PPI Reclaiming Discussion Part 5

I have a bit of an odd one that I really hope someone can help me with.
Back in 2001 I took out an Egg credit card with PPI.
Everything was fine until I was made redundant in August of 2002 and duly contacted all my creditors regarding making a claim on my PPI policy.
All but 2 creditors (Egg and American Express) paid the claims for the duration of the policy. These monthly claims were accompanied by Form ABI1 from the Employment Service proving my continued unemployment status.

Both Egg and American Express rejected my claim but in this instance I only wish to deal with the Egg claim.

Unfortunately, as this all happened over 10 years ago, some of the paperwork has been misplaced so this part is from memory only. Egg refused the claim on the grounds that they couldn't find any record of the company I worked for.
I contacted Companies House and obtained a copy of the company registration information as well as the details of the directors of the business and VAT registration information and duly forwarded this information to Egg.
Many phone calls later with no result, Egg simply stated that the claim was rejected and therefore closed and could not be re opened.

I need to add that for a further 2 months following my redundancy, I continued to pay my PPI pemiums.

I didn't hear anything more from Egg, then in August 2006 I was contacted by CapQuest Investment Managemet claiming that they had been assigned my debt and were chasing me for payment. I explaind both by telephone and in writing that I did not agree that any such debt existed with their company and that the matter should be dealt with by Egg.

I called Egg to ask them what was happening and they refused to speak to me. Several calls back to them resulted in Egg terminating the call as soon as I had given them my information. This was both rude and unprofessional but the biggest shock was still to come. I received upwards of 20 calls a day from CapQuest threatening me with legal action, Bailiffs visiting my home, CountyCourt Judgements and telling me that my family was at risk if I didn't pay them. Needless to say, I started to (and still do) screen all incoming telephone calls.
I received several letters containing veilled threats then silence, nothing at all for a further 2 years.
In 2008 I was again contacted by Capquest using one of their many and varied trading names. This time, having searched the internet for information and advice I sent them a letter stating that the alleged debt was statute barred because no contact with the original creditir had been received within the past six years.
Again, they went silent until another year later when they again wrote to me threatening legal action but the debt had jumped from the original £2500 to a whopping £8500!
I wrote back explaining that they could not legally apply interest to the alleged debt as it was in dispute (information from the local CAB) and that there was no contract of any form between myself and their company which there wasn't. I have never acknowledged this alleged debt with CapQuest nor have I made any agreement with them regarding the matter.
Again 12 months of silence and another letter drops through the door. I again sent them a copy of the statute barred letter and added the OFT Debt Collection Guidance statement "continuing to press for payment after a debtor has stated they will not be paying a debt because it is statute barred could amount to harassment under section 40 (1) of the Administration of Justice Act 1970"

On January 4th 2012 I received notice that Capquest started County Court Judgement procedings against me (posted on Christmas eve 2011 by second class mail to ensure it wouldn't reach me for days).
I responed to the claim using the courts service online claims system disputing the claim and filing what I thought was my defence which clearly outlined everything above.

Apparently I did not submit the correct form for defence and a judgement was made against me automatically in March 2012.
I immediately responed by submitting an application to have the judgement set aside and the hearing moved to my local court.
I then received a notification from HM Land Registry that CapQuest have placed a charging order against my property!
This is before any hearing has been heard and I took it as a further example of CapQuests bullying tactics.
The application was duly processed by the court and a hearing arranged in Chambers which didn't go well for either side.

The judge had been informed that this was an uncontested claim and had only allocated 5 minutes for the hearing.
She became extremely irate when it became apparent that this was not the case and adjourned the hearing until October 1st 2012 when a further 30 minutes has been allocated.

I desperately need some assistance to get this matter sorted out successfully as I am currently unemployed so cannot afford legal represenatation and I am also trying to set up my own business and a CCJ against me will prevent me from being a Director of my own business. The charging order on my property will also reflect badly and cause problems whenattempting to source finance to get the buiness up and running.

This is all having a detrimental affect on my health and I am not sure how much more of this I can take.
I don't have anyone I can go to for help or even just to vent to so I really am stuck.

Can anyone please offer a ray of hope or at least point me in the right direction.

Sorry it was such a ling post but I hope you can appreciate that I needed to provide as much information as possible so a solution can hopefully be found.

Thnks

Broken Egg

Hi, just wondering how you ended up dealing with this? We're in a similar position where Connells have said that they won't pay back any PPI as we signed the document with the terms and conditions on it and like you they've dismissed any reasons we gave as to why we wanted to reclaim this money back saying that we were only 'advised' to pay this when in actual fact we felt that we had to.
It says that we have 6 months to respond if we are not happy with this but what do we do so that they don't fob us off again. We were paying the PPI for 3 years which started 2000.

ste1mma wrote: »

hi all, ive recently tried claiming back ppi payments made to Connells Resedential. I got a mortgage with RBS through Connells and the ppi protection was with Wessex-Group. I have been paying the ppi on my mortgage for three years. When i brought my house i felt pressured into taking the ppi policy as she was pushy and told me i could be refused credit. As a young (21 year old) first time buyer i took out he policy as she told me to and got a mortgage. After reading an article on this website it thought the ppi sold to me was something i didnt need because the policy will pay out a maximum of 12 months which would work out to under £4000 which i have savings to cover and my partner also works and i have family who would help me out. If i got sick my work would also pay out standard sick pay which with my savings and family helping out easily cover my mortgage. I sent Connells a letter explaining this and asked them for a full refund and that i would like to immediately cancel the policy.I received a questionaire which i filled and sent back. I have now received a letter saying i was not obliged to taking the cover and i signed the policy to agree, the fact that saving does not come into account as i would not want to use them in these circumstances and that my family might not necessarily be able to support me for 12 months. I got in touch with Wessex-Group and they told me the policy had not been cancelled so i cancelled it with them. What should i do now? send another letter or just leave it? many thanks steve

We have just been given the what we know now as the standard Lloyds rejection letter stating that they found no reason to uphold our claim.

The loan and c/c are for my husband. He got the c/c in 1999 and loan in 2003. We are now writting them back with additional information stating that he was never told he could get the insurance elsewhere and that he stopped working in the UK in Nov 2003. He then starting working for a US company based in America for 6 mths at a time. He told the bank on several occasions he was working o/s and even put it in writting.

My question is, he due at least a refund from the time he stopped working in the UK?

Thank you for any help you can offer.

xx S xx