Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

[cappo]

Re: Latest updates on PPI Judicial Review and claims on hold

I have just posted this on MSE as a warning before the member above goes rushing in, so ill copy my answer here also a reminder to anyone think of going down the CMC route.

DocHants,

Do you research first regarding claims companies do not sign anything until you have read there terms and conditions and finally never ever pay any upfront fees.

15% FLAT RATE FEE may sound good and it is now doubt what draws there custom in, but what exactly are you getting for that not a lot I would imagine.

CMC's are not out there for the kindness of there hearts they are a business like any other and to make profits at any cost to the consumer.

Yes there are some good CMC's out there but you have to do the hardwork to find them.

Good Luck and tread carefully.


FOREWARNED is FOREARMED it is all so easy to say yes over the phone with the pressure you are put under I understand, but this is no differant to anything else so I state again read the T&C's first

i agree there are good cmc,s out there but they won,t fight your corner like the fos will and there,s no second opinion, at least with the fos it is a 2 stage process adjudicator and ombudsman so if the adjudicator misses something at least hopefully the ombudsman picks it up also if the cmc gets any resistance whatsoever they will drop the claim and you,ll end up having to go to the fos anyway.:beagle:

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

Ok, Ive opted to use a claim company who charge 15% flat fee, which I thought was very reasonable.. I did try to claim myself, but LloydsTSB did not receive ANY of the 4 emails I sent (despite me receiving an auto-reply confirming it had been received), and non of the 2 faxes I sent. So I thought Id leave it to someone who deals with these sort of things to pursue.. bit of laziness on my behalf, but if I get the £1800 back, they are quite welcome to £300!

I have just posted this on MSE as a warning before the member above goes rushing in, so ill copy my answer here also a reminder to anyone think of going down the CMC route.

DocHants,

Do you research first regarding claims companies do not sign anything until you have read there terms and conditions and finally never ever pay any upfront fees.

15% FLAT RATE FEE may sound good and it is now doubt what draws there custom in, but what exactly are you getting for that not a lot I would imagine.

CMC's are not out there for the kindness of there hearts they are a business like any other and to make profits at any cost to the consumer.

Yes there are some good CMC's out there but you have to do the hardwork to find them.

Good Luck and tread carefully.


FOREWARNED is FOREARMED it is all so easy to say yes over the phone with the pressure you are put under I understand, but this is no differant to anything else so I state again read the T&C's first

[Paul210]

Re: Latest updates on PPI Judicial Review and claims on hold

I had read on MSE that someone else has success in a reclaim with Halifax (unless its the same poster as here lol) and their case was originally held up with the JR, saying that this poster received the letter today - post number - 12552

http://forums.moneysavingexpert.com/...24031&page=628

Wasnt me Di, I dont use MSE, I find the content on here much better!!!

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

And PPI policies that are dressed as something else i.e giving it a differant name indeed MBD the world of PPI is not so black and white.

[Angry Cat]

Re: Latest updates on PPI Judicial Review and claims on hold

its not a standard fob off, it is a rejection based on the fact you ticked a box saying you wanted it, and they never gave you any advice on the matter you took it out. You also then siigned to say you knew what you were signing and agreed to it. Therefore how can you claim you have been mis-sold to...now whats your response?

trying to be helpful and playing DA

Cleverly written Limitation and Exclusion clauses come to mind;
Limitation and Exclusion clauses that were not explained to the general consumer.

[cappo]

Re: Latest updates on PPI Judicial Review and claims on hold

its not a standard fob off, it is a rejection based on the fact you ticked a box saying you wanted it, and they never gave you any advice on the matter you took it out. You also then siigned to say you knew what you were signing and agreed to it. Therefore how can you claim you have been mis-sold to...now whats your response?

trying to be helpful and playing DA

theres a lot of reasons for a missale MBD it,s not that straightforward, i think in all fairness a lot of people have only just realised these policies were sold in an underhand way if suppose you went overdrawn without authorisation what wouid the bank do? they wouid,nt say well don,t worry about it i,ll let you have that one, that said everyone is obviously entitled to there opinion,i can see where your coming from but if thats the case we,re all guilty of signing our paperwork,no one realised the banks were wolves in sheeps clothing we were guillable enough to think that the banks were acting in our best interests,how wrong an assumption was that,if the banks did,nt sell these policies and had,nt ripped people off wholesale they,d not have to bleat to everyone about how hard done by they are for the fact they wouid have to pay everyone back,poor banks. rant over.

[MBD23]

Re: Latest updates on PPI Judicial Review and claims on hold

its not a standard fob off, it is a rejection based on the fact you ticked a box saying you wanted it, and they never gave you any advice on the matter you took it out. You also then siigned to say you knew what you were signing and agreed to it. Therefore how can you claim you have been mis-sold to...now whats your response?

trying to be helpful and playing DA

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

I had read on MSE that someone else has success in a reclaim with Halifax (unless its the same poster as here lol) and their case was originally held up with the JR, saying that this poster received the letter today - post number - 12552

http://forums.moneysavingexpert.com/...24031&page=628

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

Hi Yes it was the final response. The reason for rejection was that I had ticked the box asking for the PPI. They also enclosed an Application form from 2002 with the PPI box ticked and my signature.They have also said "if you would like to discuss this further please call"and also mentioned taking it to the FOS.
Thanks for your help.

Your very welcome x

A standard fob off then?
We all have to sign and tick for our loans etc, but you obviously still had your reasons to make a reclaim.
I would not call them on the telephone, and only in writing only.
But otherwise now I would be making a complaint to the FOS, you can do this by ringing them and making the complaint on the telephone, or ask them to send you the complaints form, or download and print one from their website.

And of course enclose copies of all correspondence.

Oh it may be worth starting a new thread on this, so we can help as well.

http://www.legalbeagles.info/forums/...ewthread&f=125

[Leucareth1971]

Re: Latest updates on PPI Judicial Review and claims on hold

Hi Yes it was the final response. The reason for rejection was that I had ticked the box asking for the PPI. They also enclosed an Application form from 2002 with the PPI box ticked and my signature.They have also said "if you would like to discuss this further please call"and also mentioned taking it to the FOS.
Thanks for your help.

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

Just had my 2nd rejection letter this time from Barclaycard with a signed (2002) Application form which has the PPI box ticked, where do I go from here?

Hiya

Sorry to hear this.

So was this the final decision, and what reasons did they give to reject?

Did they suggest the financial ombudsman service (FOS)?

[Leucareth1971]

Re: Latest updates on PPI Judicial Review and claims on hold

Just had my 2nd rejection letter this time from Barclaycard with a signed (2002) Application form which has the PPI box ticked, where do I go from here?

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

Indeed Di and that relates to businesses in general and not just banking in there pursuit for profits.

Could go on about that in detail but not here as the thread will go off topic.

But maybe start another thread.

Regards
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That is actually a good idea PF.

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

I was infact talking to a neighbour who lives nearby to my mum, well she is a friend to mum's in a way, she is now in her late 70's and actually worked for Lloyds, or when it was called TSB I think.
She was saying she is disgusted with the system the way it is now, too many mistakes are made, where they used to treat customers with respect its no longer like that now.
She was also an account holder for these but moved her account elsewhere.

Indeed Di and that relates to businesses in general and not just banking in there pursuit for profits.

Could go on about that in detail but not here as the thread will go off topic.

But maybe start another thread.

Regards

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

On Monday I was talking to an 89 yr old ex-bank manager his time in the banking industry was at a time when bank manager where bank managers and everything was handled at high street level.

Those days sadly are long gone for the worst in my mind, but this 89 yr old still had a good head for figures being the treasurer at the stroke club I help out at.

To many simple mistakes,large volume errors and large scale rip-offs are being generated via the new system of centralizing banking.

Aww bless him too PF.

I was infact talking to a neighbour who lives nearby to my mum, well she is a friend to mum's in a way, she is now in her late 70's and actually worked for Lloyds, or when it was called TSB I think.
She was saying she is disgusted with the system the way it is now, too many mistakes are made, where they used to treat customers with respect its no longer like that now.
She was also an account holder for these but moved her account elsewhere.