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on a mission round 3


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Hello everybody,

 

Just embarking on round 3 of mis-sold ppi.

 

This is with the Nasty West again.

 

I had 4 loans with them and ppi was applied to them all.

 

I have successfully reclaimed back the last of the loans 2001 and got back over £7,000 with just a bit of a fight, did not have to issue a N1.

 

They coughed it up when I discovered how the interest was applied. They charged me 8.9% each year for 10yrs, so it worked out at 89% of the premium. Disgusting unjust enrichment.

 

Anyway with that one in the bag, I have written to them for a breakdown of the previous loans. I know how much the ppi premiums where. the loan amount and the dates, but not the interest rate and the total charged for credit. I have now asked for the information 4 times and in is now 69days and no information. Me thinks they don't want to give it to me. But that will not deter me.

 

This account is in clear legal dispute and I will not pay them until the ppi issue is resolved.

 

I have just received a letter from them regarding the small matter of no ca agreement and a alleged debt. They state their databases provide confirmation that I benefited financially from the arrangement of each loan. So their databases would also confirm that they benefited financially from [edit] me with their ppi. But still that information is not forthcoming.

 

They consider the matter closed as I agreed to settle in June regarding the mis-selling of ppi. Interesting the previous loans where never mentioned and how could I discuss any refund on those as I have not received the information on those. GGGGggggggrrrrrrrf

 

Anyway after their ignoring my requests I have been left with no option, but to work out the amount of interest they applied to the previous loans based on my previous experience 89% of the premium. We will see what the respond with after they have stopped choking.

 

The calculations I have worked out on that basis, and of course contractual interest to date comes to a staggering £18,000

 

So wish me luck

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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Hello,

 

Thanks for the support, I do believe this will be the fight of all fights. There are a lot more issues than the ppi. 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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th_goodluck.png

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.

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Thank you,

 

First letter round 3 going today, discussing issues. I will give them a week and then bang they get the letter asking for a refund for the others.

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 Hiya Pindagolf,

 

It always interest me in why fellow caggers choose their usernames. May I ask why use choose that one.

 

I choose Hellhasnofury because that is how they make me feel. I have turned from a soft choice into wrath. I will fight to the bitter end either way. I can see me at this laptop as a little old lady, still fight the cause.:D

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 hell

 

I owe you an apology as I have not got round to your thread before now.

However good luck with your fight with Snatch West. We know how unforgiving they are don't we?

They are now passing mine over to Triton Credit Services whilst in dispute too.

 

How far down the line are you at the moment?

 

maggiebroom :)

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Hi hell

 

I owe you an apology as I have not got round to your thread before now.

However good luck with your fight with Snatch West. We know how unforgiving they are don't we?

They are now passing mine over to Triton Credit Services whilst in dispute too.

 

How far down the line are you at the moment?

 

maggiebroom :)

 

Hello Maggie,

 

No apoligy needed I know how busy you are and the trouble you are having. It does not do the blood pressure any good.

 

I am not very far down the road with this one as yet. I have been waiting for a breakdown of the loans for about two months, and they are not forthcoming with this information. I wrote to them last week regarding other issues, no ca, default issues. So my prelim will go out on Monday

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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Hello,

 

Well I never, I truely can't believe it, they are still ignoring me. Me thinks they see my name and throw it straight in the bin:eek: :D

 

So sent the prelim today:D So the process has started, so I will give them the 14days to respond, and then another 14days and ouch, have to rumage up the dosh for a court claim.:eek:

 

I do wish they would take me to court, so I could defend and then put in a counter claim. That would be more cost effective.:D

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

 

I for one will be following this thread very closely and would like to wish you the very best of luck with it;) and maybe if you could spare a few moments of your busy schedule, I would be extremely greatful if you could lend me some pointers to fight my corner with Firstplus:)

 

http://www.consumeractiongroup.co.uk/forum/ppi/115106-ppi-loan-issues.html

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  • 3 weeks later...

Hello,

 

Received the nice polite letter from the snatch west yesterday.

 

They consider the ppi issue was resolved in June this year, as per their previous correspondence,:eek: Good job I have keep it all then:D Will send them copies of their offer and my acceptance of the settlement for their reference. I only asked for a refund of the last loan, I could not ask for the other three ppi's as they will not give me the information I asked for and they have still not come up with it.

 

Of course there is more issues than this. Default. They defaulted me in may this year after I reclaimed back the ppi . In a letter in September they stated that the default action had been postponed??????? Yeah right Hello!!!!! So of course I challenged this.

 

In there latest letter. That they are obligated to enter all defaulted credit agreements to the credit agencies. There is no Credit Agreement so they cannot default me on nothing. Idiots!!!!

 

Latest letter states now recovery action has been postponed, so they have eventually caught up then:???: Me thinks they are trying to intimidate me.

 

They have now in their correspondence dicussed the notion of me giving them my Solicitors details. ??????????. They will co-operate fully with them and look forward to hearing from them.

 

Well I knew this was going to be a bit fight, but I did not realise how much of a fight and to top it all they are trying to cover up, cloud the simple issues and totally contradict them themselves. I am one step ahead though.:D

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 Hell

 

Go get em girl. It seems like they never want to admit defeat doesn't it.

 

Triton Credit Services have passed my account back to Snatch West so I am waiting for their response to that.

 

It always pays to keep all correspondence, My spare bedroom looks like an office at the moment.

 

Best of luck hell and keep us posted.

 

maggiebroom :)

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Hello,

 

Received the nice polite letter from the snatch west yesterday.

 

 

Of course there is more issues than this. Default. They defaulted me in may this year after I reclaimed back the ppi . In a letter in September they stated that the default action had been postponed??????? Yeah right Hello!!!!! So of course I challenged this.

 

Sorry could you just clarify something. Are you saying that after succesfully reclaiming your ppi they defaulted you on your loan? Am I missing something? I'm trying to reclaim on a loan that I'm still repaying, is there a danger of them defaulting me?

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Sorry could you just clarify something. Are you saying that after succesfully reclaiming your ppi they defaulted you on your loan? Am I missing something? I'm trying to reclaim on a loan that I'm still repaying, is there a danger of them defaulting me?

 

Hello GT,

 

No they will not default you if your are still paying. :D My issue with them is after they [edit] me blind with ppi, I could not afford to make the repayments. :evil: This was 14months ago and I was paying them through a dmp. They never defaulted me during this time. They did it when I got back my ppi on the last loan (with a bit of a fight). :evil: Its as if they had to have the last word. But I will.:D of course.

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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Good grief this is a fight and a half. I am full of admiration that you have been able to summon up enough energy to even consider it.

 

By asking for your solicitor's details they obviously don't believe you are serious about court and think they're calling your bluff - ha ha!! I'm guessing they're going to learn the hard way by messing with you :p

 

Will be watching with interest. Good luck HHNF

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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Good grief this is a fight and a half. I am full of admiration that you have been able to summon up enough energy to even consider it.

 

By asking for your solicitor's details they obviously don't believe you are serious about court and think they're calling your bluff - ha ha!! I'm guessing they're going to learn the hard way by messing with you :p

 

Will be watching with interest. Good luck HHNF

 

Hello Hopeful,

 

Many thanks for your support. I do appreciate it. I have to have the fight for this. It is about justice, which I am a great believer in. Or else why do we do it.

 

Is not about the money, its about the unfairness of it all. The banks have been trusted for years. I know I did, I was so grateful to them for giving me a chance of a loan, didn't even know what ppi was, that how well they explained it to me. given no option, signed and there we have it.

 

My daughter opened my eyes about 12months ago, when I was down and could see no way out of my financial blackhole. Penalty charges. The nasty west started appying penalty charges, bouncing DD and set the ball arolling.

 

It became too much and the problem spiralled, till I had to admit defeat. I could no longer rob peter to pay paul. I do feel bitter toward the Nasty.

 

as they quote a responsible lender. What does that mean. Responsible for making many people in debt, by applying ppi, to make profit.(This will probably be edited so read it quick)

 

I have gained a lot of knowledge from this site about the CCa and I am aware of what they should do and cannot do. I am not trying to get out of anything I lawfully have to pay. They pay me what they owe me. I will pay them what they claim I owe them (minus the interest they charged) and I will still have the most money:D

 

I am determined to do this and will succeed:p May take some time but whatever:D

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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I'm completely with you there. I was at rock bottom with my debts prior to finding this site. I've done the peter robbing paul thing and had run out of options. It is so good to now be reducing my debts without borrowing more.

 

I also agree with what you said about paying what you owe. I too just want justice ie with Barclays, i hadn't considered asking for a refund but i just wanted the PPI stopped so the payments would be less. I am behind again 'cause i can't keep up. I will be claiming now because they've been so unhelpful and downright ignorant. They haven't provided a CCA so on that basis i'm not panicking about trying to find the money. When the PPI is sorted i will happily start to pay them.

 

I'm just going to start my Barclays thread off now ;)

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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Just wanted to wish you lots of luck Hells!

I will be watching with baited breath

You have so much bottle and tons of knowledge, all the things I wish I had!

go get em girl!

xx

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Hi Hells... i've only just seen this thread and have read through with interest. Good luck with everything - as you have so much experience in these matters i'm sure you'll fight your way through.... i shall be following this thread with interest!

 

Once again, good luck as i'm well rooting for you!!!xxxx

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