loancheck/solicitors claiming ppi

maxdp

lesley65 wrote: »

hi
wondered if anyone culd give me any advice, i started trying to reclaim ppi on 5 loans i had taken out with a single ppi attached, when i was getting no where fast i was advised to go through loancheck, which i did and they sent out a gntleman that acted on their behalf to help me fill in all the paperwork, this was then passed onto a solicitoe back in may 2008. i was told bby this solicitor that he would write to me every 28 days with a report of what was happening with my claims, which he did do to start off with but since february of this year i can't get hold of him, i have made several phone calls and he is never in the office, sent lots of e mails and letters but never get a response. i even contacted loancheck and was told that a manager would call me back to discuss this matter but no one ever called. i'm at a complete loss as to what to do now as i was told by the solicitor originally i had a good case but when i last spoke to him he told me that a barrister would have to be used and now it wasn't looking that good. any advice would be much appreciated.
thanks inn advance

Hi Lesley you may well find that if you are already allocated a solicitor that they may take the case on. I think they have to check with Severn Administration first to see if they allocate to a different solicitor or give the Solicitor permission to carry on. If a barrister was being involved then surely it would have been risk assessed and gone onto the next stage. If they have appointed a barrister this would have extra cost to it and they would not do that unless they were hopeful.

marshallka

maxdp wrote: »

Hi Lesley you may well find that if you are already allocated a solicitor that they may take the case on. I think they have to check with Severn Administration first to see if they allocate to a different solicitor or give the Solicitor permission to carry on. If a barrister was being involved then surely it would have been risk assessed and gone onto the next stage. If they have appointed a barrister this would have extra cost to it and they would not do that unless they were hopeful.

Severn Administration is no longer trading.

They changed their name on

Previous Names: Date of change Previous Name 24/06/2009 SEVERN ADMINISTRATION LIMITED


And it was changed to

Name & Registered Office:
SALOP MANAGEMENT LIMITED
26-28 BEDFORD ROW
LONDON
WC1R 4HE
Company No. 05965347


Status: In Administration


And also it says on MOJ in administration.

What happens to data given etc now??

Also from the London Gazette
SALOP MANAGEMENT LIMITED (FORMERLY SEVERN
ADMINISTRATION LIMITED)
(Company Number 05965347)
Nature of Business: Legal Activities.
Trade Classification: 7411.
Date of Appointment: 07 August 2009.
Joint Administrators’ Names and Address: Asher Miller and Henry
Lan (IP Nos 9251 and 8188), both of David Rubin & Partners LLP,
26-28 Bedford Row, London, WC1R 4HE.

lesley65

hi all

would just like to say thankyou for all your advice and help.

just to answer a couple of your questions, yes it was Peter that helped me onto the next stage of this once i had seemed to hit a brick wall trying to reclaim on my own, i have sent him a pm him asking if he could give me any advice but as yet have still not heard back.

i have e mailed the solicitor every day since last thursday and surprise surprise have not had a reply, i telephoned his office today and apparently he had just popped out, his secretary took my number which to be fair she should know off by heart by now and she said that he would call me back but as you've probably already gathered this didn't happen.
the last correspondance i had from him was 12th january letting me know what his charges were mounting up to and each one averages out at roughly £6000, i have 5 currently with him at the moment. i checked the terms and connditions that i signed again and they state that he would keep me informed every 28 days by either phone call, e mail or letter, if i was to terminate the agreement then i would be liable for the costs incurred so far.

i will endeavour to try loanchecks new number and address tomorrow to see if i can get any joy withh them but to be fair i don't really hold out much hope.

i started this whole process nearly 2 years ago now and i dont think i will actually now get anything back but what i really don't want to happen is now being landed with a bill for £30,000 for works that the solicitor has already said that he has carried out.

will keep you posted on how i get on with loanchecks new number.

thanks again

lesley x

marshallka

lesley65 wrote: »

hi all

would just like to say thankyou for all your advice and help.

just to answer a couple of your questions, yes it was Peter that helped me onto the next stage of this once i had seemed to hit a brick wall trying to reclaim on my own, i have sent him a pm him asking if he could give me any advice but as yet have still not heard back.

i have e mailed the solicitor every day since last thursday and surprise surprise have not had a reply, i telephoned his office today and apparently he had just popped out, his secretary took my number which to be fair she should know off by heart by now and she said that he would call me back but as you've probably already gathered this didn't happen.
the last correspondance i had from him was 12th january letting me know what his charges were mounting up to and each one averages out at roughly £6000, i have 5 currently with him at the moment. i checked the terms and connditions that i signed again and they state that he would keep me informed every 28 days by either phone call, e mail or letter, if i was to terminate the agreement then i would be liable for the costs incurred so far.

i will endeavour to try loanchecks new number and address tomorrow to see if i can get any joy withh them but to be fair i don't really hold out much hope.

i started this whole process nearly 2 years ago now and i dont think i will actually now get anything back but what i really don't want to happen is now being landed with a bill for £30,000 for works that the solicitor has already said that he has carried out.

will keep you posted on how i get on with loanchecks new number.

thanks again

lesley x

Were you told that you would not have ANY charges on this claim and what did you sign? Whenever Peter has been on here he has always said that "this service" was free. I cannot believe what this solicitor has told you now. Are you sure he has said these charges are "yours" and not what he is claiming back for you?

I would certainly get some advice on this one lesley. If you have signed this and currently are "owing" this amount then they must have done some work for you. What were the terms on which you signed to have these agreements looked into? Did they mention "charges" at all. I was led to believe that all charges were levied to the lender from posts on here. He always used to say this was a totally free service and the only (or another one maybe) free service of this kind.

lesley65

marshallka wrote: »

Were you told that you would not have ANY charges on this claim and what did you sign? Whenever Peter has been on here he has always said that "this service" was free. I cannot believe what this solicitor has told you now. Are you sure he has said these charges are "yours" and not what he is claiming back for you?

I would certainly get some advice on this one lesley. If you have signed this and currently are "owing" this amount then they must have done some work for you. What were the terms on which you signed to have these agreements looked into? Did they mention "charges" at all. I was led to believe that all charges were levied to the lender from posts on here. He always used to say this was a totally free service and the only (or another one maybe) free service of this kind.

Hi

sorry i don't think i explained myself very well, my heads all over the place, this is a no win no fee agreement but on the conditional fee agreement that i signed it states that if i end the agreement before a win or a loss then i would be liable for the charges and disbursements to date.
this is why i feel i can't tell him to call it a day and ask for all of my documentaion back even if i could get hold of him.

lesley x

marshallka

lesley65 wrote: »

Hi

sorry i don't think i explained myself very well, my heads all over the place, this is a no win no fee agreement but on the conditional fee agreement that i signed it states that if i end the agreement before a win or a loss then i would be liable for the charges and disbursements to date.
this is why i feel i can't tell him to call it a day and ask for all of my documentaion back even if i could get hold of him.



lesley x

There must be some time limit though Lesley on these things and also you should surely have updates from them and you say that January was the last time you heard. I cannot believe that you have waited all this time and still not got anywhere with it. Did they give you any time limit on this when you signed? Maybe you are nearing winning with the complaint??

Seems to me that two years is a long time for any complaint and also perhaps take a look here if you have any discrepancies with the solicitor and how he is dealing with it.

http://www.lawsociety.org.uk/choosingandusing/redressscheme.law

lesley65

marshallka wrote: »

There must be some time limit though Lesley on these things and also you should surely have updates from them and you say that January was the last time you heard. I cannot believe that you have waited all this time and still not got anywhere with it. Did they give you any time limit on this when you signed? Maybe you are nearing winning with the complaint??

when loancheck sent their representative out he said that most cases were done and dusted within 9 months, i too cannot believe that i have waited this long, i suppose i had just given up and thought i wouldn't get anyhting back and i still dobelieve that but i'm just angry now that he won't respond to me and i'm fritt to death that i'm going to get a huge bill through the door.

lesley x

marshallka

lesley65 wrote: »

when loancheck sent their representative out he said that most cases were done and dusted within 9 months, i too cannot believe that i have waited this long, i suppose i had just given up and thought i wouldn't get anyhting back and i still dobelieve that but i'm just angry now that he won't respond to me and i'm fritt to death that i'm going to get a huge bill through the door.

lesley x

Take a look through the link I put on my post before and see if anything applies. I too would be scared of a huge bill and also the fact that they can hold this over you for so long and it could be another few years and there is nothing you can do. I would look at the terms being unfair in the agreement perhaps between yourself and the solicitor in that they have failed to keep you informed. Where did you give your data etc to. Was it Loancheck or just the solicitor? Who has all your documents now? You really need to MAKE the solicitor get in touch somehow..

Maybe they are just finalising things for you and there is no charge at all???

lesley65

hi all

just wanted to give you all a bit of an update, i have managed to get hold of Peter and i have e mailed him the solicitors details, he is hopefully going to talk to him on my behalf, i have my fingers and everything else firmly crossed now.

thanks to you all again, i will keep you posted

thanks

lesley x

marshallka

lesley65 wrote: »

hi all

just wanted to give you all a bit of an update, i have managed to get hold of Peter and i have e mailed him the solicitors details, he is hopefully going to talk to him on my behalf, i have my fingers and everything else firmly crossed now.

thanks to you all again, i will keep you posted

thanks

lesley x

Let us know the outcome on this one lesley. If you need any help on reclaiming from here just ask away. I know that there have been some that have taken their complaints about unregulated brokers etc back to FOS and they are now pursuing the insurer/underwriter.