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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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Welcome Finance say ppi claim is statute barred


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Hi

i have been a member for a while and this site has helped me claim back 2 welcome ppi claims already for which i am thankful to the site and its members for giving me the guts to claim against this firm.

 

i still have 2 claims against welcome for a loan and a top up loan to pay the first one off they are now fully paid off however when i have gone back to welcome they were happy to repay 2 of the loans ppi but not the earlier 2 they said these are statute barred because 1 was taken out in 2001 and the other was taken out in 2002 with a final payment in 2003.

 

i completed the original sar in feb 2007 and got some information back however by september they had still not provided me all the information so i wrote to the FOS and they have said because welcome were not regulated at the time they would not be able to help. they said to write back to them as i may be able to persue a complaint through the FOS against the underwriter.

i have contacted welcome and they were not forthcoming with the underwriters name so it has taken me until now to find out who actually the underwriter is.

 

i would like to ask the forum what can i actually claim for as the ppi alone amounts to over £7000 that is with adding the 8% from the cag loan spreadsheet.

 

can i reclaim the following over the 2 loans from 2001/2002

Healthcare = £760.00

emergency homecare = £95.00

Mortgage indemnity fee = £946.00

 

your help in this matter would be greatly appreciated

I think i have all the information to move forward please let me know

 

pudsey2

Edited by citizenB
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Go back to the FOS and inform them that Welcome are not keeping their records properly, they should have this information for at least 7 years after the closure of the account for financial purposes, let alone reporting purposes.

 

The FOS may have records of their own whereby they can find out who the original broker was and then use their own schemes for paying you out.

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Have moved thread to PPI forums :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am not sure they can claim these are statute barred - I think the time starts from when you could reasonably have been aware the product was mis sold.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

First off fos won't be able to help with the PPI part as it is the FSCS who are dealing with Welcome's PPI claims (It is Welcome staff in FSCS uniform)

 

There is no time limit as such on PPI claims so you should be after Welcome on this. The PPI was on their loan agreement, you paid them and they charged you the interest.

 

The MIF may be more difficult but the other insurances are claimable if they were mis-sold.

 

What paperwork have actually got for the loans that have not been upheld?

 

Oh and by the way, given the value of your PPI, the FSCS will pay out 90% of the value of claims.

 

To get a bit more information you could go and have a look at the FSCS website

 

Regards

 

ims

 

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Hi all thank you for reponding at present i have all the statements on the four account that i held and the copies of all agreements that they have provided.

welcom have written letters telling me i am not elegible to claim back my ppi because they were not regilated at that time. i have complained to the fos that they are using stalling tactics and they are to invesigate further.

i have contact the direct group to get copies of the insurances however it appears that they are just generic forms and policy numbers so really no further forward apart from that i have already claimed through a third party for 2 of the agreements and been paid out ppi but not insurances or MIF so if succesfull i would like to go back to them and claim all the insurance back to. the welcome staff wcfs have said i cannot claim as they are looking at cases after the date they were instructed to do after 2003 i think.

can someone advise me on what to do next?

 

many thanks pudsey2

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the FSCS aer dealing with all welcome claims

and certainly are coughing on claims of that age.

 

why are they wriggling?

 

you might have upset them by using a claims co.

which is really eating your profits here

 

do it yourself!

 

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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Hi

 

ok so its out of the time bracket that the FSCS are handling.

 

So you should now be thinking of taking on Welcome head on and that may involve you issuing in court if you want to get this money back. If issuing in court the onus of proof of mis-selling will be on you as the claimant.

 

First off you should prepare a spreadsheet of your claim amount....have a read of No.1 in my signature on how to do this and use the spreadsheet at the end.

 

You would then send Welcome a letter detailing your complaint and giving the reasons why the PPI was mis-sold and requiring them to make a refund. If they fail to do so or deny your claim then you would issue a Letter Before Action giving them another seven or fourteen days (whichever you feel comfortable with) and if they till don't cough, then you issue in court.

 

ims

 

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Hi i have taken out the loans with a apr of 34.1% on 1 and 29.3 on the other they alo have different monthly intrest on which is 2.0% and 1.85% respectively does this have any effect on your speadsheet as the figure i have already calulated using a cag spreadsheet that takes in to account different interest rates?

also should i use the figure "insurance premiums advanced" from the statement that welcome sent me?

 

regards

pudsey2

Edited by pudsey2
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you work out the PPI PCM

 

then use the SI spreadsheet

 

their int rate is included in the PPI PCM you calculate

 

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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link 1 below?

 

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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Hi DX thank you for the info can you tell me what i should be putting on the si sheet

is it the full amount of insurance premiums advanced to the account or is it just the monthly interest on each payment on loan 1

 

i had 1877.91 advanced on the apr of 34.1% and a monthly interest rate of 2.00 according to the finance form provided and on loan 2 1577.71 premiums advanced with an apr of 29.3% and a monthly intrest rate of 1.85% i am a bit confused at what i should be putting on the sheet do you have any examples or pointers at what i should be filing in

 

Many Thanks

pudsey2

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sorry ims21 i have read through the documents and i am still none the wiser if i send you the form i have completed would you be so kind as to give it a look over to see if i am filling in correctly.

i have electronic copies with personal details blocked out? or if any member of the forum has done this in the past would they mind helping.

 

regards

pudsey2

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Hi

 

You can post them up here in the forum, as you say MINUS ALL PERSONAL INFO AND IDENTIFIERS)

 

Use this method by dx100uk

 

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

 

ims

 

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looks like this is more interesting

 

you've had a rebate already

 

and its a rollover

 

but 96 mts blimey they saw you coming!

 

and its a asecured loan

 

and they've chagred a MIF

 

you cant put penalty fees and ppi reclaim on the same soc

 

they must each have their own

 

for each loan

 

workout what % the cash PPI price was of the whole loaan cash price

 

then apply that to your PCM

 

that will tell you what % of your PCM was PPI

 

then enter EVERY PCM payment of the PPI into the sheet for PPI.

 

use the SI sheet

 

for the charges use the CI sheet

 

and welcomes APR

 

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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thanks dx

i know they have charged me 2 x MIF for the rollover do i have to have seperate claims for them and how do i go about it because on the 2 ppi claims they have already paid out i paid £1760.00 in MIF's

and i have not even claimed those back. i think i will need a bit of guidance from the cag team here as i think i am a bit out of my depth.

 

regards

pudsey2

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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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dx is there any chance you can help me sort this mess out as i have to claim back the insurances off four different accounts and the ppi of 2 and the mifs of 4 accounts all at different rates i do have all the paperwork just need to sort out so i can either claim direct or go to court whichever is the easiest. or if you can reccomend one of the caggers to help?

one last thing can i claim back the acceptance fee's?

 

regards

pudsey2

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