lloydstsb credit card ppi

[ukaviator]

Sorry Cougar, it is for bank charges.

 

You know they won't comply with that request, but worth a try.

 

Hello HHNF. . .

[BaldyBaldwin]

Just Tagging Along

 

Best Wishes Bb

[cougar25]

Sorry Cougar, it is for bank charges.

 

You know they won't comply with that request, but worth a try.

 

Hello HHNF. . .

 

hi uka

 

are you talking about the third part or all of it? lol

 

to be honest with you, i dont mind if they dont comply because, i would find that suspicous, as will the judge (fingers crossed)

 

many thanks cougar

 

p.s hi bb

[ukaviator]

Pretty much all of it Cougar. They won't comply, sending in details of bonus payments of their sales staff is sensitive material.

 

I asked for training documents from Capital One a while back, to make sure their staff had adequate training in PPI etc, no a peep out of them.

 

They have since said that they will be sending a Barrister to my collegues hearing in October, to sort us out. . .

 

Should be fun. We will post everything up after the case has been heard, as they are monitoring everything here.

[Paintball]

UK what a genius idea, requesting staff training docs using a CRP 18 request. I shall make a note of that one for use with another organisation in a PPI claim who I imagine will not comply as they don't have any either ...

 

Sorry to jump in on this so late, but I've used the CPR 18 with Barclaycard to obtain docs that they were tardy in forwarding. They didn't comply with the request, instead folding and paying up before the court date.

 

To clarify, my CPR request was worded thus:

Date

Request for documents

Dear Sir or Madam

 

I have on (date( issued a small claim in the X Court against X for the return of (description).

 

Pursuant to Pre-Action Protocol 4.6© of the Civil Procedure Rules, I would be grateful if you could forward to me as a matter of urgence the following documents:

 

1.) A true copy of

2.) etc

 

I look forward to your compliance in this matter.

 

Yours faithfully

 

Name

 

CC The Court Manager

X Court

Edited September 29, 2008 by Paintball

[cougar25]

UPDATE,,...

I sent the statement off that i had to,..and also enclosed the cpr part 18 request for information.

And Ive recieved an offer in the post today for about half of the total claim including 8% interest.

So,. ill be sending them a refusal letter asap, informing them that i require total amount including contractual interest.

[hellhasnofury]

UPDATE,,...

I sent the statement off that i had to,..and also enclosed the cpr part 18 request for information.

And Ive recieved an offer in the post today for about half of the total claim including 8% interest.

So,. ill be sending them a refusal letter asap, informing them that i require total amount including contractual interest.

 

Hello Cougar,

 

Progress at last:grin:

 

Hey don't send them a refusal letter, send them a letter accepting their offer as part settlement, but you will pursue them for the rest:grin: to resolve your complaint

[cougar25]

Hello Cougar,

 

Progress at last:grin:

 

Hey don't send them a refusal letter, send them a letter accepting their offer as part settlement, but you will pursue them for the rest:grin: to resolve your complaint

 

Ok thanks hhnf

progress is slow but we are getting there

[hellhasnofury]

Hey Cougar,

 

Any update on this please:D

[cougar25]

Hey Cougar,

 

Any update on this please:D

 

hi hhnf:)

 

in court again tomorrow, sorry for not updating,..

 

they have been so slack getting me all the info.

 

firstly they asked for more time to supply a witness statement, so i made a trip to court to supply information that i sent the letter special delivery and they recieved it much earlier than they said.

the judge gave them more time anyway.

 

now they have provided the statments 2 days ago,..and a letter stating that the reason is becuase the account manager was on annual leave and couldnt sign the statment,....(first reaction ,...REALLY,..so how did he make a witness statment??)

 

I am completely fed up with them and so, i hope, is the judge.

 

I have so many issues with their conduct, it is hard remembering it all, talk abouyt abusing the court process!!

 

 

Also the court have said to allow 2 and a half hours for the case to be heard. I find this hard to beleive as they have also said the case is block listed with an hour slot for my case.

[hellhasnofury]

Hello Cougar,

 

You are truely on the right side of this now:D. Have you done a list for yourself to prompt your strong points of arguement:D

 

Do not allow the others side's barrister to undermind your confidence before you go in front of the judge. Tell them the only conversation you will have with them is to settle the matter on your terms:D ie the cough up the money.

 

 

Take a deep breath and think before you speak:-D

 

I will be thinking of you and wishing you good fortune and success:-D

[cougar25]

Hello Cougar,

 

You are truely on the right side of this now:D. Have you done a list for yourself to prompt your strong points of arguement:D

 

Do not allow the others side's barrister to undermind your confidence before you go in front of the judge. Tell them the only conversation you will have with them is to settle the matter on your terms:D ie the cough up the money.

 

 

Take a deep breath and think before you speak:-D

 

I will be thinking of you and wishing you good fortune and success:-D

 

hi again hhnf

 

just got back. i did get a pay out, but not what i was anticipating.

 

the claim was split into two parts firstly the initial application was signed for and so she saw no reason to assume that those charges were unlawfully taken.

the second part she said was obviously not legal. and therefore awarded those charges plus interest.

This is the part that makes me a bit angry.

she went on to say that the actual amount of interest charged on those payments was actually not 27.9 and therefore said she would only award what i had actually been charged which is in the region of 15%.

 

im thinking that because i did not have those calculations to hand for the duration of the claim and also the rate of 15%, she decided it would be easier to award 8% on the entire claim, and then to rub salt in, the barrister said that would mean i would be over compensated on certain parts more than others, so he sdvised she split the amount of interest in half like they do in personal injury claims.

 

so i actually got 4% on half the amount i claimed????

 

they now have 28 days to pay up. Although im strongly considering appealing on mathmatical grounds!!

[cougar25]

 

so i actually got 4% on half the amount i claimed????

 

they now have 28 days to pay up. Although im strongly considering appealing on mathmatical grounds!!

 

HEY ,..After a bit of a sulk i have calmed down only to realise that actually i now see what they are saying.

 

Ive just done the calculations, and actually 4% on the whole amount is actually the same as 8% calculated daily all bar about £100. so all is not lost.

 

I feel much better for knowing that,..and i know claiming the extra interest would be nice, but its done now and i just have to except it.

 

HHNF ONCE AGAIN YOUR A STAR, SORRY I DIDNT THANK YOU EARLIER.

I would never have had the stomach for all this without your constant support and advice. The court process is enough to drive anyone mad.

 

And maybe i didnt get what i wanted but i now have invaluable knowledge into the justice system and what to expect the next time an institution crosses my path!!

 

BRING IT ON !!

 

thanks to all who posted on this thread,..LONG LIVE CAG!!

[hellhasnofury]

HEY ,..After a bit of a sulk i have calmed down only to realise that actually i now see what they are saying.

 

Ive just done the calculations, and actually 4% on the whole amount is actually the same as 8% calculated daily all bar about £100. so all is not lost.

 

I feel much better for knowing that,..and i know claiming the extra interest would be nice, but its done now and i just have to except it.

 

HHNF ONCE AGAIN YOUR A STAR, SORRY I DIDNT THANK YOU EARLIER.

I would never have had the stomach for all this without your constant support and advice. The court process is enough to drive anyone mad.

 

And maybe i didnt get what i wanted but i now have invaluable knowledge into the justice system and what to expect the next time an institution crosses my path!!

 

BRING IT ON !!

 

thanks to all who posted on this thread,..LONG LIVE CAG!!

 

Hello Cougar,

 

I am glad you are a bit happier with the result:-D and don't forget how brave and clever you where to start this process in the beginning and you took them to the wire and won:grin:

 

Don't forget to post on the success thread

[LoopyLou22]

Well done Cougar,

 

Subscribing

 

J