Why do you need a solicitor? I have claimed back PPi from 5 financial firms with only the help of my good friends here on CAG. By so doing, I ensured that all the refunds I received remained MINE!!! You may very well want to do the same or mebbe it's a bit too late for that. Good luck anyway.

You're forgiven!!! Good luck as well!!!

Hi di0430 I do hear what you are saying about HSBC wanting or having closed Endeavour, but as far as I am concerned I am not looking for Endeavour to provide me with a Loan, but rather for redress for mos-sold PPI. So wrapping up Endeavour to me is irrevelant now, as mis-selling for me was done in 2003. That's just how I see it!!!

You cannot ask MBNA to knock anything off the Credit Card as they no longer hold the debt. What you will need to do is to claim your PPI and also the charges from MBNA and then you can use that to offer the DCA a payment that you are going to pay in full and final settlement for the debt as they did not pay MBNA all the money for the debt (I think I read it somewhere that they pay something as low as 15 or 20%). Hope this helps.

Thanks you guys, I really did not look at things in that way..... If indeed we got these Loans from the brokers, how come they were not involved with calculating the rebates? Ha Ha..... I am awaiting Endeavours reply to a letter sent last Friday....I will hit them with this next. Thanks again

Hi di430, I did receive a S.A.R. Endeavour have been trying to pass this off as the responsibility of the Broner, but I amd not having any of it. Ihave sent them a letter last week telling them that I did not take a Loan from the broker which was the Black and White Company. I intend to take this to court if I have to. Keep pressuring them. I will let you know how I get on. Demy

Well done BB23 HSBC was one of the more easier financial institutions that have refunded PPI to me!!! They are ok for something I guess!!!

I parked on what I thought was a single yellow line (one of the line is absolutely and completely faded), for 5 minutes to pop into a Lawyers office. As I was going in I saw a Police car on the opposite side of the street about two car lengths away. There were roughly about 6 other cars already parked when I pulled up, insomuch that I had to reverse back between two cars. None of the other cars had any tickets on, so I thought that it was ok to park, which I did. When I came out, there was a Ticket on my car stating that on 27/07/08 from 1550 to 1555 hours. I intend to contest the ticket on 2 grounds: 1. The yellow lines were and still are faded, and 2. None of the other cars that were parked received a ticket.

They have offered the following : refund of premiums £566.39 refund of 13.9% £333.41 interest at 8% £273.37 total £1173.17 I have had an offer much the same as yours KaneCole, however my argument is the fact that Halifax has chosen to totally forget the actual PPI, with no mention of refunding any of that. All they have offered me is the actual premiums that I have paid to date, plus interest etc. I do not think that this is right as all the other banks that I have had refunds from have all given back the PPI and not just the premiums. I also asked HBOS to send me a breakdown of what part of the monies htat I was paying monthly was repayment of the Loan, and what part was repayment of the PPI. This was their reply, 'the information that was sent by HBOS did not breakdown what part of the loan was repayment of the insurance as this is unlawful under FSA rules'. IS THEIR ANY TRUTH IN THIS? I am writing a letter to them as I still intend to refer their handling of this to the Ombudsman - as I do not think what thedy are doing is legal, but they have realised that people are willing to take what little they offer and not challenge them (credit crunch and everything else), but I fully intend to take it further. Can any legal eagle or sparrow tell me if this thing about the FSA is true? Thanks

Any help appreciated, please!!! I have written to Lloyds requesting Credit Card charges back and have received 2 standard letters saying these charges are fair......blah, blah, blah. I am now ready to take it to the next level of submitting a claim. My question however regards the N1 Form, and the way in which it should be completed. I would also like to get some advice on the Cardholder Protection that was levied on the Card. Can I combine the Charges and the Payment Protection in the Claim? My gut feeling is that I should do them separately. Any help is more than welcome. Thanks

Holps!!!pe this he

Thanks Alanalana, I get what you are saying about keeping the Broker in the know to makie them aware of what Endeavour's up to!!! thanks for that!!!

Endeavour Personal Finance have replied asking me to contact the Broker to take my cloam further - they even had the audacity to supply the Brokers name and address - talk about being helpful!!!

Should'nt one of the question that is being asked here be that of 'What is the role of the Broker?' The way I see it is as if my bags at the airport are damaged, I should not seek redress from British Airways but rather from the 'bag handler' who put my bag on the luggage lorry!!!! I think not!!! I am having the same issues with Endeavour, in that they are trying to point me in the direction of the Broker that I went through to get my Loan, but I am not having any of it.......so watch this space!!!

Hi Feebs, I successfully reclaimed my PPI from Firstplus and did get the PPI returned onto the Loan (which in efect reduced the balance on the loan). I also got the Premiums I had paid to date refunded directly back to me while also receiving the portion of the PPI that I had paid to date paid directly to me by cheque with interest. And yes I did get a substantial reduction in my mnthly payment. I DO STILL HAVE MY LOAN WITH FIRSTPLUS!!!! Hope this helps.

Hi Feud, You should not be accepting this payment from Firstplus under any circumstances, as they are seeing your desperation and CAPITALISING on it - which is so unfair!!! Without knowing all the details of the Loan - I would say that you need to be asking for the whole of the Loan insurance plus the interest, plus the premiums you have paid for the 2 or 3 years (however long you have had the loan for). Along with this, you should be asking for the interest on the full figure of these amounts. The fact that you still have the Loan active with Fistplus should work well in your favour, as it did for me. Hope this helps.

Hi Braveheart, I have indeed received a 0.5% interest rate increase which will be applied 21/05/08. And as far as waiting is concerned, Firstplus have already settled my claim. You need to go ahead and send your letter claiming mis-selling. Good luck.

To answer 'Hell' first, I am progressing one with Endeavour which is a subsidiary of HSBC, so that one should be a 'piece of cake'. I had my original Credit Agreement so I did not need to do a SAR. Once I sent the letter requesting the PPI back, they acknowledged the letter and after the first 8 weeks asked for a further 4 weeks to finalise their investigations, which I granted....and then last Friday got the letter. I think I originally started this in February 2008 - so not a bad 3 months worth of work. Let's keep fighting for our rights!!!!

Hello All, Good news again!!!! I have received an Offer letter from HSBC for PPI totalling £9,921.80 to be paid into an account of my choice as I no longer have an account with them. Victory again........to those who are contemplating commencing their process, don't be deterred....Let's all keep up the fight. Hey HellHasNoFury......thanks for all of your help... it was so invaluable.

Thanks Hell, I was trying to do a MCOL for some credit card charges with Lloyds, however it kept saying that there was an error, now I am thinking that maybe it was for that reason. Thanks for that. I will go and find this N1 and try to decipher what it all means. Tomorrow is rally the cut off date for Lloyds so I will get one to this. Thanks for your help.

Sent S.A.R. off to Endeavour, they replied by asking me for everything but how long was my mother's labour. Nothing that I am not able to come up with in their request though. I will be sending off their last request of a utility bill for them tomorrow, and will sit back and await my share of the 'Brazilian rainforest'. Wish me luck folks, as this is done in conjunction with 'HSBC' who have written to request a further 4-weeks to complete their investigations!!! Bring it On!!!!!!!

I do think that you have hit the nail closest to the head BBM as everyone on here needs to understand that fostering is not an exact science, with some foster children that can prove to be really difficult, while a Carer can get placements that are as good as gold (although this is quite rare). As a Foster Carers I came into this role not knowing as much as I do now, however I would do it all over again to get a lovely bouquet of flowers on Mothers day from my 18 year old foster daughter who still calls me Mom and calls me in the middle of the night even now when she is scared. I do however have to agree with Phatram as regards issues such as sick pay etc. One of the issues that foster carers have to think about a lot is that of allegations. If in my previous job an allegation was made against me, my boss would have to provide me with a salary while I was being investigated - in fostering, this does not apply, as an allegation made by a child means sudden and total loss of salary for a foster carer till you are cleared, however long that takes. All I am trying to say here, is that there is more to fostering than the 'huge' amounts of money that foster carers are thought to receive, so please step back a bit and think about what is being written, as 'foster caring' is definitely not a job - as I said before 'IT IS A CALLING'!!!

Thank you Adamna, the sign was very high, however I have in the past challenged and won a PCN based on the fact that other vehicles that were parked in the immediate vicinity around my car had no ticket while mine had, so that is part of the angle I want to take.

Hello All, Thanks for all your advice!!! I have had the PPI repaid on the Loan with interest and have recieved a cheque from Firstplus for £2091.03 for premiums paid to date. I would like to know how to update my Account with my 'Successes' to date. Thanks Hell....really appreciate your help! LOL

Thanks for the help Hell!!! Am indeed aware that HFC and Endeavour (already SAR requested), have been fined. HSBC have written to me 11/4/08 asking for a further 4 weeks to finalise their investigation. Do you think I should grant them that? Thanks for your moral support!!!