Yorkshire bank visa ppi claim - statute barred debt ** SUCCESSFUL CLAIM **

[cleo4patra]

the debt was sold on with notice of assignment to Marlin

If they are the original creditor and there are any arrears, then sadly, they are permitted to do this

[citizenB]

the debt was sold on with notice of assignment to Marlin

 

Then the money should come to you, Cleo. However, there have been some claims that the original creditors have purchased the debts back from the 3rd party, purely in order to be able to offset.

 

Fingers crossed, eh !

[cleo4patra]

still no response - will be chasing up on Monday!!

Then the money should come to you, Cleo. However, there have been some claims that the original creditors have purchased the debts back from the 3rd party, purely in order to be able to offset.

 

Fingers crossed, eh !

[cleo4patra]

have sent letter asking if there has been any progress so lets see!!

[cleo4patra]

still no response....!!

[cleo4patra]

I have heard nothing from them since chasing up - perhaps they are attempting to buy it back? or are waiting for me to pass the complaint on and then lose the case??

8 weeks from getting it

 

 

dx

[dx100uk]

why not ring them and ask?

 

 

dx

[cleo4patra]

I could do that but am worried about tying myself in knots over the phone - I will give it some thought thank you

why not ring them and ask?

 

 

dx

[cleo4patra]

I have sent two chase up letters - but no response to either of them, but haven't had a direct"NO" either????

cleo, I think perhaps you should give them until at least next week, to account for the bank holidays.

 

If nothing by say next Friday, send a "what are you doing" letter.

[cleo4patra]

I appreciate you're really busy and very grateful for help so far :

 

 

just a bit puzzled re this YB PPI .

 

 

I suspect they are holding off so I will go to the FOS and then I will lose due to defaulting and it being SB'd.

 

 

However they haven't written an outright "No / no documents/ etc"

 

 

but they haven't responded to my chase up letters either.

 

 

I am reluctant to speak on phone due to the nature of the debt and tripping myself up.

 

 

Do I just sit it out / are they allowed to not respond??

 

 

many thanks

why not ring them and ask?

 

 

dx

[dx100uk]

SB'd, defaulting..whats all that about? its PPI theres no time limit.

 

 

and whatever you say on the phone cannot reset anything.

 

 

dx

[cleo4patra]

sorry!!

 

 

I mean that we never paid the original credit card debt off and is now SB'd and as you have said ..once Sb'd thats it.

 

 

I think I am just unfamiliar with the process and the time they're allowed to reply etc.

 

 

They've had more than their 8 weeks now .

SB'd, defaulting..whats all that about? its PPI theres no time limit.

 

 

and whatever you say on the phone cannot reset anything.

 

 

dx

Edited April 6, 2015 by cleo4patra
ommission

[citizenB]

If they have not responded to you within the 8 weeks then your only option is to either go to the FOS or issue a claim against them.

[cleo4patra]

Pronlem is once I go the FOS I think I am a dead duck with this??

If they have not responded to you within the 8 weeks then your only option is to either go to the FOS or issue a claim against them.

[cleo4patra]

Well...

 

 

I called the PPI team today.

 

 

Answered some security questions (name, address etc) then they asked if anyone else was listening in on the call????

 

 

They said that my claim is still being investigated and they have a large backlog due to changes they've made last year to the way they deal with the claims process .

 

 

They said it's nothing to do with my particular claim at all but the process.

 

 

They said they will continue to send updates until they are in a position to send their final response....When I questioned them on the 8 week rule - their response was ...."things are taking more than eight weeks due to the changes we made to the process last year...."

 

 

..

 

 

why not ring them and ask?

 

 

dx

Edited April 8, 2015 by cleo4patra
omission

[cleo4patra]

Thought it a good time to ring YB again today after they were in the news for PPI fine.

 

 

We moved address and they have been writing to my new address but the time the PPI was paid we were at old address.

 

 

A note was put on the system yesterday by the claims handler

-- They have asked for us to take into YB branch :

passports to prove our identity and recent utility bill to prove new address and to ask branch to fax through to PPI team.

 

 

They told me this was because if there is an offer of redress to be made it's to make sure it goes to the right people and the right address?

 

 

This makes sense as my mail was on redirection so they wouldn't know we moved until they got claim from new address.

 

 

However I just need to check this is ok and not for any other reason??

 

 

sincere thanks B

SB'd, defaulting..whats all that about? its PPI theres no time limit.

 

and whatever you say on the phone cannot reset anything.

 

dx

Edited April 14, 2015 by cleo4patra
omission

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?444375-Clydesbank-Bank-Hit-With-£20m-PPI-Fine

 

Yorkshire Bank is mentioned in the above, Cleo.. looks like they are going to be revisiting a lot of claims.

[cleo4patra]

yep indeed - my claim is still in the process - not had final response as yet. Just a bit cautious about them asking for ID / address?

http://www.consumeractiongroup.co.uk/forum/showthread.php?444375-Clydesbank-Bank-Hit-With-£20m-PPI-Fine

 

Yorkshire Bank is mentioned in the above, Cleo.. looks like they are going to be revisiting a lot of claims.

[citizenB]

Well you will have to give them a current address if you want a cheque sent to you ?

[cleo4patra]

yes !! They are writing to me at my current address and I queried why they are asking for the documentation - they said that because my new address didn't match with address on their records which must be my old address. I am just being cautious

Well you will have to give them a current address if you want a cheque sent to you ?

[citizenB]

Ah righto.. well at least they have the right address for the cheque

[cleo4patra]

let's see what happens shall we?

Ah righto.. well at least they have the right address for the cheque

[cleo4patra]

is it normal procedure to ask for this? After several years fighting off DCA's, one court claim (discontinued) , I am quite cynical!!

Ah righto.. well at least they have the right address for the cheque

[citizenB]

is it normal procedure to ask for this? After several years fighting off DCA's, one court claim (discontinued) , I am quite cynical!!

 

I think perhaps they are permitted to ask for information that would confirm you were the person who had the contract/agreement. So if they have an old address and you didn't inform them of the move at the time !

[cleo4patra]

Took the information in today to be faxed to the PPI team. Called them to ask if they've received it. Told to call back on Friday "when it will be on the system..."

I think perhaps they are permitted to ask for information that would confirm you were the person who had the contract/agreement. So if they have an old address and you didn't inform them of the move at the time !