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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • 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  
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Ford Credit PPI - FOS say No!


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Hello

 

I need a bit of advice. Ive recently started a claim against Ford Credit for a mis-sold PPI policy when I bought my car in 2004. I was told by the salesman I would need to take out PPI (their platinum policy!) in order to get the credit, he said this was because my credit rating was not very good and they needed to be protected.

Anyway the loan was only for 3 years and it was finished in 2007. I wrote to Ford stating why I was mis-sold and I got the standard letter we are looking into it.

A few weeks later I had a responce from them saying I was not entitled to a refund because I had signed for it and then recived the policy documents in the post. I sent another letter asking them to reconsider and I got a final responce letter from them saying they were not present at the sale so can not verify what was actually said by their salesman.

I proceeded to report them to the FOS, anyway a few weeks later I have been told by the FOS they cannot investigate as Ford were not registered when I took out the PPI.

Where do I stand now and where do I go from here?

Please help I dont want to give this up?

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Try the FLA (Finance & Leasing Association)? Ford should have told you at the bottom of the final response letter who you could refer the complaint to and how long you had to do this, usually its 6 months.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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GE Money said the same to me, then changed it to FLA in the final letter. Perhaps just call the FLA and ask them about if Ford is a member.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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my exprience of the fla is DON,T BOTHER :mad: .they are nothing more than an extension of the banks that are members .the fla do not regulate or can tell the banks what to do,whether it is right or wrong:mad: .i wrote to them in nov ,ge sent a letter back word for word what they sent me 2 months previous.fla IS funded by the same bank you are complaining to.go to cab and they will assist you in making a small claims action.this is the route now for me .

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  • 2 months later...

hi

 

we had a ppi with ford credit [platinum cover] never recieved policy through post, also took it out on a car in dec 2006 have just traded car in for another one declined the ppi, i am self employed with a business and was at the time of taking it out, they also never metioned any of the usuall questions i'm hearing of ie:- exsisting conditions do u think it is worth trying to reclaim it many thanks

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Hello Mishel,

 

do not despair. I am not totally familiar with car credit but.....

 

Firstly have you submitted a SAR to Ford credit? asking for all the information relating to the Consumer agreement.

Do you have the original paperwork for the agreement?

 

The first letter from Ford credit is a standard fob you off letter to make you go away.

 

I got a final responce letter from them saying they were not present at the sale so can not verify what was actually said by their salesman

 

So these people do not keep records! How Clever is that? so how do they then state the PPI was not missold?

Ford may not have been registered at the time you took out the loan but they have to be regulated by someone!!

 

I will make a few visits online to see what I can find out about Ford credit and get back with any relevant information as soon as possible.

 

A possible problem is the timescale the FOS cannot deal with any PPI issues prior to 14 Jan 2005 as that is when the FSA stepped in with directions on the PPI issue.

 

Chin up

 

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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Hello Mishel,

 

this is a link to the Financial Services Authority (FSA) and Ford credit is definately on the FSA register so a complaint to them may help get the ball rolling:D

 

FSA Register

 

This is the information from the FSA Register search on FCE Bank plc

Basic details for:

 

204469 - FCE Bank Plc

 

Current status:Authorised Effective Date:01/12/2001 Tied Agent:Undertakes Insurance Mediation:

Registered under Money Laundering Regulations: (this is the link to MLR 2007 http://www.hm-treasury.gov.uk/media/F/1/money_laundering_regulations2007.pdf

Address:

Central Office

Eagle Way

Brentwood

Essex

CM13 3AR

Phone:

Fax:

Email:

Website:

44 01277 692 900

No email address supplied

Notices:UK authorised firms who have a deposit-taking permission do not usually need to obtain separate permission from the FSA to receive money from clients.

 

Ford credit are listed under FCE Bank plc so let me see what else I can find for you.

 

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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hello again,

 

the FCE are not members or associate members of the British Bankers Association ( Now there's a suprise )

 

This is the link to their website:

Fce Bank Plc

 

More to follow if I can find anything for you

 

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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Mishel please check out these additional links

 

FCE Bank Plc - Company Overview

 

This website shows you are not alone in you dealings with FCE

 

Kommisar vs FCE Bank plc - Penalty Charges Forum

 

Ford's FCE Bank plans 5-year euro bond -lead | Deals | Regulatory News | Reuters

 

and one from moneysavingexpert forum

 

PPI on vehicle finance - MoneySavingExpert.com Forums

 

http://www.mylocalservices.co.uk/Hertfordshire/Financial_Advisers/2026331/F_C_E_Bank_Plc.htmlAll of the above are FCE Bank plc links of one sort or another. Yet another large organisation being greedy.

 

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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Mishel,

 

I would complain to the FSA and the head office of Ford Credit (FCE Bank plc) about their underhand refusal to refund missold PPI.

 

hope all of the above helps your cause

 

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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i don,t think it is timescale that governs a complaint the fos takes on.the company being complained about had to be members of organisations that were disbanded upto jan 05 ,like the gisc ,ring fos they will tell you if they can help .

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  • 4 years later...

Check PPI application paperwork to see who underwrites the policy - I have a claim which I initially approached FCE plc about - it was cover sold in conjunction with finance taken out on a Ford Fiesta in 1997 via one of their dealerships, where, I too, was encouraged to take it out to help my application. FCE returned my claim with the usual excuses. After discussions with the FOS, I re-checked my paperwork and found the original PPI underwriter to be one Consolidated Life Assurance Company Limited. This company's policies are now administered by Windsor Life Assurance Company Ltd, based in Telford. I am now progressing the claim through them. You'll get nowhere with FCE despite the fact that the policy was sold by their employees.

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