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

[dogtired]

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

Great news Dogtired, well done.

Thank you Di!
Note to those getting frustrated at the call center at M and S went into local HSBC and asked if they had another number he gave me one but they gave me another it was still on hold with "Avengers" music but its FREE phone number
0800 363 454

[di30]

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

Great news Dogtired, well done.

[EXC]

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

Another day another defeat in court.

Although the judge thankfully dismissed HSBC's application for costs, the hearing alone cost the claimant £300 in court fees - not to mention the stress and anxiety expended.

As the post alludes to the claimant was blindly encouraged to go to court throughout the thread. He clearly didn't know what he was doing and, sadly, neither did those who advised him.

Had the hearing today at court. they turned up with a solicitor, counsel and witnesses. should have started at 10am but ended up 11.40 before we went in.
for 2 hours it was mainly the their argument for striking out due to limitations act, then it went on to my witness statement and them asking me questions and catching me out with diffeneces on what I said in POCs/ witness statement and the evidence. I had used certain items in my POCs which got kicked out staright away like FSA handbook and consumer credit act, so ended up just being a misrepresentaion case. I had relied on clauses from other POCs which I didn't really understand, and they blew them appart.

Then the judge called lunch for 1 hour. On return the judge said that she had been reading everything again, and ruled against me due to lack of evidence for a misrepresentation case. they tried to claim their costs by saying I had acted unreasonable by bringing the claim against them, but she ruled against that.

so that is than, lost, but no (further) costs.

I would advise anyone thinking of going the court route, to think carfully and be 100% sure that you have a good case. Mine in hindsight was weak. I kept going think (dut to others on here) thinking they they would settle before the hearing, and it would cost them too much to defend etc, but as is now been proved they have unlimited resources, and they are not bothered about what it costs them. They will fight you all they way. Maybe this is just HSBC as MBNA paid me out before court.

HSBC Loan PPI - Page 9

[cappo]

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

Several developments!
M and S tell me one is on its way for just over £2000 and the others are now being "investigated"
Barclay's have written again and are now saying mid august
had three "cold" calls from CM Cs which i have either ignored or asked politely what the "cut" they got was!
Bank of Scotland, still no answers from them so no idea, written again so we will wait and see!
keep it up everyone!:beagle:
xx DT

Nice one DT, nice things are finally coming together.

[dogtired]

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

Several developments!
M and S tell me one is on its way for just over £2000 and the others are now being "investigated"
Barclay's have written again and are now saying mid august
had three "cold" calls from CM Cs which i have either ignored or asked politely what the "cut" they got was!
Bank of Scotland, still no answers from them so no idea, written again so we will wait and see!
keep it up everyone!:beagle:
xx DT

[leclerc]

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

One feels that it will be a long time after August that these firms get their systems up and running, in order to investigate fully.

How long will it take, for the firms who were not given the FSA extension to contact their former known PPI complainants?

Without extension they have 8 weeks which is the standard timescale. Is there a reason for the question because by definition if they don't have an extension to the complaint handling timescales then the standard 8 weeks remains.

EDIT: my understanding is that most banks are looking to get the PPI complaints timescale back to 8 weeks by January 2012.

[mosten]

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

Fairly quiet on here re getting more offers... Seems lot of lloydstsb letters saying we will get back to you by 31st august from what im reading on some sites thou...

Would love to know if they gonna pay out "no quibble".. that would be sweet

[cappo]

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

when i used that email address things GOT SORTED pretty darn quick

Another new avatar d.s,nice pose from darth there

[Angry Cat]

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

....they have until the end of August to investigate. They are in a mess and I've heard that even their own staff are worried as to whether they will complete the task within that timescale.

One feels that it will be a long time after August that these firms get their systems up and running, in order to investigate fully.

How long will it take, for the firms who were not given the FSA extension to contact their former known PPI complainants?

[SoapyBubbles]

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

Can you place a loan account 'in dispute' whilst there is a pending PPI complaint on the account?

If so what does it entail and what could be the consequences?

[The_Big_Dog]

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

On the subject of CMC's - I've had a good read of a few threads on here, and the behaviour of some of them is disturbing too say the least, and it would appear that they aren't following Approved Person's Code of Conduct Rules.

The cold calls seem to be unrelenting at the moment - I had 4 on Friday to my office telephone!!!!!!!

What doesn't sit comfortably with me is the upfront fees being charged. They are allowed to do this under MoJ Rules as long as it's declared to the client, but, to me, what we offer is a results based service. I work on a true no win no fee agreement - if I don't win, then my client owes me nothing - I think that's the fairest way to operate.

If you do the job properly in the first place, ask the right questions, and find out the true story from the client (and if you know what you're doing), then you should know your probabilities of winning the claim. If you've got a good chance - why the need for the upfront fee?

TBD.

[The_Big_Dog]

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

The settlements which so far has been offered has anyone checked that they are correct and whether that includes interest?

My guess is if they dont say it is a gesture of goodwill then it is not and it should be a full settlement completely reimbursing for what has been paid including interest, the fact that they have not wasted time in checking if it was mis-sold or not, that would have taken too many man hours..

The ones I've seen - the calcs are spot on. I always check them because I wouldn't put it past the lender to try and pull a fast one. I do see a fair few that are incorrect - the lenders usually have got a ready made excuse 'sorry - admin error' - yeah right!

TBD.

[Turboman]

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

Yep Flossie--As Mosten says--the key is what was your first credit (£7,500 or less)

BTW Using Pine Grove Software -Loan Calculator Plus ---I get 20.5%----but as Mosten says---it don't help you knowing it anyway

Original loan amount £7802.46
Total amount payable £12,008.54
Monthly repayments were for £200.15 for 60 months, final payment made 24th August 2004.



Can you remember or could you find out, how much you actually got put into your bank to spend..

It looks to me like if you had say 6500 into your account to spend then a single premium of 1302.46 which would have been added on top would give the figure of original loan amount which you have..

They lend you the money to cover both things upfront, 6500 to you, 1302.46 would have been sent to the insurance company...

If you remember getting over 7500 to spend then it would make me believe you didnt have the PPI on loan.. Knowing the interest isn't really gonna tell you anything

I got the interest rate from working backwards to 18.48% roughly by the way...

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

Broken everyday I am afraid and the MOJ do nothing.

When I complained a couple of years ago to the MOJ about a certain CMC that had called me on my ex directory telephone number the MOJ were not the slightest bit interested in my complaint and about how they got my number. The fact in my case I never give that number out - their response was to go to the TPS. In fact the MOJ said I could have ticked at some point the box for advertising material. As I am always careful on that score I firmly belived that on this occasion the CMC had got my telephone from stolen data wich had been reported to the police from a loan company who was a subsiduary connected to MBNA. Nothing was done at all by the MOJ and this CMC continues to cold call and what is even worse they take upfront fees which is also againt their MOJ guidelines.

Honestly, that is what happened and thats why the CMC's get away with it.

My understanding is that CMC's are not allowed to cold call, is this not correct?
------------------------------- merged -------------------------------
https://www.claimsregulation.gov.uk/...ust%202010.pdf

These are the rules.

[leclerc]

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

My understanding is that CMC's are not allowed to cold call, is this not correct?
------------------------------- merged -------------------------------
https://www.claimsregulation.gov.uk/...ust%202010.pdf

These are the rules.