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

[Amethyst]

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

4 way - Self v FOS v CMC v Sols

I vote FOS in the first instance, Self via court in the second, if you are trying it on and werent actually missold and are just trying to get some money back off the bandwagon, then just FOS (not that i advocate bandwagonning at all).

[NLP]

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

4 way - Self v FOS v CMC v Sols

I vote FOS in the first instance, Self via court in the second, if you are trying it on and werent actually missold and are just trying to get some money back off the bandwagon, then just FOS.

Maybe we could start a thread advising of how we could take legal action ourselves?

Would love to be able to do that.

[Amethyst]

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

We've always avoided that except on an individual basis (ie no templates) as it is different circumstances for everyone and I wouldnt want people who hadnt trueLy been missold taking a claim into court without going through all the facts first.

The only thing i can recommend while considering taking court action as opposed to FOS is to go and dig up and read, read and read again, the court judgments which have been handed down of late. (I'll put a list together if you like)

[The Debt Star]

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

Maybe we could start a thread advising of how we could take legal action ourselves?

Would love to be able to do that.

I second that. The litigation process is a mystery to me and what I fear most is adverse costs if it goes wrong. I'm sure I speak for many others.

[marshallka]

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

Havent kept up on the old Loancheck, and the vast number of sols and offshoot cmcs involved, threads over there for a while ? Are people getting things sorted now ?





One of those involved was a 'PPI' ''specialist'' rather than UEA claims, theres threads and threads about them on MSE, and on here so I won't go into names.

Never really heard anymore than was posted. I know that Guy was doing some "investigation" into it but as yet never posted back. It did seem like lots of new comers were on each blaming someone etc and I think that we will hear in the end. It was interesting with some names that came out on site though and some interesting PM's too!!!

[NLP]

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

I second that. The litigation process is a mystery to me and what I fear most is adverse costs if it goes wrong. I'm sure I speak for many others.

Yup that is the fear, but what a buzz to be able to act the bigshot solicitor by yourself and WIN!!

[marshallka]

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

Maybe we could start a thread advising of how we could take legal action ourselves?

Would love to be able to do that.

I posted this on MSE the other day....you could give it a go if you have a complaint with a bank


Just found this about if a bank owes you money....
http://www.bbc.co.uk/dna/h2g2/alabaster/A850051

The Embarrasment Factor
If your complaint is against the local branch of some bank or building society there is a certain amount you can do locally. Bear in mind that a local branch manager is responsible for the performance of the branch, and local reputation has a large part to play in that.
The first thing to do is to try to get as high up the ladder as possible, as far as the branch manager; or at least the assistant manager. There's little point in dealing with the counter staff, who are probably just doing what they see as their job in refusing your request.
If you cannot get through to the big cheese, or if you do and it doesn't help, try and interest the local newspaper in the story. They may well contact the manager for an interview, and even if they don't get one it will send a strong message.
You could go into the branch at a time when there are lots of customers there and make a scene. Demand to see the manager. Demand your money back. Make a nuisance of yourself within the branch, within legal bounds of course. Walk up and down the pavement outside, carrying a placard demanding justice. If you stand still you could be arrested for obstruction (this is the case in UK law) but if you keep moving it's quite legal (don't write anything libellous on the placard, though).

[Amethyst]

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

Yup that is the fear, but what a buzz to be able to act the bigshot solicitor by yourself and WIN!!

Not quite the same buzz if you lose and have costs awarded against you tho, as many many people will testify particularly on UEA defences.

I still advocate FOS for PPI claims, courts should be, as intended, for last resort.

Couple cases you should be able to find the judgments for about the net, or at least reports on; will add when i think of any others;

Negative for the consumer
Blackhorse v Speak & Speak July 2010
Harrison v Black Horse July 2010


Positive for the consumer
Yates v Nemo - May 2010
Ian Wollerton v Black Horse Limited - 26 March 2010
MbNa v thouris - Sept 09 (on the PPI bit)
London North v meadows (2005 - ref total charge for credit etc)

[EXC]

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

It's worth listening to Martin Lewis give evidence to the Commons Treasury Select Committee this morning.

It's basically about financial regulation but he really goes off on one about PPI (at appx 9.52). When he'd finished, the committee asked him what he had for breakfast.

Player

[Amethyst]

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

Too many Jelly babies again lol. Will listen a bit later thx for the link.

[marshallka]

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

Just in case


Complaints about the FSA



Related information:

Complaints about the FSA - our responses
Complaints sourcebook and complaints procedures


Anyone directly affected by the way in which the FSA has exercised, or failed to exercise, its functions (other than its legislative functions) under the Financial Services and Markets Act 2000 (FSMA) may complain about the FSA using the FSA Complaints Scheme.



http://www.fsa.gov.uk/Pages/about/co...ts/index.shtml

Don't know if individuals can complain here or not? Amethyst may be able to confirm???

[EXC]

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

Further to it's announcement last week on the banning of PPI at the point of sale, the Competition Commission has published an indicative timetable for it's implementation and other requirements http://www.competition-commission.or...tober_2010.pdf

[di30]

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

Hi folks

Will be back shortly to catch up lol.:tung:

[leclerc]

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

I posted this on MSE the other day....you could give it a go if you have a complaint with a bank
Hope you don't mind if I disect the post a little

Just found this about if a bank owes you money....
http://www.bbc.co.uk/dna/h2g2/alabaster/A850051

The Embarrasment Factor
If your complaint is against the local branch of some bank or building society there is a certain amount you can do locally. Bear in mind that a local branch manager is responsible for the performance of the branch, and local reputation has a large part to play in that.
That bit is true. Something called reputational risk, however, you have to have a reputation yourself within the community for this to really work or have a damn good story that the press would be interested in, ie disabled but given PPI in spite of not being eligible(the idea of being taken advantaged of).
The first thing to do is to try to get as high up the ladder as possible, as far as the branch manager; or at least the assistant manager.
On PPI related issues they still have very little authority to do diddly squat apart from getting someone else to investigate it or even pass it onto the same department as you would have gone to anyway to look into.

There's little point in dealing with the counter staff, who are probably just doing what they see as their job in refusing your request.
Cheeky gits!! Counter CAN be quite good
If you cannot get through to the big cheese, or if you do and it doesn't help, try and interest the local newspaper in the story. They may well contact the manager for an interview, and even if they don't get one it will send a strong message.
The branch manager can NEVER comment to the press and it would go through a media relations manager otherwise the branch manager could be sacked for doing so.
You could go into the branch at a time when there are lots of customers there and make a scene. Demand to see the manager. Demand your money back. Make a nuisance of yourself within the branch, within legal bounds of course.
Yeah, that doesn't necessarily work in relation to PPI but might with regards to bank charges and benefits.
Walk up and down the pavement outside, carrying a placard demanding justice. If you stand still you could be arrested for obstruction (this is the case in UK law) but if you keep moving it's quite legal (don't write anything libellous on the placard, though).

See above.

[pompeyfaith]

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

Listening to this and I must say Martin Lewis's points he is putting across is so true and totally agree with every word.

http://www.parliamentlive.tv/Main/Pl...meetingId=6713

I really argue everyone to listen to it, I also think the condem front bench should listen and take action too.

PF