Also, i would like to ask for a little advise. On receipt of the proposed court action from solicitor, i informed them of the account being in dispute but they have replied that i will get my chance to defend in court. I thought if acc was in dispute that dispute would have to be settled to continue court action. i have prepared my solicitor to defend, but any help would be grateful.

quick update: letter before action received threatening court action, for remaining balance. then, writ of summons has arrived.

contacted finance company, and ppi will be cancelled

if it is a monthly ppi, you hould be able to cancel and not lose out alot unlike single ppi unlike my single ppi policy http://www.consumeractiongroup.co.uk/forum/ppi/103517-car-finance-ppi.html

hi, all the info you need on on the forum. There are template letters to send. Dont rush in, take a good read or you will make mistakes

should be today or tomorrow that the finance is paid out, then can cancel the ppi. the agreement didnt have two separate agreements, ie one for finance and one for ppi. will keep you informed on how it goes

after a couple months of continious phone calls, they have eventually died down about time

though i would just update this thread. The balance has been settled on my credit file, leaving a balance of nil

i forgot to mention, the finance is from a broker, who are using a finance company. i have 14 days from the date the agreement was signed?, not from when it is set up ie paid out? do i cancel with the broker or the finance company? want to get everything ready for the the day the finance is approved. Courtesy of reidnet Single Premium Policy (these are the biggest rip off ones) These policies are Paid for in full to the insurance company at the start of the policy. Most loan Companies will finance the full cost of the policy by adding the cost onto your loan. What they do not tell you is that you will also be paying interest on that amount at the loan interest rate for the full term of the loan this is what this policy is

thanks for the response, i believe if the insurace is cancelled within 14 days i get a rebate, ie maybe less than half. Not 100% sure, anyone know for sure

hi, at present i am setting up finance with a finance company (accepts adverse credit), who went through the docs with me. I need the finance to get the car and no other will offer it. Going through the doc's the rep said just sign here, here and here. but when i seen insurance was added, i asked ' is that ppi, he replied 'yes', i asked if i had to take it, he replied, 'yes' , its part and parcel of the agreement the discussion was in a closed room, with two agents, as the car sales man didnt enter. any comments on this topic or advise on ways to handle this. Constructive critizism welcome

Re: Harassment by telephone Dear Sirs I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company will be recorded. COPY OF LETTER SENT TO DCA

I have been contacted by a dca, who i have asked to stop calling, additionally i have sent the template letter on this site. I have recently, told them , to stop calling and to write me a letter, they say, they will continue calling. I have contacted ofcom, who say there is nothing they can do. Is this correct? anyone in similar position?

btw they have offered part settlement, everyting but the arrs admin fee

Final response received from Mortgage Express. As follows: Dear ******* Thank you for letter of ******** acknowledged by my colleague. I have completed my investigation. we believe our charges are reasonable and comply with the legislation in this area. We are however aware of concerns expressed by OFT and within the industry generally. We're currently undertaking review of our charges to ensure they are still appropriate taking into account various cost reduction exercises we've completed over the last few years. Because we have not yet completed our reviews of the first two types of charges (telegraphic transfer fee, unpaid dd) i am willing to waive these in full as a gesture of goodwill. turning to the matter of the ARREARS ADMIN FEEs, i regret to tell you that i cant agree to your request to refund them. These fees are a reasonable reflection of our additional administration costs of supervising your account while in arrears. This administrtion includes contacting you by telephone and letter, considering, agreeing and monitoring arrangements for payment by payment by installments, writing default letters and preparing instructions for debt counsellors and enquiry agents. in addition to this there is the lost revenue to ourselves from not having the missing installments available to us for further lending or to be on deposit and the subsequent interest that could be earned. We're hope your happy, blah blah yours sincerely john henson cust relations

After succesfully claiming my charges of Mortgage Express, my friend has sent prelim to claim the charges back. Prelim was sent, and letter of acknowledgement was received from Mortgage Express.

nco europe / nco financial services Kirsty Moffat Collections Manager NCO Europe Ltd, 3 The Green, Dog Kennel Lane , Shirley , B90 4LA Tel: 0121 210 1520 Mob: 07917 385 775 kmoffat@ncogroup.co.uk

Have sent a letter by email, for them to stop harrassing me, but the calls continue. does anyone know how to complain though the ofcom thanks

i have been bombarded by nco who are a dca. constantly, who are rude and very annoying. these are the contact details in case you need to email them Kirsty Moffat Collections Manager NCO Europe Ltd, 3 The Green, Dog Kennel Lane , Shirley , B90 4LA Tel: 0121 210 1520 Mob: 07917 385 775 kmoffat@ncogroup.co.uk

very sorry to hear

hey maroonfox, is there an update on this. did you have your court date on the 6th jan

Supermanx Same Problem

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=6 take a look here

what is on the advisory note. when they produce an advisory note, they do not charge a retest fee?

27 december 2006- final response contents: aware of oft and fsa reports. consider erc to be entirely separate matter to default charges. erc is set out in mortgage offer, charge has not been amended during term of contract. You have quoted case of ' Dunlop pneumatic tyre compant limited v new garage and motor co limited'. - If you have considered that case, you will understand that a penalty is therefore the sum of money payable to a contractual term which the parties have agreed shall be paid in the event of a breach by the contract breaker.A distinction is drawn between a sum of money classified as a penalty and unenforceable on the one hand and liquidated damages which are enforceable on the other. Mentions terms and conditions Our legal dept have advised me that in the past we have had a number of cases before county courts in relation to the interpretation of erc and in all cases agreed the charge is reasonable and recoverable as long as it is set out clearly in t+c's to offer our costomers preferential interest rates, we have to purchase funds from money markets at considerable costs to ourselves. In setting the the payment rate for the mortgage we will take into account- loss of revenue from those mortgages during period the group has to borrow the money itself and it is the mechanism that determines the erc.- it is therefore directly linked to the loss suffered. having regard to all the above, it is the groups policy to vigorously defend any claim for erc. You can refer to financial ombudsman. customer relations officer Not encluded with letter- breakdown of charges lba then court