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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Claiming PPI from Studio Catalogue


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Hi everyone,

 

I have an account with Studio which is currently in dispute as they have not provided a proper agreement following a CCA Request.

 

I am in the process of claiming back all the PPI premiums ever paid which is in the region of £1500 without interest. I wrote asking Studio to refund the PPI premiums and all penalty charges, they refunded the penalty charges but are refusing to refund the PPI premiums.

 

What I need to know is should I send them another refund request or ask them to reconsider and if after further consideration the answer is not a positive one then they can consider the letter as a Letter Before Action.

 

Any thoughts

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Hi everyone,

 

I have an account with Studio which is currently in dispute as they have not provided a proper agreement following a CCA Request.

 

I am in the process of claiming back all the PPI premiums ever paid which is in the region of £1500 without interest. I wrote asking Studio to refund the PPI premiums and all penalty charges, they refunded the penalty charges but are refusing to refund the PPI premiums. (if you have their refusal in writing you can submit a claim to the Financial Ombudsman Service claiming mis-selling of the PPI) providing you do have a valid claim for mis-selling. Check out the stickies at the top of the forum for reasons PPI was mis-sold here is a link and there is much more info available if you read the stickies......

 

PPI - Some Notes for Claimants.. and this is a longer one with even more links to help you reclaim.

Mis-sold PPI? Want your money back? use these links to help

 

 

What I need to know is should I send them another refund request or ask them to reconsider and if after further consideration the answer is not a positive one then they can consider the letter as a Letter Before Action.

 

This is your call it would be inappropriate for me to offer advice which you may not be agreeable to.

 

So the choice is yours to:

 

write again asking them to reconsider your claim.

tell them you do not accept their decision on the repayment of PPI and that you intend to take further action through the FOS or Court (again your choice on the preferred route)

 

Any thoughts

 

 

All my thoughts are in blue including links to help you out.

 

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 :mad:

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. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

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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Thank you alanalana,

 

I will make another request to Studio asking for the ppi premiums but this time i will also be wanting contractual interest(i know you think 8% statuory is the way to go) in-order to make them take the request more seriously as it more than doubles the ppi premiums.

 

If they dont respond then i will take up the FOS solution or look into the court route.

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Thank you alanalana,

 

I will make another request to Studio asking for the ppi premiums but this time i will also be wanting contractual interest(i know you think 8% statuory is the way to go) in-order to make them take the request more seriously as it more than doubles the ppi premiums.

 

If they dont respond then i will take up the FOS solution or look into the court route.

 

Good luck, you have made a start on the road to getting your money back.

 

Just post up questions as you go along someone will look in to advise.

 

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 :mad:

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. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

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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  • 3 weeks later...

Update:

They wont up-hold my claim and the letter they sent had the following paragraph.

We sell insurance on a non-advised basis and therefore only provide customers with clear balanced information to enable them to make an informed choice. On this basis we do not take into account existing insurance that a customer may have in place nor do we make any recommendation on the suitability of the product

[end quote]

 

Oh and they remind me of my rights to refer the matter to the FOS

Anyone have any thoughts.

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  • 3 weeks later...
Update:

They wont up-hold my claim and the letter they sent had the following paragraph.

We sell insurance on a non-advised basis and therefore only provide customers with clear balanced information to enable them to make an informed choice. On this basis we do not take into account existing insurance that a customer may have in place nor do we make any recommendation on the suitability of the product

[end quote]

 

Oh and they remind me of my rights to refer the matter to the FOS

Anyone have any thoughts.

 

 

I have tried exactly the same with Studio. They refunded the charges but refused to refund the PPI payments quoting the same wording.

 

Any advice on how to proceed would be appreciated.

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I asked for the refund of PPI and they sent letter 1 in reply.(in pdf below)

I asked them to reconsider and they sent letter 2 in reply.(in pdf below)

 

I have read on here that they have paid up after receiving a letter before action but would like a bit more input from other caggers regarding this.

studioppi.pdf

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I asked for the refund of PPI and they sent letter 1 in reply.(in pdf below)

I asked them to reconsider and they sent letter 2 in reply.(in pdf below)

 

I have read on here that they have paid up after receiving a letter before action but would like a bit more input from other caggers regarding this.

 

The letters that studio are sending appear to be their standard response. Yes, I would like some info regarding sending a letter before action.

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  • 4 weeks later...

also like to say i got excellent advice and help from BankFodder re: PPI. Within a couple of days sending letter all PPI dissapeared from my account like it never existed. No explanation/no apologie/no regard to the fact that this may have caused an unfair advantage in there favour. But hey....I havnt finished yet.

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