It was just life ins it was payment protection as wells

I actually would have easily coved the mortgage had I died . we both have about a million in insurance as with 4 dc we have always made sure their guardians would have enough money to buy a bigger house etc. we were missile it because I was to D I had no choice if I wanted a mortgage and as we had a CCJ at the time I agreed to anything .

No I was reading through the contract a few months ago and noticed it then so I should have read it all but it was a huge book BTW is there any claim for a mortgage endowment but from 20 years ago ! I can't believe this actually happened to me looking back, but we had mortgage with RBS and endowment. we got behind with mortgage and went to see bank. we did everything we could but were literally unable to afford food seriously benefits weren't really an option 20 years ago and we were in a right pickle. Mortgage was 12per cent. wait for this. Bang on door at 8 pm one night and I mean BANG. it's only someone from RBS with a lady wanting to know why we hadn't paid the mortgage again that month ! he came in I remember being really frightened as husband was out and I was due to go on a night shift and would be late . he told me I HAD to sell my endowment to help towards the arrears . I did this and got very little and we lost the house anyway. it wasn't reposses. we asked for the keys and promised we'd never see him again and the debt would be settled. AS IF ! I was only 20 and did what I was told. have no proof or anything but would love to find out who he was and if it was legal. can you imagine your bank manager calling now at 8 pm ! totally wrong place to put this but it makes me seethe when I think back.x

PPi claim. I paid 60 per month ! Life ins Inc mort protection ect when we took out our mortgage 7 years ago and we really couldn't afford it but were told we had to to have a mortgage ! Noticed later the chap who sold it to us got an upfront payment of over 1200 and a further percentage for the life of the plan. Stopped paying it a few years ago but still have the agreement in the loft I think. I think we took it out about July 2005 and paid it for about 3 years.. my Lloyds cc was similar and the account is with a dcs at present. We got charged silly amounts because when my husband lost his job the PPI would come out taking us over the limit so then every month we'd get charged silly fees because of this. We asked them to stop the PPI but the refused so I just stopped all payments on the end. Haven't made a payment for about 3 years and owe approx 1050.

Thanks . I ,ll start with SAR but is there some sort of time limit ?

I never got anywhere with this and the courts ruled in favour of the banks if I remember rightly. lloyd issued me with a default in feb 2008 despite the account being in arrears . Could I potentially get this removed and would I still stand any chance of reclaiming these charges. I regularly get letters from a DCA called DLC and am thinking maybe the account is coming up to being SB and maybe even if not I could claim something back or get the default removed ? X

hello everyone. Please could someone tell me where is the best place to start on here for advice on PPI claims as it's a minefield. I had a great success last year thanks to this forum having a claim struck out of court. Now I would like to look into the possibility of claiming PPI on a lloyds credit card debt and maybe mortgage payment protection but wondered if there is a step by step link on here at all . I'll get there in the end it will just take me a while ! TIA x

Sorry but can someone tell me what f and f stands for please ?

Bump

Thank you caro . X thank you for your time and your advise x

thank you Elsa. just didn't want a CCJ didn't expect such a bonus in the process ! X

Thank you Andy ! and thank you for your help x

Morning all. A notice of discontinuance from the claimant just sitting at the breakfast table with me ! How nice is that !!! X

In 2004 i was sold mortgage life insurance . The policy was a 25 yr policy on a 91,000 mortgage with extra such as critical and terminal illness. The premiums were 57.18 a month-never to increase. I noted that the financial adviser got paid 1,206.37 immediately, and then 1.49 a month from month 49 until premiums stopped. We really couldnt afford this at the time , but managed to pay it for about 3 years i think before cancelling it as i got full sick pay in my job anyway. keep seeing misold ppi ads everywhere and havent a clue if this even counts ? Am i on the wrong path here ? x

ok got that but the judge may not strike out is what I mean . am hoping he will but he / may not and if not what other options would he have if order to comply was ignored ?

thanks all.Well it's gone this morning . hopefully claim will be struck out. what else might the judge decide ? maybe to stay procedings ? you just never know ?

Would this one from the sticky thread suffice ?? In the xxxxxxx county court Claim no Between XXXXXXXXx –V- XXXXXXXXx For the Attention of the Case manager Dear Sir. Further to the order made by District Judge XXXXXXXX sitting at the XXXXXXX County Court on XX (MONTH) 2008 I note that the claimant has now failed to submit ***any documents**** supporting their case despite being ordered to do so. The claimant has had every opportunity to file such documentation and the size of the organisation, it is not unreasonable for them to have filed such documentation on time at the first opportunity, they have since been given a second chance to file documents by order of District Judge xxxxxxx and they appear to have ignored the Honourable Judges orders and have failed to comply as directed The result of this failure is that I am unable to file a fully particularised defence to the claimants claim as directed by the Honourable Judge xxxxxxx as without the documentation which the claimant relies upon, I am unable to answer their allegations as set out in their particulars and I am placed at a severe disadvantage, as I am a Litigant in person Therefore, I would request that the pursuant to CPR part 3.4, 2 © that the claim is struck out without further order If this is not acceptable, then please refer this letter and the file to District Judge xxxxxxxxx to highlight XXXXXXX’s non-compliance with the orders dated xx xxx 2008 and for further directions to be issued. Signed……………………………. (Defendant) Date …………………………….

Ok the documents havent arrived. I`d like to write the letter today ready for posting tomorrow? No idea how formal or informal to make it-am i asking for a strike out outright or telling the court the claimant hasnt complied with the judges order in the hope that the judge actually strikes it out of own accord ? Any advice appreciated x

Yes Elsa i see what you mean-but if it gets sruck out surely i`ll still have to pay the debt ?

i just had similar-I put in a N244 -it cost me 45.00 but the judge made an order that they had to comply with my request for documentation with 7 days-thats up tomorrow and then i just apply to have the claim struck out . You cant defend without the documentation, and if they cant come up with the documentation they cant officially prove you owe the money. Hopefully someone will be along shortly . . , If you do an n244 i can help you with that.

Not very good at this sorry so hopefully someone more knowledgable will come along. From briefly reading it if one of the options in red is not met you are open to a CCj by default. Have you done a CPR 31.14 formally requesting the documents you need to defend your claim ?

Ok i spoke to the court and they say that if i`ve not heard by Monday to write to the court stating that the order was not met . They said they will put it infront of the DJ who will prob strike it out at no further cost to me. The 7 days is from the 14th even tho the order was made on the 12th ?? Anyway i`ll draft a letter tomorrow and post it after end of business or first thing Sat then fingers crossed for a strike out . Thanks both-yes i`ll def fill out a PPi if i can reduce tthe debt even better x

I know-well pleased today ! So if i am successful and the claim is struck out could they start the whole thing all over again with ANOTHER ccj ? Could i potentially turn this around and actually somehow claim back misold PPi which i`m sure i had ? They still havent come up ith CPR though so i dont even know when the last payment was made or have any history ? x

Thanks for your reply Caro. I think the 7 days are up. the date on top of letter is 12 and date of issue of order is 14 which at the latest would be 21 st or Fri ? thanks again.