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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

affirmation

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Everything posted by affirmation

  1. affirmation
    we bought a new property earlier in the year (Halifax mortgage) and Took a new buy to let mortgage ( Birmingham and midshires) on our original property. The transactions were to complete on the 16th March but thanks to the pace of solicitors work didn't actually complete until the 4th April. The first payment to Halifax was supposed to be £830 as per our offer. But when first payment was taken it was actually £990! I called Halifax who said it was because I completed some 2 weeks later than expected. I explained regardless to that fact, I hadn't received any money from them until actual completion so they have effectively charged interest for a period that I hadn't borrowed the money! The guy I spoke agreed and spoke to a manager who disagreed and said a letter would be sent explaining it. No such letter has been received. My mortgage broker says its crap, my solicitor said its crap and I think it must be too. B & m didn't make any extra charges, the first payment was as expected. Best way forward?
  2. affirmation
    Well despite me having "no idea what I'm talking about" (lol) the charges have been returned.
  3. affirmation
    I missed the first payment of £18 (wasn't told when it would be taken out so didn't have money in that account to cover it!) They have sent a letter stating that they are charging a returned payment fee of £30 in line with the terms and conditions of your agreement and the following line states "In addition to this, a default penalty of £15 has been charged to your account in line with the terms and conditions of your agreement"!! lol Are they serious!? its ridiculous really. There is no issue of affordability of the monthly payments, they have since taken that months payment and the following months payment together with the default charges. I took the finance out on some bike stuff to avoid the wife going mental when she saw another large expense on them going out haha but the whole agreement was for only about £490 and they charge nearly 10% on a default. I've written citing unjust enrichment and will await their response but has anyone else had such dealings with them? I know some companies take the mick with default charges but this seems a bit much even for others standards!!
  4. affirmation
    Back in December I had a knock on my door from TV Licensing - after reading these threads I realise now I should have told him to go away but quite honestly I don't really care about the tv license and have no problem paying it except I forgot to respond to the demands. Anyway I set up payments there and then, singed his paperwork after we had been talking about fish for half an hour and he went on his way saying no action would be taken. True enough I received a letter some weeks alter saying thank you for payment no further action will be taken following the field officers visit. yesterday I got a court summons for not having a license between November 2013 and December 2013! I phoned them and they said after speaking to the courts administrator that I should reply to the summons but on the day of the hearing they will apply for an order that stays the prosecution until the next hearing date y which time if I have maintained payments they will withdraw the prosecution. I asked for that in writing but was refused. So what the hell should I do - I assume that the license payments are worked out to cover the period I didn't have a licence so surely I had license, albeit retrospective - does this matter/count/make any difference? Secondly, does the fact that they wrote saying no further action have any bearing - I threw the letter out so have no proof of it! And if it goes to court and they do request a stay or adjournment or whatever am I going to get stuck with costs?
  5. affirmation
    In your case, we have calculated these figures as follows: 1) £87.29 2) £97.87 The total redress therefore amounts to £185.16 and we are offering this amount in Full and final settlement of your complaint.
  6. affirmation
    Well they've come back with an offer of £238.06 which seems about right so I've accepted it and will enjoy the little bonus just before Christmas!
  7. affirmation
    I've responded to HSBC asking them to relook at the redress they are offering to include statutory interest, we'll see what they come back with.
  8. affirmation
    yep, cancelled the PPI in 2006, the card in march 2008.
  9. affirmation
    I've done that but you said use the date the card closed but entered the date the last payment was made?
  10. affirmation
    Thanks for the help. Would the stat interest be charged from the date each payment was made or from date of card closure?
  11. affirmation
    This is the spread sheet I used to work out for what I thought should be owing. Where there is nothing in the description column means that I do not have a statement for that month and that I have guestimated the PPI payment based on previous/following months. it comes out less than what HSBC has worked out, mainly due I think to the increases in interest rates over the cards life which I do not have the information about to check.
  12. affirmation
    really? the monthly payments averaged £4 a month from June 2004 to January 2006 when I cancelled the policy. the card itself was cancelled in March 2008.
  13. affirmation
    I doubt all the papers are necessary, the letter basically said they are upholding the claim and contains no details other than all the blah that goes with them. They enclosed a sheet of how it was calculated which stated: The amount of redress you are due is based on the following elements: 1) A refund of CRP premiums. This is calculated using actual CRP premiums you paid as shown on our electronic records, dating back to 2005. For the period from when your policy commenced until 2005 the refund is based on an average credit card balance calculation. 2) Plus any interest that has been debited to your credit card in respect of these premiums. In your case, we have calculated these figures as follows: 1) £87.29 2) £97.87 The total redress therefore amounts to £185.16 and we are offering this amount in full and final settlement of your complaint. This offer aims to ensure you have not been financially disadvantaged by this matter and is designed to put you back in the position you would have been in had the CRP not been taken out.
  14. affirmation
    Hi there I submitted a claim to HSBC for PPI repayments I made between 2004 and 2006. they have accepted my claim and offered me a settlement for the premiums paid and the interest paid thereon. They're calculations seem to add up for the actual period of the card but shouldn't there be a payment of interest for the period from end of agreement (2008) to todays date?
  15. affirmation
    I have had a notice of correction on there for sometime but the case today proved that they had inaccurate dates regarding the account, as mentioned the judge just said the claim was dismissed and so I dont know whether she agreed with my assertion that the debt did not exist or whether the alternative of the debt being uneforcable held. Presuming it is for unenforcability perhaps I should make a complaint to the Ombudsman about them recording inaccurate data as I can easily substantiate the inaccuracy of the data recorded, especially following this case.
  16. affirmation
    hmm well the dates are definately incorrct in their records, its part of what tripped them up today - as to whether the judge agreed the debt was not vaild or just unenforceable I guess I'll have to wait to see what the Judgement says.
  17. affirmation
    would you happen to know Andy about the rules of this now being recorded on my credit file - i claimed that the debt was not owed or alternatively that the debt was unenforceable, the judge simply stated the case was dismissed but obviously I am yet to have sight of the Judgment. Is it the case that once judgement is here I can forward it to the credit agency and demand they remove the entry themselves?
  18. affirmation
    shame about wasted costs! lol I fully intend to pursue HSBC for PPI claim now though. Dimsissed basically becasue as soon as we got in they asked for an adjournment for more paperwork. I challenged saying they've had well long enough, judge agreed. It eventually boiled down to no effective Default Notice so they couldnt enforce.
  19. affirmation
    WON!! lol court today - case dismissed, simples! Can I now go for a wasted costs order?
  20. affirmation
    Sorry andy didn't see your reply, will give you the POC tomorrow. Cheers
  21. affirmation
    Thanks Andy
  22. affirmation
    It's a photocopy of a copy I think - some of the words are blurry. They certainly haven't sent the statements showing how the debt is accrued or the notices of default.
  23. affirmation
    pm sent, cheers
  24. affirmation
    Some action to update and ask for some help please if I may. All was quiet wiht Allocation Questionnaire due to be submitted by today. I submitted mine yesterday and asked the court to make draft directions that the information requested by me in my CPR 31.14 letter be provided within 14 days or the claim be struck out (thought it worth a try). In my request I asked for the follwoing docs: 1: The agreement confirmation and Terms andConditions for which you provide the number xxxxxxx but no date as towhich it was allegedly entered into. You will appreciate that in an ordinarycase and by reason of the provisions of CPR PD 16 para 7.3, where a claim isbased upon a written agreement, a copy of the contract or documentsconstituting the agreement should be attached to or served with the particularsof claim and the original(s) should be available at the hearing. Further, thatany general conditions incorporated in the contract should also be attached. 2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1)of the CCA1974 as you allege that I failed to keep to any said terms. 3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C 4: Notice of Assignment 5: Statement of account showing how the amount claimed has accrued - detailingall default/penalty charges. today I received a copy of HL's AQ along with the following docs: agreement dated way back when 3 statements dated a few years ago detailing no transactions and just interest accruing notice of assignment letter from HSBC Leter from Sigma LBA from Sigma Interestingly the agreement also shows me signing up to PPI (any milage in that?) So they've sent some docs confirming we had an agreement and some statements after the alleged default date. The card was actually cancelled because I was suing HSBC for bank charges on my current account, not because I had acted delinguently with it - I still remember the letter stating it was due to my conduct of my bank account that they were cancelling the credit card. I've scanned in all the paperwork but havent been able to redact anything so if someone needs to see it I'll PM it.
  25. affirmation
    I emailed them back yesterday asking them to clarify what they were referring to - got an auto respond back that the person was away for a week. I'm taking the email as more of a tactic trying to call my bluff e.g. Come across as confident of producing docs in support I'm likely to cave! No chance of that! Yes I have till 31st Dec to submit.

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