stated in the recent letter).

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UPDATE:-

 

11/7/07 - As promised by the NatWest, we received a letter (9 days after our meeting with them) which confirmed that the PPI had been cancelled, that our complaint was being processed and that they would keep us informed of the progress.

 

18/7/07 - As promised by the Natwest, we received another letter to update us of the progress of our complaint. Interestingly it also stated .... 'I am not yet in a position to provide a refund for you but the amout due is being confirmed by our Head Office'.

 

So far, we are very pleased that the NatWest have appeared to treat our complaint seriously and have communicated in writing as promised. We await further contact within 2 weeks (as stated in the recent letter).

 

Hello,

 

Just subscribing to your thread, I am extremely interested in what the Nw are going to tell you:eek:

Did they make you sign for the new loan:-? and do you have copies of the credit agreement for the loans that you have had.

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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Hi Hellhasnofury,

 

Yes, although we can't be absolutely sure, at the moment we are assuming the 'restructured' (NEW) loan in 2004 was signed for.

 

When the PPI was cancelled recently we did not have to take out a new loan without it.

 

We do have copies of both loan agreements (but both copies are unsigned and undated).

 

We too are very interested in what the NatWest are going to tell us.

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Hi Hellhasnofury,

 

Yes, although we can't be absolutely sure, at the moment we are assuming the 'restructured' (NEW) loan in 2004 was signed for.

 

When the PPI was cancelled recently we did not have to take out a new loan without it.

 

We do have copies of both loan agreements (but both copies are unsigned and undated).

 

We too are very interested in what the NatWest are going to tell us.

 

Hello,

 

Are they the customer copies that you have, what does it say about the ppi?????? Do you have a copy of the ca you signed on the day.

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...

UPDATE:

 

20/7/07 - 4,680 pounds was credited to our NatWest Current Account.

 

20/7/07 - 1,954 pounds was credited to our NatWest Loan Account.

 

1/8/07 - Letter received from our holding Branch of the NatWest Bank confirming that (including the credit of 2,379 pounds to our Loan Account when we cancelled the PPI on 2/7/07) a total of 9,013 pounds had been credited (4,680 pounds to our Current Account & 4,333 pounds to our Loan Account).

 

Our original claim was for 10,522 pounds so the total refunded equates to almost 86% of that claim. To say that we are thrilled with this outcome is an understatement!

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Wow . .congratulations.. well done.

 

That was quite a quick settlement as well (2nd July)

 

 

Please fill out the survey and a donation to keep this site active.

 

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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

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Congratulations. :D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Fantastic news!! Well done. Just shows what can be achieved!!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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Thanks all!

 

Our strategy came about because we were told by the (PPI) Insurance Company that we could only cancel at our Branch of the NatWest Bank. We felt that this would be an opportune time to address the PPI mis-selling claim (which we had already prepared). We believed they would be keen to deal with our complaint at 'Branch level' and also thought it would be more beneficial to us than posting our complaint to some anonymous department to deal with. We had nothing to lose by giving it a try. Whilst the idea of raising our mis-selling claim at the Branch, face-to-face was a bit daunting, we knew we had a sound case and were well prepared.

 

As, they say, the rest is history ... the NatWest Bank did not admit any mistake on their part but they automatically credited us with 9,014 pounds (almost 86% of our claim) and without any questions asked. For various reasons, we have decided to accept 14% less than We claimed. We are very happy with this outcome.

 

Below is the main part of our claim document (with personal information removed). Should anyone wish to try our approach by going direct to their Branch then Bank Name, Dates, Names, Appendicies, Monetary Amounts a bit of jiggling will be needed to suit personal circumstances. I hope it conveys the gist and tone of our claim.

 

Please note though, that I am not financially qualified to give advice, I am only passing on the information that worked in our case. I cannot guarantee it will work for you. You may wish to research the CAG site and ask questions of the more knowledgeable.

 

What we did: - We made an appointment to speak to someone at the branch to 'discuss our account'. We took 3 copies of the document along. We asked for names (for the record), we told them that we were not there to negotiate, only to outline our claims (which we did), leave the document with them, ask that all correspondence would be to us in writing and agreed on a timescale for them to get back to us. We made it clear that we were there to allow them to resolve at 'Branch level' and would escallate through 'appropriate channels' if necessary. I mentioned that we were also prepared to go to Court to resolve if required (we would have). OH! and then we handed them the letter to cancel the PPI with 'immediate effect'.

 

It may be worth mentioning that I presented myself as the 'claimants representative' because the loan/PPI was in my partners sole name. I did all the talking (as a representative would do). If the Bank assumed I was there in a 'professional' capacity, that was not to our detriment. I was only asked if I was a Lawyer or Solicitor and told them I was not (I'm not).

 

Here goes ......... any questions, please PM me. And GOOD LUCK! if you wish to try addressing any mis-selling at your Branch.

 

(FRONT PAGE)

This document memorialises the claim made by Mr Anybody against Whichever Bank, during the pre-arranged meeting at the Whichever Bank in the Whatever Branch, Town, at Time on the Date.

 

Present at this meeting

 

Mr Anybody (Claimant)

 

Ms Anybody (Claimants Representative)

 

(Whichever Bank Representative) - Fill in blank when meeting takes place.

 

 

CLAIMANT

 

Mr Anybody

Address

Anytown

Postcode

 

 

 

 

Mr Anybody has been a customer of the Whichever Bank for over X years, the Accounts referred to in this meeting are as follows:

 

 

Current Account number XXXXXXXX sort code 00-00-00

 

Original Loan (Date) reference XXXXXXXXX

 

'Restructured' Loan (Date) reference XXXXXXX

 

(PAGE 1)

 

CLAIM 1

 

In Date, Mr Anyone arranged a meeting at his holding branch of the Whichever Bank in Whatever Branch, Town. At that meeting he requested a loan for Amount to clear and consolidate his Whatever Bank overdraft, other Credit Card debts and other financial obligations.

 

The loan was approved and credited to Mr Anyones Current Account on Date (see appendix 1). The APR was ?% at a total cost of XXX over XX months. The repayments were fixed at XXX per month and the first repayment commenced on the Date via Direct Debit from Mr Anyones Whichever Bank Current Account (see appendix 2). XXX (including interest) was charged for Whatever Banks own Payment Protection Insurance - this sum represented almost ?% of the total cost of the loan (see appendix 3).

 

Mr Anyone claims that during that meeting he was mis-sold the Whatever Banks Payment Protection Insurance based on the following facts:-

 

1) It was implied that if PPI was not added to the loan, the loan may not be approved.

 

2) Mr Anyone was in fact in Temporary Employment. PPI does not cover Temporary Employees in cases of unemployment therefore the PPI was worthless to him in this respect.

 

3) Mr Anyone was not told that he was entitled to arrange Payment Protection Insurance with another provider if he so wished.

 

Based on the above facts, Mr Anyone is therefore claiming a refund of XXX for the mis-sold PPI. This amount represents the total contributions he paid via Direct Debit over X months from Date to Date. In Date Whichever Bank cancelled the policy when it 'restructured' the loan. No claims were made on this policy.

 

(PAGE 2)

 

INTRODUCTION TO CLAIM 2

 

In Date Mr Anyone received an unsolicited telephone call, at home, from a Whatever Bank Representative. He was asked if he would like to 'discuss his finances' with them (or words to that effect). Mr Anyone agreed, and an appointment was arranged immediately.

 

The appointment took place at his holding branch of the Whatever Bank in Address, Town in Date. Mr Anyone met with Whatever Bank Representative (insert name if known), a Customer Services Advisor for Whatever Bank. Mr Anyone had no reason to suspect or question the integrity of the advice given by Whatever Bank Representative (insert name if known) during what was a friendly and informal meeting.

 

Mr Anyone was told by Whatever Bank Representative (insert name if known) that the APR on his current (Whatever Bank) loan could be reduced by ?% from ?% to ?% by 'restructuring' it. This would reduce his current fixed monthly repayment of XXX to a fixed XXX saving him XXX per month for the duration of the loan. He was told that there would be 'no admin fee' to 'restructure' his current Whatever Bank loan.

 

Mr Anyone was confident that as Whatever Bank Representative (insert name if known) also had access to all his computerised financial records with Whatever Bank, she/he would be honest and open in his/her dealings with him/her and would not suggest an option that would be detrimental to his/her current financial position.

 

Whatever Bank Representative (insert name if known) never mentioned, stated or implied that the 'restructured' loan was to be a brand new loan. As the 'restructured' loan agreement (see Appendix 4) clearly shows only a couple of pounds (insert exact amount) as the 'Amount of Credit' (for rounding-up purposes), Mr Anyone firmly believed that the 'restructure' was purely an internal Whatever Bank administrative function - that was to 'move' his current Whatever Bank loan accross to a revised (lower APR) Whatever Bank loan.

 

It is pertinent to reiterate that this meeting came about as a result of an unsolicited telephone from Whatever Bank. Mr Anyone had not met with Whatever Bank Representative (insert name if known) with the intention of asking for a new loan. Mr Anyone had not made prior enquiries about a new loan. Indeed, even during this meeting, he did not request any additional borrowing at all. He was at this meeting because as he had been a customer of the Whatever Bank for almost XX years, he anticipated honest and beneficial advice regarding his finances.

 

Mr Anyone made the last 'current' loan payment of XXX via Direct Debit from his Whatever Bank Current Account on Date (see Appendix 5). The first payment of XXX via Direct Debit from his Whatever Bank Current Account for his 'restructured' loan was made on Date (see Appendix 6). NO funds were credited to his Whatever Bank Current Account.

 

(PAGE 3)

 

In Date Mr Anyone underwent a full review of his finances. After much closer scrutiny of the Date Loan Agreement (Appendix 4), it became apparent that the 'restructured' loan made in Date by Whatever Bank Representative (insert name if known) of the Whatever Bank was IN FACT a brand new loan.

 

During the aforementioned meeting and without the knowledge or permission of Mr Anyone, the following actions took place:-

 

a) Whatever Bank cancelled Mr Anyones original (Date) Whatever Bank loan and Whatever Bank Payment Protection Insurance (Appendix 3). This was done despite X/X repayments having already been made by Mr Anyone, leaving only X/X installments outstanding.

 

b) Whatever Bank 'paid off' the original (Date) Whatever Bank Loan/PPI.

 

c) Whatever Bank started a brand new loan with Whatever Bank (Appendix 4). This loan was for XX months duration. Whatever Banks Payment Protection Insurance was also applied.

 

 

CLAIM 2

 

Mr Anyone claims that during the aforementioned meeting in Date, he was mis-sold the Whatever Bank Payment Protection Insurance based on the following facts:-

 

1) Whether by intention or omission, Whatever Bank Representative (insert name if known) of Whatever Bank allowed Mr Anyone to believe the 'restructured' Whatever Bank loan was just a continuation of his current Whatever Bank loan, when in fact (as it has only now been realised) it was a brand new loan.

 

2) Whatever Bank Representative (insert name if known) made no mention whatsoever of the PPI. Mr Anyone was not told it had been cancelled. Mr Anyone was not told it had been applied to the brand new loan. Mr Anyone was not consulted, neither was there any discussion as to whether he would want it or whether it was suitable for him. The subject of Payment Protection Insurance was not raised during the entire meeting.

 

3) At the time of the meeting Mr Anyone was in fact (still) in Temporary Employment. PPI does not cover Temporary Employees in cases of unemployment therefore the PPI was worthless to him in this respect.

 

4) Mr Anyone was not told that he was entitled to arrange Payment Protection Insurance with another provider if he so wished.

 

5) During the meeting, Mr Anyone was neither shown or given any documentation pertaining to the PPI. Neither was any information or policy document subsequently received in the post.

 

 

Based on the above facts, Mr Anyone is claiming a refund of XXX (? months X XXX) for the mis-sold PPI which commenced in Date. This amount represents the total charge, including interest, which has been added to the new loan. No claims have been made on this policy.

 

(SUMMARY PAGE 4)

 

SUMMARY OF CLAIMS

 

 

Mr Anyone is claiming a total of XXX from Whatever Bank PLC for the following reasons:-

 

 

That he was mis-sold Whatever Bank PPI in Date XXX.XX

 

That he was mis-sold Whatever Bank PPI in Date X,XXX.XX

 

Other Issue in Date X,XXX.XX

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

XX,XXX.XX

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  • 2 months later...

Another update:- following a casual discussion about our success, a friend realised that he too had in fact been 'coerced' into taking a PPI on a loan.

 

We then explained in more detail about how we had prepared our case and our stance when we visited our local Bank with our document, appendicies and claims.

 

None of us expected for a second that it would work a second time - although it was a different Bank in a different part of town. He paid them a visit and made his claim.

 

On Friday, his Bank (our friend has asked that we do not mention which one, because he has become 'they' who have, subsequent to his claim for PPI misselling, have taken out a mortgage with them) refunded ALL of the PPI.

 

He received just over two thousand pounds.

 

He is thrilled at the refund, they are equally happy because it is money they did not expect and can spend toward their wedding.

 

FYI :)

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Another update:- following a casual discussion about our success, a friend realised that he too had in fact been 'coerced' into taking a PPI on a loan.

 

We then explained in more detail about how we had prepared our case and our stance when we visited our local Bank with our document, appendicies and claims.

 

None of us expected for a second that it would work a second time - although it was a different Bank in a different part of town. He paid them a visit and made his claim.

 

On Friday, his Bank (our friend has asked that we do not mention which one, because he has become 'they' who have, subsequent to his claim for PPI misselling, have taken out a mortgage with them) refunded ALL of the PPI.

 

He received just over two thousand pounds.

 

He is thrilled at the refund, they are equally happy because it is money they did not expect and can spend toward their wedding.

 

FYI :)

 

Hello Saxonlady,

 

Excellent news, spread the word. This will bump up your thread for more to read.

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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This is the frist time I have ventured onto this board and I'm delighted to see a success story right away. Well done!!!

 

I also need to spread the word many companies will be willing to negotiate re ppi as the FSA has carried out an investigation. I know our product was withdrawn and 'reviewed.'

 

Captial One refunded some PPI as I was in the process of claiming back charges on my Bro's CC. He was not aware he had ever had it, worth knowing I think you'll agree :)

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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This is the frist time I have ventured onto this board and I'm delighted to see a success story right away. Well done!!!

 

I also need to spread the word many companies will be willing to negotiate re ppi as the FSA has carried out an investigation. I know our product was withdrawn and 'reviewed.'

 

Captial One refunded some PPI as I was in the process of claiming back charges on my Bro's CC. He was not aware he had ever had it, worth knowing I think you'll agree :)

 

Thanks for that info. yes the p**p is about to hit the fan:D watch this space as they say:eek:

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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:D What a great victory Saxonlady. Well done. I bet your friends are greatful for your motivation too.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 months later...

Another update : Since our success at recovering over 9k, and our friends good fortune at getting 2k, the latest news is that our tactic of taking comprehensive and sound documents and calculations (with appendicies and back-up evidence) direct to the Bank Branch (which gave the loan & PPI) has AGAIN been successful. Our friends were refunded over one thousand six hundred pounds.

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  • 6 months later...

UPDATE - today we received news of yet ANOTHER good result. By going direct to Branch after making an appointment to 'review a loan' a friend of the friend who made a successful claim in January was ALSO refunded! A small victory of just over 400 pounds - but a victory nevertheless.

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The branches no longer deal with PPI misselling claims. They are all dealt with via a PPI team in Manchester. The branch maybe able to take down the details but these will be sent on to Manchester. The change in process was fairly recent.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 10 months later...

Just stumbled upon this thread...

I currently have a claim going through at calculation stage as my information seems to have 'been mislaid' on a loan I had 5yrs ago.

I hope they come back with positive news.

 

This is a great boost in terms of success.

 

Well done.

 

Bizzi

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