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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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2nd July 2009, 13:25
| #1 (permalink) |
| Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : May 2009
Posts: 14
 |  Paragon PPI Hi - I had posted this on an existing thread and some very nice people suggested that I start a whole new thread just for me - so here goes!  I am new to this PPI lark and I have just started the process with Paragon. I borrowed £25,000 from them in September 2004 and was charged £4,200 PPI which was added to the loan. Interestingly the loan was in joint names of my then partner and I yet the insurance was only in my name(?). I settled the loan in July 2007 and in the final statement was charged all sorts of settlement fees etc but received a rebate of almost £300 PPI premium. I have written an initial letter stating that the premium should not have been added to the loan and also informing them that I had not been asked about exisiting health matters to inform the insurers. I have received a letter from Paragon - very patronising stating that they are 'concerned that I feel I have been mis-sold premium protection insurance'. They then inform me that my application was submitted by Loanmakers Limited??? All my dealings were with paragon - I have no paperwork from Loanmakers. Should I continue to pursue this with Paragon? I would be grateful for any help from anyone on the forum... you all seem very experienced in this. Thanks in advance |
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2nd July 2009, 13:53
| #2 (permalink) |
| Platinum Account Holder  | Re: Paragon PPI browse down this list and have a read of the threads about the paragon tactics. should point you in the right direction... http://www.consumeractiongroup.co.uk...archid=2534527 dx |
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4th July 2009, 05:25
| #4 (permalink) | |
| Site Team  Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Nov 2006 I am in: Cumbria
Posts: 4,525
 | Re: Paragon PPI Quote:
Paragon may state that the application was submitted by loanmakers but an APPLICATION is not a Consumer Credit Agreement within the terms of the Consumer Credit Act 1974. This is a link to the Act..... http://www.statutelaw.gov.uk/legResu...=1&SortAlpha=0 aa
__________________ I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------ Bank charge successes: Halifax - Full settlement incl interest. HSBC - Settlement, goodwill no admission of liability about 75% of claim. RBS - Settlement, goodwill no admission of liability about 70% of claim. 2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did  PPI Successes PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both. 2 claims settled in full with LV without FOS involvement. 2 claims settled in full with HSBC without FOS involvement PPI Claims ongoing with: Cap one Now with the FOS Barclays. They have now been given a deadline before FOS action. No response so complaints now with ICO and FOS. LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc 1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this.. Post 290 from ***RBS PPI Claim Long fight but, WON*** Please do not PM me for advice as it may be sometime before I can respond. Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI. Last edited by alanalana; 4th July 2009 at 05:40. Reason: link added | |
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9th July 2009, 11:08
| #5 (permalink) |
| Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : May 2009
Posts: 14
| Re: Paragon PPI I have had an acknowledgment of my Subject access request  from Paragon stating they would provide me with the information within 40 days. I shall wait to see what they send me.... |
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9th July 2009, 20:29
| #6 (permalink) |
| Site Team Your bank owes you an awful lot more money than you realise See here Cagger since : Nov 2006 I am in: Cumbria
Posts: 4,525
| Re: Paragon PPI When it pitches up make sure you get everything you asked for after all you have paid for it  aa
__________________ I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------ Bank charge successes: Halifax - Full settlement incl interest. HSBC - Settlement, goodwill no admission of liability about 75% of claim. RBS - Settlement, goodwill no admission of liability about 70% of claim. 2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did PPI Successes PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both. 2 claims settled in full with LV without FOS involvement. 2 claims settled in full with HSBC without FOS involvement PPI Claims ongoing with: Cap one Now with the FOS Barclays. They have now been given a deadline before FOS action. No response so complaints now with ICO and FOS. LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc 1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this.. Post 290 from ***RBS PPI Claim Long fight but, WON*** Please do not PM me for advice as it may be sometime before I can respond. Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI. |
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13th August 2009, 15:23
| #7 (permalink) |
| Basic Account Holder | Re: Paragon PPI I don't think I have received anything like what I asked for. I will scan and post the letter and paperwork received. I notice that I received a one page 'application' from Loanmakers. it is a simple form with no signatures - just my details in type. I also notice that I have no policy documents for my insurance. I may need a lot of advice from you guys as to what I should do next. Will be back later with all the info. Thanks in advance |
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24th August 2009, 14:13
| #9 (permalink) |
| Basic Account Holder | Re: Paragon PPI Think I have got it! I received these together with a statement, payslip, some strange appendices and mortgage deed/charge. Any advice as to what I should do next is very welcome. ltr pg 1.jpg Ltr pg 2.jpg agreement.jpg loanmakers.jpg |
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24th August 2009, 14:20
| #11 (permalink) |
| Gold Account Holder  Free trial on our eBay auction sniper Cagger since : Jan 2007 I am in: The Sunny South.
Posts: 4,335
| Re: Paragon PPI go to Image hosting, free photo sharing & video sharing at Photobucket make account the upload and edit out personal details using the rubber save then post the link into this thread |
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24th August 2009, 14:22
| #12 (permalink) |
| Basic Account Holder Worried about companies stealing your signature? Use our new digital signature service Cagger since : May 2009
Posts: 14
| Re: Paragon PPI |
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24th August 2009, 16:41
| #14 (permalink) |
| Gold Account Holder Worried about companies stealing your signature? Use our new digital signature service Cagger since : Jan 2007 I am in: The Sunny South.
Posts: 4,335
| Re: Paragon PPI thats better glen ill have a look this evening as im using my nokia to browse at the mo and screen not big enough to view docs !! |
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24th August 2009, 21:39
| #18 (permalink) |
| Gold Account Holder Protect your signature with SignGuard Cagger since : Jan 2007 I am in: The Sunny South.
Posts: 4,335
| Re: Paragon PPI Blimey do you know what 180 payments of £355.35 comes to ? well i will tell you £63,963.00. Oh and paragraph (B) that is all a load of bull because that commission you are paying so it is your data. Paragraph (A) is also bull. As it stands they have not complied with your request time to complain to the Information Commissioner`s Office and send another letter to Paragon. PF |
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24th August 2009, 21:53
| #19 (permalink) |
| Basic Account Holder | Re: Paragon PPI PF - thank you so much. I assumed it was a load of BS but I needed someone to confirm. So my next stage is to write to Paragon stating that they have not complied with my request and inform them that I shall be writing to the Information Commissioner`s Office to inform them of same? Should I allow them time to rectify the situation or go straight to Information Commissioner`s Office? Again - thank you for taking the time to look at this! G |
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24th August 2009, 21:58
| #20 (permalink) |
| Gold Account Holder Watch out, there are Claims Touts about! Cagger since : Jan 2007 I am in: The Sunny South.
Posts: 4,335
| Re: Paragon PPI Go straight to Information Commissioner`s Office they know the law and they have broken it. As i have pointed out you are not only going for the PPI but also the commission they paid to the insurance provider. Why should you pay commission that they should pay Good Luck I've subbed this thread so i can monitor it ok. Regards PF |
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