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AL59 PPI Claim - Natwest **REFUNDED**
Hi all,
I got home tonight to a load of mail from Cobbetts,Northampton and my own County Court so I will deal with each one on each thread re this PPI.
I think I would be better starting at the beginning.
When I first Filed with this I did not know of this site and the nice people who helped,I did not know of any site at all then a friend pointed me to the Martin Lewis site. I watched the video of him explaining how to claim on line, so I thought that sounds easy enough so I went on line filled in the form paid my money and thought that was it now just sit and wait as Martin Lewis had told me. I did not know about POCS and what have you?
I had writen to Natwest telling them they had misold me PPI. They said they had not ect ect.I worked out how much I had paid in monthly premiums up until the date I asked them to pay me back which was £1589.49 I added 8% interest to it £127.15 which is what I thought you did came to a total £1716.64 and compensation to be negotiated. They wrote back said no but they will cancel the policy but I still had to pay £21.02 per month for the term of the loan Nattie did explain this to me.
So I claimed on line for the full amount of the premium £3675.00 I did not send anything else to the court thinking doing it on line that was it?
My online POC read as.
On September 2nd 2004 I was misold a Personal Loan Protector.Wereas being self employed the only claim you could make was if you became bankrupt.You could not claim for sickness,accident or becoming unemployed.They just added this cover to the loan but did not explain the details.Had I been told the details I would not have accepted the PPI.When I tried to cancel the policy they told me I could not cancel the policy and refused to refund the cost of the cover. The cost of the cover was £54.81 per month. When they cancelled the policy they still charged me £21.02 per month for the balance of the loan period. That was the way I said it on the POC.
I have received a letter from the Northampton Court.
saying. Please note that the Registry of Judgements has returned the attached judgement registration they need to query a particualar aspect of the information you have supplied If there are any amendments to the defendants name please file an N244 and pay £35 please refer to the back page this gives the reason that theRegistry of judgements are unable to register the judgement.
The reasons are
a joint judgement against two firms
b One firm name
c Second form is part of the address
d Other please specify.
I think I see the mistake I made how I dont know????????????
On the online claim form it says Claimant I have my name address and post code
the next box says Address for sending documents and payments ( if different)
I have put my name and address again and my bank account sort code and account number why I dont know. Will this be what has thrown a spanner in the works and How do I get round it They have sent me an Aplication notice and an explanation how to fill it in do I have to pay £35
as well It is all so confusing Do I have to send copies of all the letters I have sent Nastywest asking for my money back even though it is less than what I claimed on line or is everything ok because they gave me a judgement in default. I am only home till tuesday then I go away again for 9 days and I have stuff on the other threads I need to discuss with you all.
Al
I got home tonight to a load of mail from Cobbetts,Northampton and my own County Court so I will deal with each one on each thread re this PPI.
I think I would be better starting at the beginning.
When I first Filed with this I did not know of this site and the nice people who helped,I did not know of any site at all then a friend pointed me to the Martin Lewis site. I watched the video of him explaining how to claim on line, so I thought that sounds easy enough so I went on line filled in the form paid my money and thought that was it now just sit and wait as Martin Lewis had told me. I did not know about POCS and what have you?
I had writen to Natwest telling them they had misold me PPI. They said they had not ect ect.I worked out how much I had paid in monthly premiums up until the date I asked them to pay me back which was £1589.49 I added 8% interest to it £127.15 which is what I thought you did came to a total £1716.64 and compensation to be negotiated. They wrote back said no but they will cancel the policy but I still had to pay £21.02 per month for the term of the loan Nattie did explain this to me.
So I claimed on line for the full amount of the premium £3675.00 I did not send anything else to the court thinking doing it on line that was it?
My online POC read as.
On September 2nd 2004 I was misold a Personal Loan Protector.Wereas being self employed the only claim you could make was if you became bankrupt.You could not claim for sickness,accident or becoming unemployed.They just added this cover to the loan but did not explain the details.Had I been told the details I would not have accepted the PPI.When I tried to cancel the policy they told me I could not cancel the policy and refused to refund the cost of the cover. The cost of the cover was £54.81 per month. When they cancelled the policy they still charged me £21.02 per month for the balance of the loan period. That was the way I said it on the POC.
I have received a letter from the Northampton Court.
saying. Please note that the Registry of Judgements has returned the attached judgement registration they need to query a particualar aspect of the information you have supplied If there are any amendments to the defendants name please file an N244 and pay £35 please refer to the back page this gives the reason that theRegistry of judgements are unable to register the judgement.
The reasons are
a joint judgement against two firms
b One firm name
c Second form is part of the address
d Other please specify.
I think I see the mistake I made how I dont know????????????
On the online claim form it says Claimant I have my name address and post code
the next box says Address for sending documents and payments ( if different)
I have put my name and address again and my bank account sort code and account number why I dont know. Will this be what has thrown a spanner in the works and How do I get round it They have sent me an Aplication notice and an explanation how to fill it in do I have to pay £35
as well It is all so confusing Do I have to send copies of all the letters I have sent Nastywest asking for my money back even though it is less than what I claimed on line or is everything ok because they gave me a judgement in default. I am only home till tuesday then I go away again for 9 days and I have stuff on the other threads I need to discuss with you all.
Al
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