Andybars
Registered UsersChange your profile picture
-
Posts
218 -
Joined
-
Last visited
-
Days Won
2
Andybars last won the day on August 12 2014
Andybars had the most liked content!
Reputation
101 Excellent-
In order for a payment to reset the SB clock, it needs to have been made by you or, on your behalf with your authority to do so. Given that you have neither made the payment nor were the accountants acting for you at that time, it is my own view that this payment would not restart the clock. Do you have any written confirmation that the accountants ceased to act for you in 2008, this would certainly help the case I would suggest a brief letter to the DCA advising that the account is statute barred as you did not pay or authorise the 2012 payment, asking them to provide evidence that you authorised the 2012 payment from HMRC via the accountants if they disagree
-
Tracking down Lombard Direct
Andybars replied to danfin's topic in Payment Protection Insurance (PPI)
Lombard Direct cases are dealt with by RBS - PPI Customer concerns team, Retail Products, 5th Floor, 1 Hardman Boulevard, Manchester, M3 3AQ Tel : 0800 015 0319 Although Paragon deal with outsourced loan administration , RBS will deal with complaints regarding the initial sale. Also if it was paid off in 2011 - get hold of your credit report which should still show the account and use the details on there as proof of the account. It should provide amount, start and end dates and payment history which should be sufficient for RBS to locate without an account number -
Payday Express Problem
Andybars replied to Ftgab19's topic in Payday Express/Wage advance/Cashtillpayday
Most lenders will send a generic holding letter after 4 weeks so don't be concerned about receiving this. However, your right to approach the Financial Ombudsman starts 8 weeks after complaining and this will be unaffected by any alternate dates that they might suggest. -
In terms of "set off" - this payment is going to the same account that the arrears balance is on so the lender is entitled to do this automatically If on the other hand RBS were to pay the redress to another account with the bank (for example a loan with an arrears balance), my understanding is that this would need to be shown in the T&C's (and usually, but not always, is)
-
Old RBS Advanta Card ***RESULT***
Andybars replied to maroondevo52's topic in Payment Protection Insurance (PPI)
That's excellent news - good luck with NRAM and Citi -
Lloyds PPI reclaiming. . . Where to start ?
Andybars replied to mooshy's topic in Payment Protection Insurance (PPI)
This certainly sounds like good news - well done. The two things I would check are firstly; Do the figures match what you expected / calculated ? Secondly - does the letter state that payment will be made to you by cheque or is there a possibility that Lloyds will try and offset against the sold-on credit card ? If you are happy with both answers I would be minded to accept -
Old RBS Advanta Card ***RESULT***
Andybars replied to maroondevo52's topic in Payment Protection Insurance (PPI)
I am aware of at least one occasion where this happened in 2011 - when the cheques bounced recipients were told that they had not been signed by the correct signatories - this was given as the reason for the Bank's refusal to honour the cheques when they were presented. In the cases I am aware of, replacements were issued relatively quickly by a somewhat embarrassed RBS and the subsequent cheques were able to be cashed without further incident. -
Old RBS Advanta Card ***RESULT***
Andybars replied to maroondevo52's topic in Payment Protection Insurance (PPI)
It wouldn't be the first time one of their PPI redress cheques had bounced - so wait for it to clear before you consider it a victory ! -
Hi, I would await the decision in the post next week. But just to be clear, Go Debt don't serve a CCJ - if they go ahead with court action they will issue a claim. In order for that claim to become a CCJ, you either have to not respond to the claim within the specific timescale or you would have to go to court and lose. Given the issues in this case, if I were Go Debt, I wouldn't want the case being looked at by a judge. If they do however issue papers, come back on here as soon as you receive them and somebody familiar with the court process will be able to assist
-
RBS PPI phone number is 0800 015 0319 - they will be able to look into it for you
-
It is not uncommon for the payments to be later than promised but I would definitely give them a chase to find out what's going on.
-
Lloyds PPI reclaiming. . . Where to start ?
Andybars replied to mooshy's topic in Payment Protection Insurance (PPI)
Given previous experience with Lloyds, I wouldn't put it past them to defend the case even though you ticked no ppi ! Let us know how you get on and come back if you need any help -
Lloyds PPI reclaiming. . . Where to start ?
Andybars replied to mooshy's topic in Payment Protection Insurance (PPI)
It is unclear whether you mean will this affect a claim under the policy or a PPI refund claim. If you had a pre-existing medical condition it is likely that Lloyds would pay any potential claim under the policy. Because they would probably exclude a claim for this condition, this would strengthen your mis-selling complaint. I would always advise that you answer all the questions as truthfully as possible providing as much information as you can. If you genuinely don't know / cant remember the answer to a question then put this on the form. As IMS says, don't worry about any arbitrary timescale set by Lloyds for returning the form - although the sooner you complete it, the sooner they will look at the complaint -
Under the FCA redress guidance the lender should automatically include any overlimit fees that were a result of the PPI as part of the calculation (i.e if you were overlimit by less than the amount of the PPI included in the balance these fees should be refunded). Some lenders are better than others at doing this without asking - RBS tend to be among the better ones on this particular issue.
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS
The Consumer Action Group
- Create New...