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

[cappo]

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

Nothing surprises me Re: the FOS!

Why havn't you made the claim to Capone direct?

Or, have you, only to be fobbed off by Ms. Renshaw?

At the end of the day, if capone customers were not provided with full policies.
How on earth would they know about the ingeniously written limitation and exclusion clauses?

You couldn't make it up!

Yes mat:tinysmile_cry_t:e got the fingers up from capone already so thought i'd try the fos but i don't think anyone gets anywhere with them from what i can make of it.

[Angry Cat]

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

Hi cat this is what i've had with the cap one and fos, i have the ombudsman looking into it now, the adjudicator rejected my claim after telling me that they accepted that i had'nt had all the info provided to me, but they still rejected, my ppi was sold to me only 6 weeks before the fsa started regulating cap one,s insurance (ppi) arm the fos seem to protect cap 1 and i don't know why.

Nothing surprises me Re: the FOS!

Why havn't you made the claim to Capone direct?

Or, have you, only to be fobbed off by Ms. Renshaw?

At the end of the day, if capone customers were not provided with full policies.
How on earth would they know about the ingeniously written limitation and exclusion clauses?

You couldn't make it up!

[Leucareth1971]

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

RBS said they would ENDEVOUR to pay in 28 days

[Leucareth1971]

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

I am waiting also but was only informed of complaint upheld on 26/08/11. They told me 8 weeks once they have had confirmation that I "Agree" to redress being calculated.

FOS sent me a letter saying If I do not contact them they will assume I am happy after 14 days, and inform RBS. THEN the 8 week wait will start so potentially from 27/7/11 until first week of next for you Leucareth. Its a painful wait as I'm sure you know.

G

Hi Thanks for the info. They say that they have cancelled the two chqs that had been sent out (never received!) and I should receive the new ones within 10 days which is tomorrow

[cappo]

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

Non advised?
Many were not even provided with a full policy at the point of sale!

FSA fines Capital One for PPI sales failures

In several cases Capone have admitted (in writing) that only a summary of cover was provided; well before 2005/06.

Hi cat this is what i've had with the cap one and fos, i have the ombudsman looking into it now, the adjudicator rejected my claim after telling me that they accepted that i had'nt had all the info provided to me, but they still rejected, my ppi was sold to me only 6 weeks before the fsa started regulating cap one,s insurance (ppi) arm the fos seem to protect cap 1 and i don't know why.

[gazdarke]

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

Hi I've been waiting for my chqs from RBS since the middle of July, ringing them is a nightmare mostly they dont answer and when they do you feel as though you are banging your head against a brick wall.
I spoke to an advisor on the 10/8/11 he said 28 days from the 27/7/11 rang again on the 19/9/11 he said chqs had been sent out and I should of had them by now so he said he would cancel them and send out new ones.
I spoke to RBS this morning (after trying 3 times) they said they would get the payments dept to call me back in the next two days I said I wouldn't hold my breath as i have been told this before.
I have emailed RBS today mentioning the FSA & FOS where do I go from here?

I am waiting also but was only informed of complaint upheld on 26/08/11. They told me 8 weeks once they have had confirmation that I "Agree" to redress being calculated.

FOS sent me a letter saying If I do not contact them they will assume I am happy after 14 days, and inform RBS. THEN the 8 week wait will start so potentially from 27/7/11 until first week of next for you Leucareth. Its a painful wait as I'm sure you know.

G

[Angry Cat]

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

...a lot of us on here and on other forums have a lot of trouble getting a claim upheld as the cards and ppi is mostly packaged as a non advised sale.

Non advised?
Many were not even provided with a full policy at the point of sale!

FSA fines Capital One for PPI sales failures

In several cases Capone have admitted (in writing) that only a summary of cover was provided; well before 2005/06.

[SpringerSpaniel]

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

Write to them stating that if the payment is not received by you within the next 7 days, you will be issuing proceedings in the County Court to enforce the decision made in your favour by the FOS.

That should get some action out of them - and hopefully some money !

[Leucareth1971]

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

Hi I've been waiting for my chqs from RBS since the middle of July, ringing them is a nightmare mostly they dont answer and when they do you feel as though you are banging your head against a brick wall.
I spoke to an advisor on the 10/8/11 he said 28 days from the 27/7/11 rang again on the 19/9/11 he said chqs had been sent out and I should of had them by now so he said he would cancel them and send out new ones.
I spoke to RBS this morning (after trying 3 times) they said they would get the payments dept to call me back in the next two days I said I wouldn't hold my breath as i have been told this before.
I have emailed RBS today mentioning the FSA & FOS where do I go from here?

[SpringerSpaniel]

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

I didn't do CapOne as I did other forms of Insurance and not PPI.

[cappo]

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

I have in the past worked for the FOS as an adjudicator, they are totally swamped and have a backlog going back almost a year most of the time.

Hi springer how did you get on with cap 1 cases as an adjudicator a lot of us on here and on other forums have a lot of trouble getting a claim upheld as the cards and ppi is mostly packaged as a non advised sale.

[SpringerSpaniel]

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

I have in the past worked for the FOS as an adjudicator, they are totally swamped and have a backlog going back almost a year most of the time.

[EXC]

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

where are all the offers from FOS ? they certainly havent cleared the backlog as quickly as the banks have for the claims held up by the judicial review!

they are going slower than ever , attempt to put cmc's out of business perhaps?

This is a complete stab in the dark but could it be that they have become completely overwhelmed with shed loads of complaints from CMCs taking advantage of the free service they offer?

[MBD23]

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

where are all the offers from FOS ? they certainly havent cleared the backlog as quickly as the banks have for the claims held up by the judicial review!

they are going slower than ever , attempt to put cmc's out of business perhaps?

[wannabedebtfreesoon]

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

It hasn't been handed down yet and won't be until at least early October - the Court of Appeal judicial term starts 3 October.

Would you mind telling us a bit about your case?

Thanks for that info, I didn't think about their Summer Leave being a factor! Early October is good for me :-)

My case encompassed 4 main causes of action:

1. Trespass
2. Contravention of Section 92 of the CCA
3. Breach of Statutory Duty
4. Unfair Relationship

In a nutshell I made a claim that T'other side repossessed my car from private property without a court order, trespassed, missold PPI and paid a secret commission to a broker.
They denied everything and I lost at trial because the judge allowed them to argue a defence contrary to the one they submitted, ignored all my evidence and ignored the law as well to an extent!

I appealed to High Court and the Lord Justice allowed my appeal, giving judgment that they did contravene S.92, breach their Statutory Duty, trespass and pay a secret commission, (he used the Hurstanger case and employed the principle of Equitable Duty).

At first they had denied paying any commission and even went as far to say that my allegations were tantamount to fraud should they be true, but then they decided to come to trial, admit it and make up some random figure to show that the amount paid was so small it was non-causal! Needless to say they had no evidence to substantiate their claims and tried to rely on the Harrison case to argue causation as a defence. It was allowed at trial but then vehemently overturned by the High Court.

At present they are attempting to tell me that we now need to go back to County Court where we will argue the same points as were heard in High Court and a lower judge will overturn the High Court's Judgment! Oh and not to mention that they want to go through Standard Disclosure again; irrespective of the fact if they had documents relating to my claim they should've been submitted before trial and not after appeal!

Anyhow, I plod along regardless...