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    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
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So reclaiming my PPI, how far back can I go?


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In my earlier years I have had several loans, card and store credit agreements where I had taken out the PPI as I thought that it was required to get accepted, now I know that this is not the case.

I would like to know how far back I can go with my claims and also what happens when providers change (Barclaycard took on the Goldfish Credit card business who in turn had taken it on from Morgan Stanley I believe), would the current provider hold the records of the previous companies and would they be liable for all PPI claims?

 

From memory I need to serve data protection requests on:

Northern Rock

The AA

Lloyds TSB

Barclaycard

Capital One

 

How far back can I claim, the Lloyds Loans were 15 years ago, would I get this information and would they pay?

 

Should I just go for the two current credit card providers I have been with for about 10years (can I get corrspondnace that far back with my request?) or serve data protection requests on all of the providers?

 

Thanks,

 

Carl.

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as such there is NO time limit

 

regardless to what these stupid claims companies sprout about in adverts

 

its 6yrs from WHEN YOU BECAME AWARE you were mis-sold the insurance.

which is today?

 

your only 'barrier' might be paperwork on those going past 6yrs

 

typically if you have the agreement and or statements - its gameover for them

 

have a read of the NEW PPI FAQ PDF's on the FOS website

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well DX I looked at the news the other day and thought that basically when I filled in the applications there were no real explanations of the exclusions in the PPI (and I have a medical condition that pre-existed both cards and at least one of the loans), so I guess that's when the 6 years start.

Anyway I have the address for the Barclaycard DPA letter but try as I might I can't find the page where the address for the Capital One letter is (was on a page with a list of address for cards and banks), can you help?

Also which SAR letter should I use, I found two will either do?

 

Sorry can't link until 20 posts.

 

Thanks.

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  • 3 weeks later...

Got a big stack of paperwork back today from Barclaycard and included was the original application form from 2002 which was Morgan Stanley, this is where it get interesting, yes I did tick the box is 2002 to request ppi, but there are no T's and C's on the form for the ppi so nothing is explained, so I guess this means it was missold?

Also at around the year 2006 Barclaycard took on the business from MS and automatically applied an AXA ppi policy to my account, again without consultation, so as I had had time off due to stress I guess this was missold as well.

I guess whatI need to know now is:

 

1. as the MS application never explained the T&C's is it mis-selling?

2. as Barclaycard never consulted and just changed the policy is that mis-selling?

3. are Barclaycard liable for both PPi claims or just the AXA part?

 

Still waiting for the Capital One stuff to appear but they have always been the provider and have already been prosecuted for mis-selling so that should be a bit more open and shut.

 

Carl.

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Drcarlos,

 

The answer to your questions is yes, yes & yes.

 

Assuming you do not have statements going back to 2002, calculate the premiums for as far back as you do have statements for and apply an average monthly payment for the remaining months.

 

Eg. If over say 60 months you had paid £600 in ppi charges that would average as £10 per month.

So 48 months x £10 = £480

 

Remember to do the simple interest calculations from the date of each repayment until now.

 

Good luck

 

DJ

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