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smith v monument unfair treatment

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  • smith v monument unfair treatment

    have grown increasingly disturbed by the disregard shown to regular payments made on this account by Bryom & Keeley; my debt management company, prior to its sale to Cabot Financial in xxxx. I have also grown concerned about the number and frequency of telephone calls that persisted from 2005 up until this time, despite informing your operatives on a numerous occasions that I was in a Debt Management Plan with the aforementioned company.

    Despite regular payments being sent to you on my behalf, together with financial statements, a letter of authorisation and a letter detailing an offer of payment, telephone calls continued to bombard my home, claiming that none of these were ever received by yourselves. Seeing as all enclosed cheques were cashed, I found this strange. Having recently discovered that these cheques were apparently beeing stock piled




    since i was in a dmp the statments show checks being stock piled to add mor charges
    ckpiled by yourselves in order to justify entering a default on my credit file for “breaching” an arrangement to pay however, it is fortunate that I am able to prove that my account never exceeded its limit prior to entering into a Debt Management Plan. I am also able to substantiate the dates when each cheque was sent to yourselves, as well as when these were cashed.

    As well as requiring a full written explanation of these actions as part of my complaint, I also require your signed evidence of my alleged authorisation for £9.94 to be added each month for Payment Break Plan (PPI insurance); seeing as I have been out of work since 1996.
    In April 2007, it appears that Cabot Financial purchased this account from yourselves at which point, £850 was added to the account. After liasing with Cabot Financial however, copy statements clearly showed the manner in which cheque payments had been stockpiled by yourselves in order to attract an array of unlawful charges,

  • #2
    Re: smith v monument unfair treatment

    okay monument sent my statements out today 8 th nov.....so i can claim ( payment break plan which is ppi )
    annual charge £15
    over limit fee £24
    late payment fee £24 hell of a lot of those
    which intrest can you claim back merchandise intrest at 1.666% with providian
    cash intrest at 1.999%
    payment break plan is a lot

    since i was in a dmp the statments show checks being stock piled to add mor charges do you need to keep the claim for payment break plan (ppi ) seprate from charges



    had all the crap letters from cabot nothin new they put account on hold

    Comment


    • #3
      Re: smith v monument unfair treatment

      Smith

      If you use the schedule of charges template here

      http://www.legalbeagles.info/forums/...read.php?t=204

      It will work out your contractual interest for you.

      Is the payment break stuff just charges or is it other charges? I take it the ppi kicked in and made your payments while you were unemployed?

      If it is just charges, you can add them in, if not it would be worth doing seperately as it may just confuse matters, would be useful if you could give us a sample of the payment break stuff.

      cheers

      Jan x

      Comment


      • #4
        Re: smith v monument unfair treatment

        payment break plan is ( ppi ) when you are working come out of work you use it basicly it was missold to me as i dont work it starts of low like 31 or £2 depends on card balance the more you use the card the higher the ppi like £ 9.45 on a balance of £2800.. payment break plan if unemployed you can not claim on it its think a seprate matter for mis sold payment protection insurance sane thing but with a posh name
        Last edited by smith; 8th November 2007, 19:47:PM. Reason: missed out

        Comment


        • #5
          Re: smith v monument unfair treatment

          If you didn't work when it was sold to you, it is definitely mis sold ppi and should be done as a separate claim.

          template letters here:

          http://legalbeagles.info/forums/showthread.php?t=2337

          Comment


          • #6
            Re: smith v monument unfair treatment

            You can't claim the £15 annual charge btw, it's a service fee, ok for the late payment and overlimit fees though.

            (thanks enaid)

            Comment


            • #7
              Re: smith v monument unfair treatment

              Originally posted by iancognito View Post
              If you didn't work when it was sold to you, it is definitely mis sold ppi and should be done as a separate claim.

              template letters here:

              http://legalbeagles.info/forums/showthread.php?t=2337
              cheers

              Comment

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