Advice re Claiming PPI+Unfair charges on personal loan

[Paintball]

Yes, that's what I was assuming aa ... I imagine they won't want a PPI complaint hanging about their offices, hey ho and refer it back to Britannia

[PossVox]

Hi,

 

Yes it is that Britannia, although the first people to chase us was Blair Oliver & Scott, HBOS's in house monkeys I believe?

 

We sent the PPI complaint to this address:

 

Britannia Building Society

PO Box 607

Trinity Road

Halifax

HX1 2UJ

 

as we have had correspondence from Britannia with this address.

 

Now, having looked back through the file again, we have a letter from

 

Britannia Personal Lending

City House,

City Road,

Chester

CH88 3AN

 

and also:

 

PO Box 140

Normanton

WF6 1YA

 

How many offices do these people need? LOL.

 

I'm sure you're right that Wescot won't want a messy PPI case hanging about so HBOS will have to deal with it.

 

Let's see what Britannia/HBOS come back with.

 

As I say we have CCAs from them for 2 loans and they look enforceable. We're challenging PPI+Charges on both.

 

I can post up the CCAs if it would help?

 

Many thanks as ever,

 

PV:-)

[PossVox]

Hi,

 

Update:

 

No reply from the Britannia since writing to them re PPI and charges.

 

Received this letter today:

 

 

Coincidence?

 

Should we bite their hand off?

 

Thanks.

 

PV

[Paintball]

Definitely an offer you can't refuse (laffin) ... can you get one for me please, too?

 

 

 

 

:lol:

[PossVox]

LOL!

 

I presume you mean we wait for an OFFICIAL response from the OC?

 

We're sure the mis-sold PPI & charges will wipe much more than 40% off.

 

Is this standard procedure then?

 

Thanks

 

PV

[PossVox]

I'm thinking of writing to RBS along the lines of "I am bemused as to why I have received a "Special Offer" to settle this account from you whilst it is in serious dispute with Britannia BS.... Unfair collection practice etc..."

 

PV

[PossVox]

Should we write to RBS re this offer?

 

Any advice gratefully accepted.

 

Thanks

 

PV

[hellhasnofury]

Hello Possvox,

 

I have just a few questions for you if you don't mind, In one of your earlier posts you stated that you have the original agreement. Was it one that you kept or was it one they sent to you to comply with a section 77/78 request.

 

Has you account been transferred or sold to these DCA's

[PossVox]

Hi,

 

The accounts are being chased and have not been sold on as far as we know (no NoAs received anyway).

 

We CCA'd them and got enforcable agreements for both loans we are disputing charges on.

 

We wrote to OC (Britannia) a couple of weeks ago and got the "Special Offer" for one of the accounts last week.

 

Hope this helps, thanks,

 

PV

[Paintball]

I'm thinking of writing to RBS along the lines of "I am bemused as to why I have received a "Special Offer" to settle this account from you whilst it is in serious dispute with Britannia BS.... Unfair collection practice etc..."

 

PV

 

Should we write to RBS re this offer?

 

Any advice gratefully accepted.

 

Thanks

 

PV

Personally I would ignore it PV ... they cannot be serious with this daft letter ... I think it's just a standard offer they must be making to you and other customers, and has been sent independent of your complaint ... at least, I do hope so!!!

Hi,

 

The accounts are being chased and have not been sold on as far as we know (no NoAs received anyway).

 

We CCA'd them and got enforcable agreements for both loans we are disputing charges on.

 

We wrote to OC (Britannia) a couple of weeks ago and got the "Special Offer" for one of the accounts last week.

 

Hope this helps, thanks,

 

PV

The accounts and the debts may indeed be enforceable, but you are still entitled to claim back the penalty charges ... and also to make your claim for mis-selling of PPI.

 

Give them a bit longer to see whether you receive a sensible response to your claim for mis-selling.

 

[PossVox]

Hi,

 

Just an update.

 

Received this letter from Westcot this morning:

 

 

They seem to be phishing for info here and it also seems that they want us to do their job for them!

 

Is there a good letter to send to them please?

 

Or do we simply ignore them as we haven't heard anything from the OC as yet?

 

Thanks

 

PV

Edited October 30, 2008 by PossVox
missing file

[Paintball]

PV I can't access this letter.

 

Would you like to PM it to me and copy anyone else in that you'd like to see it ...

[PossVox]

Hi PB,

 

Thanks for looking in again.

 

I wasn't logged in to CAG... can you see the letter now?

 

If not, then i'll PM you with it.

 

Ta,

 

PV

[Paintball]

Nope, it's just a little box with Photo bucket written in it

 

PM it to me and I'll copy my response in to a few other people to maximise the help for you ...

 

[PossVox]

Hello!

 

Sorry PB, I moved the file when tidying up earlier!

 

It should be visible now.

 

Apologies and thanks.

 

PV

[Paintball]

Got it

[PossVox]

Glad you can see it now (How stupid am I?!).

 

We shall send an account in dispute letter to Wescot and state that we don't know how much the charges amount to or how much the PPI cost as it was attached to the loan total. We shall state that we await a definitive response from HBOS/Britannia as to these matters.

 

Would that be OK?

 

Thanks

 

PV

 

p.s.

Britannia sent out an annual statement on one of the loans, covering the period 1/10/08 to 18/10/08, but it merely stated the disputed balance and made no mention of charges or PPI.

[Paintball]

Mornong PV

 

No, not stooopid at all

 

I'm thinking that at some point, Britannia are going to have to work with you to break down the money into what is borrowed, charges and amount for each added, PPI element and interest added on top ... It is your right to have this information.

[PossVox]

Hi there,

 

Well it's been a while but today WE HAVE A RESULT!!!

 

The first of the 2 PPI claims we sent in to BOS has come back with the following breakdown:

 

The loan is fully paid off and we have asked that any defaults are removed from the CRAs-BOS have agreed to this.

 

Refund of premiums paid: £360

Refund of interest: £250

Total refund: £610

 

Less outsatanding balance: £550

(the balance that we were chased by FIVE DCAs for that is!!!)

 

Refund to us: £60

PLUS £220 which is 8% compensatory interest!

 

THANKS FOR ALL YOUR HELP!!!

 

CAG WINS AGAIN.

 

We now await a decision on PPI number 2!

 

PV

[hellhasnofury]

Hi there,

 

Well it's been a while but today WE HAVE A RESULT!!!

 

The first of the 2 PPI claims we sent in to BOS has come back with the following breakdown:

 

The loan is fully paid off and we have asked that any defaults are removed from the CRAs-BOS have agreed to this.

 

Refund of premiums paid: £360

Refund of interest: £250

Total refund: £610

 

Less outsatanding balance: £550

(the balance that we were chased by FIVE DCAs for that is!!!)

 

Refund to us: £60

PLUS £220 which is 8% compensatory interest!

 

THANKS FOR ALL YOUR HELP!!!

 

CAG WINS AGAIN.

 

We now await a decision on PPI number 2!

 

PV

 

Well done PV, good for you and hope for a good result for no 2:D Will await your good news on that one two

[alanalana]

hello PV,

Hi there,

 

Well it's been a while but today WE HAVE A RESULT!!!

 

The first of the 2 PPI claims we sent in to BOS has come back with the following breakdown:

 

The loan is fully paid off and we have asked that any defaults are removed from the CRAs-BOS have agreed to this.

 

Refund of premiums paid: £360

Refund of interest: £250

Total refund: £610

 

Less outsatanding balance: £550

(the balance that we were chased by FIVE DCAs for that is!!!)

 

Refund to us: £60

PLUS £220 which is 8% compensatory interest!

 

THANKS FOR ALL YOUR HELP!!!

 

CAG WINS AGAIN.

 

We now await a decision on PPI number 2!

 

PV :grin:

 

:DCracking result PV *well done*

aa