Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

dialysis

Right going to ring them now and if I dont get the answer I want then I will ask to speak to a chief and not put phone down till I get an answer. Wish me luck.:T:T

marshallka

di3004 wrote: »

I agree with Marshallka.;)

Well I doubt I will get a call back now. Its been over 15 mins and he will be too busy to call again i assume. It blummin typical.

marshallka

dialysis wrote: »

Right going to ring them now and if I dont get the answer I want then I will ask to speak to a chief and not put phone down till I get an answer. Wish me luck.:T:T

Go girl.:T

di3004

dialysis wrote: »

Right going to ring them now and if I dont get the answer I want then I will ask to speak to a chief and not put phone down till I get an answer. Wish me luck.:T:T

Good luck Di.;):beer:

di3004

marshallka wrote: »

Well I doubt I will get a call back now. Its been over 15 mins and he will be too busy to call again i assume. It blummin typical.

Bloody He_ _ another company that does not seem to keep their word...:mad:
Yes very typical!!!

amersall

di3004 wrote: »

Hi amersall, not too bad thank you, apart from these bad nerves.....:eek:, am tempted to take my hubby's meds......:o:eek::D:rotfl::rotfl:.
I have even left the housework to keep checking on here and my uncle teaching my son......lol .
Hope your well hun.:AXx

hi di i am well, i have not done anything yet, keep checking on here for good news, wish it was all sorted, i dont know how people manage to keep sane with the length of time they are waiting, and to keep getting fobbed off as well, its disgusting

gumbi

Guys I wander if this is having any impact on the PPI cases with the FSCS...There may be a bigger picture, (sorry, no pun intended!) as this case could affect us all

http://news.bbc.co.uk/1/hi/business/8282264.stm

dialysis

Right spoke to FSCS still havent had anything from deloitte:mad::mad::mad: but found out that

we get a cheque and a letter together

cant be done by BACS

or email

Once deloitte send info to FSCS it can be completed straight awy and sent to us. He said there should be no delay in this.
I got quite upset and the nice man adviced me to ring deloitte to find out why it hadnt been sent through going to do that now.

di3004

amersall wrote: »

hi di i am well, i have not done anything yet, keep checking on here for good news, wish it was all sorted, i dont know how people manage to keep sane with the length of time they are waiting, and to keep getting fobbed off as well, its disgusting

Glad your well amersall.;)
I'm finding it hard to leave the site......:o, some good news for all these would be nice, I should really make my uncle a Coffee bless him .
It's mad though isn't it? Gone on for far too long now, surely they have had long enough or even more than enough time to get on with these claims.

Did you get my message over at FP site amersall?;)

marshallka

gumbi wrote: »

Guys I wander if this is having any impact on the PPI cases with the FSCS...There may be a bigger picture, (sorry, no pun intended!) as this case could affect us all

http://news.bbc.co.uk/1/hi/business/8282264.stm

Arh, just read this again. It seems the main reason why the judge ruled the debt unenforceable was that MBNA could not provide an agreement. He also ruled that they pay back the PPI with interest or the commissions received. I thought it was just cause of the PPI but seems different reading it now.




The main ground on which Judge Smart said Mrs Thorius's credit card debt was unrecoverable was because MBNA could not provide a copy of the original signed loan agreement, which is also a requirement by the Consumer Credit Act.

Judge Smart agreed with the argument of Mrs Thorius's barrister, Paul Brant, that this "secret" commission meant the credit card deal was unfair and therefore in breach of the Consumer Credit Act.

The Judge ordered the company either to repay Mrs Thorius's PPI premiums and interest, or the value of the commissions it had received which so far has been undisclosed.
The PPI premiums, which rose each month as the credit card debts increased, amounted to £2,500 over the time the card had been in use.


MBNA applied for leave to appeal, which was rejected, but it may now apply directly to a higher court for permission to appeal.
Or it may be able to appeal if it can find the original loan documentation.
Only when higher courts have decided the issue will the legal ramifications, and the effects on lender and borrowers, be clear.

If they can "find" the agreement then what happens????

It is however going to be argued by the looks of things.