PPI and Court

[marshallka]

Re: PPI and Court

Also PF--Are you incurring Penalty Charges on your current account because of lack of funds in not being paid your PPI Offer (Over £7,500 for christ's sake)?

If so--call it a day--believe me -- this consequential losses theme which Bill is pioneering with Debt star & Nelliewops is not for you mate!--believe me!!--you've got to be super strong to go down that route---and you ain't---sorry--I call a spade a spade I'm afraid!!

If PF is after consquential loss what are his consequential losses????


As I see things from watching the thread OTR and then here, PF made a complaint to Co-op for just his PPI being missold. He was some time later offered redress for all but one of the loans. This redress was at the time correct BUT OTR he was told it should be nearer 20K (I think!!). It was then that PF made a complaint to FOS and FOS agreed the redress again. It was then it was taken to the Ombudsman who again agreed the complaint had been handled correctly BUT at thi point he was offered the payments made on the first loan (which was years ago) although they did not have paperwork. PF had once tried to get a SAR but it was not complied with. He then made another request and is still waiting. IF the SAR is complied with and does contain the statements (like the one I sent to you in PM Turbo) then he can finally put to rest. Most people do not have their actual paperwork to that extent when they are offered a redress but most accept.

[Turboman]

Re: PPI and Court

Sorry PF---you can't shake me off

See here on a thread that me & Marshy discussed

Millie lost her offer completely by deliberating too much!--& now faces a long drawn out process -- probably 6 mths-ish with FOS to try & get it re-instated

http://www.legalbeagles.info/forums/...ad.php?t=25153

I know its different---but the principle is still there---goodwill offers can be withdrawn

[Turboman]

Re: PPI and Court

Also PF--Are you incurring Penalty Charges on your current account because of lack of funds in not being paid your PPI Offer (Over £7,500 for christ's sake)?

If so--call it a day--believe me -- this consequential losses theme which Bill is pioneering with Debt star & Nelliewops is not for you mate!--believe me!!--you've got to be super strong to go down that route---and you ain't---sorry--I call a spade a spade I'm afraid!!

[marshallka]

Re: PPI and Court

I firmly believe the way to go now is getting a solicitor to initially send the bank an LBA to comply and if that still does not work take solicitors instruction and if he believes the case is strong in court on the evidance i have so be it as im sure the sol will consolt a barsister first

And im not talking a CMC here but a pucker solicitor

Pompeyfaith, what do you want to get a solicitor involved for, is this for the SAR request aone? What is your complaint with a solicitor? I asked for a sar from co-op and had similar problems to you but when I asked again I then got all my statements of account and agreements too. FOS got the same so I would say that you will get your SAR without need for a solicitor. There must be some other reason here as to what you expecting to gain because if you take to court for the SAR i thought it was only financial loss you can claim for and there would be some argument as to what you have actually lost here.... ?????

Your original complaint was PPI wasn't and they offered you a redress that you thought was not correct. They were actually correct though so I don't know what your complaint is? I am a little lost here. Is this for the first loan that was about 10 years ago?

Re: PPI and Court

believe me when i say they are no differant or indeed operate no differant to the rest ethical my a*** that is a smoke screen

lol, with you there good buddy. Sheisters the lot. And they need showing up for what they truly are.

[Angry Cat]

Re: PPI and Court

but why should they get off complying with a lawful request hell they did not even comply in 2008 so my question to you all is why have they not complied laws are there for this very reason and what is the point in the government putting those acts in place if businesses do not comply with them seems a waste of taxpayers money

Why not try and get your original ICO complaint re-opened?

I did this re: RBS and John Squire (ICO) re-opened mine; much quicker than logging a new complaint!

[pompeyfaith]

Re: PPI and Court

I firmly believe the way to go now is getting a solicitor to initially send the bank an LBA to comply and if that still does not work take solicitors instruction and if he believes the case is strong in court on the evidance i have so be it as im sure the sol will consolt a barsister first

And im not talking a CMC here but a pucker solicitor

[pompeyfaith]

Re: PPI and Court

On my phone posting this so this evening when i can kick the wife off my pc lol i will go though this whole thread and the one OTR and post up all the lies they have told some of which is absolutely unbelieveable then you will see why i am taking this stance indeed everyone things the co-op are white as white but believe me when i say they are no differant or indeed operate no differant to the rest ethical my a*** that is a smoke screen

[marshallka]

Re: PPI and Court

You can take your complaint further with the ICO

Taking your complaint further - Information Commissioner's Office (ICO)

And one here about taking your case to court if you have suffered loss

http://www.ico.gov.uk/upload/documen...sation_2.0.pdf

Re: PPI and Court

I feel so frustrated for PF...I have been - and am - in the same situation with creditors as PF.

The ICO are a waste of space. Hopeless.

[marshallka]

Re: PPI and Court

sure, but i'm sick to death with the banks et al not complying with SARs, CCAs, and intentionally refusing to recognise valid disputes because they know they will get away with it.

I am sure if the ICO get enough complaints on a firm they HAVE to intervene don't they. I know they are waste of time TBH but don't really know what their job is and what CAN happen to firms that have lots of complaints against them?

Re: PPI and Court

If you can afford to actually fight about consumer rights and principals of law.... the redress's ARE and were correct all along and it was over at another site he was told they were not.

sure, but i'm sick to death with the banks et al not complying with SARs, CCAs, and intentionally refusing to recognise valid disputes because they know they will get away with it.

[marshallka]

Re: PPI and Court

If you can afford to actually fight about consumer rights and principles of law.... the redress's ARE and were correct all along and it was over at another site he was told they were not.

Re: PPI and Court

but why should they get off complying with a lawful request hell they did not even comply in 2008 so my question to you all is why have they not complied laws are there for this very reason and what is the point in the government putting those acts in place if businesses do not comply with them seems a waste of taxpayers money

with you on this PF.

if you don't pursue it you may always regret not having done so...even if the end result goes against you. weigh up the pros and cons PF, but its not just about the money all of this (what we are doing here) is it? its about consumer rights and principles of law.

[enaid]

Re: PPI and Court

My opinion, I agree with the above, I really understand you have been messed about and would like redress but is it worth all the stress?
Take the money and let it go, let them think they may have gotten away with a little bit, we know different.
Enaid x