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| Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process. |
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26th June 2009, 22:03
| #1 (permalink) |
| Site Team The Consumer Action Group  Your bank owes you an awful lot more money than you realise See here Cagger since : Jan 2006 I am in: Please consider making a donation if we have helped you. Thanks
Posts: 11,494
 |  Restitutionary damages and PPI I think that PPI is a prime candidate for  More to come but for the moment, here is a taster. The Consumer Forums - Banks face deluge of charges claims and massive liability If anyone thinks that they have clear evidence of misselling to the extent that the seller has been negligent or even fraudulent - and you would like to claim through the courts, then let us know and we wil help you draft a claim for restitutionary damages.
__________________ Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me. Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. |
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26th June 2009, 22:04
| #2 (permalink) |
| Site Team The Consumer Action Group eBay user? Find misspellings and zero-bid items Cagger since : Jan 2006 I am in: Please consider making a donation if we have helped you. Thanks
Posts: 11,494
| Re: Restitutionary damages and PPI If you have had a successful PPI claim through the The Consumer Forums - Banks face deluge of charges claims and massive liability Let us know
__________________ Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me. Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. |
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26th June 2009, 22:31
| #3 (permalink) |
| Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Feb 2009 I am in: A fighting mood riding Lloyds TSB
Posts: 88
 | Re: Restitutionary damages and PPI Umm, interesting. I would say my claim would qualify as fraudulent, what would be involved in claiming Edit: But I haven't been through the |
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26th June 2009, 22:49
| #4 (permalink) |
| Gold Account Holder  Protect your signature with SignGuard Cagger since : Jan 2007 I am in: The Sunny South.
Posts: 4,337
 | Re: Restitutionary damages and PPI My claim is with the My claim for PPI is on 9 loans though the Co-op Bank going back as far as 1999. Some of these loans were refinanced into the next and to date dispite many letters they still have not provided the PPI settlement element figures. Because of this i am unable to correctly calculate the sum owed, but putting the settlements to one side it comes to just under £29,500. So I am interested in going the court route for two reasons, to get the settlement info out of them and second the My policies were mis-sold on medical grounds due to me having a stroke which they knew about as i told them at the time. Regards PF
__________________ If I have been of help to you please feel free to click my scales to the left Thanks.  I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive. CARTER V Co-Op BANK CHARGES REFUNDED £3567 POMPEYFAITH V Co-Op PPI OFFER MADE BUT REFUSED ONGOING AND STILL ONGOING NOW WITH THE OMBUDSMAN DON'T GET MAD GET EVEN |
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29th June 2009, 16:50
| #5 (permalink) | |
| Site Team The Consumer Action Group Have we helped you? Please help us by making a donation Cagger since : Jan 2006 I am in: Please consider making a donation if we have helped you. Thanks
Posts: 11,494
| Re: Restitutionary damages and PPI Quote:
However, you would have to have clear evidence of mis selling. This means that you would have to have written evidence that they knew of your unemployment or disability etc or other reason why PPI did not apply to you. Alternatively you would have to have clear written evidence that they did tell you that PPI was essential to get the loan etc. In other words you must be able to prove in court that there was some misrepresentation which caused you to buy the policy and to part with your money. The more glaring the mis-selling then the easier it would be to get restitutionary damages. For instance, if you could show that a form had been altered, then this would be fraudulent. Not only would you almost definitely get restitutionary damages, but I expect that you would get punitive damages as well. Punitive damages is an extra award on top which demonstrates the displeasure of the court.
__________________ Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me. Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. | |
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29th June 2009, 17:03
| #6 (permalink) |
| Site Team The Consumer Action Group Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jan 2006 I am in: Please consider making a donation if we have helped you. Thanks
Posts: 11,494
| Re: Restitutionary damages and PPI The whole The fact that the matter is already with the I would suggest that the best thing to do would be to prepare your case so that you are absolutely ready to go to court -- then send the bank and the See what happens. However if a seven-day deadline expired then you must take your action. It is not worth it simply to make threats in the hope that they will respond to your bluff. The only thing they understand is brute force
__________________ Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me. Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. |
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1st July 2009, 16:38
| #7 (permalink) |
| Basic Account Holder Worried about companies stealing your signature? Use our new digital signature service Cagger since : Feb 2009 I am in: A fighting mood riding Lloyds TSB
Posts: 88
| Re: Restitutionary damages and PPI Hi Bankfodder, thanks for replying. I think I’ll have to look into it further with regards to what I’d stand to lose if unsuccessful e.g. bank cost etc, as I have limited funds. I still haven’t received all the info from my S.A.R yet, so the only evidence I have of ‘mis-selling’ is my credit card agreement, which has the no to PPI ticked. I’ll look into and let you know. Regards |
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