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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/Norwich Union PPI.


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Hi everyone,This is my first time on this topic

 

.I am currently paying off two loans on reduced payments, one with Welcome which is almost finished and one with Norwich Union which is halfway through.

 

The Welcome document shows an optional payment protection insurance for £344 and healthcare for £170.The Norwich Union shows an item for Norwich Union Creditcare Gold for £369.Would I have case to reclaim these charges.Both date back to 2001.

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  • 2 months later...
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Hi everyone,

 

I took out two loans in 2001,

 

the first was with Welcome Finance and

 

the second with Norwich Union.

 

The Welcome loan was for £1300 but I was also sold "optional" payment protection for £344.67

 

and Healthcare for £170. the APR was 57.1%.

 

The norwich Union loan was for £1000 but they also added "Norwich Union Creditcare Gold"

which came to £369.50.the APR was 21.8%.

 

When I look at the loan agreements now I'm amazed to see that the Welcome loan ppi/healthcare comes to 39% of amount borrowed

,and the Norwich Union loan creditcare gold comes to almost 37%.

 

The Welcome loan has been paid but I'm repaying the Norwich Union loan to Cabot(who have bought the debt).

 

Does anyone know if I have a chance of reclaiming these ppi's.:confused:

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Yes indeed you do, get you claim in pronto ;) it was massively mis-sold and was just a money spinner for the financial sector.

 

Read the links at the top of the PPI FORUM loads of info there to get you on your way.

 

Good Luck

 

If you need more help or advice post here and someone with the knowledge will be along.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 1 month later...

Hi everyone,

 

Today I phoned the OFT regarding claiming back PPI.

 

I was told that any agreements prior to 2005 were dependant on the finance/credit card company

being members of the General Insurance Standards Council,

 

if the company was not a member of GISC it could make any claim difficult.

 

Does anyone have any info regarding this matter.

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Hi, The FSA regulates PPI from Jan 2005, prior to this it was regulated (to an extent) by the GISC. Insurance companies did belong to the GISC but Finance comapnies were not compelled to to join.

Ask the Insurance company if they were members of GISC

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Hi PPI-HELP,My claim is against Welcome and is for approx' £780.Do you happen to know what this company is like to deal with.I'm told they have now been taken over,would this complicate my claim.

 

Some info on welcome.

 

305742 - Welcome Financial Services Limited

Current status: Authorised Effective Date: 02/11/2004 Tied Agent:

Undertakes Insurance Mediation:

Registered under Money Laundering Regulations:

Address: Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

Nottinghamshire

NG11 6NZ

Phone:44 0115 984 9200

Fax:44 0115 984 9302

Email:[email protected]

Website:www.cattles.co.uk

Notices: Unable to hold client money.

305742 - Welcome Financial Services Limited

Regulator Name Firm reference number Effective From To Financial Services Authority 305742 02/11/2004

Complaints Officer Address: Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

Nottinghamshire

NG11 6NZ

Phone:44 0845 618 7804

Fax:44 0115 984 9302

Email:

Website:www.cattles.co.uk

Hope this is of use

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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  • 1 year later...

the advertisements, the claims management companies – and most of the lawyers don't understand the principles involved here and therefore they don't know what your talking about.

 

If you claim the refund of payments on PPI which has been mis-sold to you, you are seeking the return of money paid under a mistake. The six years limitation period begins from the date that you appreciated the mistake or the date that you could reasonably have done so.

 

This means that if you only realised that PPI had been mis-sold to you, say, three years ago, then the six-year period began from that moment which means that it would have another three years to run.

 

If it was only reasonable that you could have discovered the mis-selling now, then the six-year period begins now and runs to 2017.

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Thanks Bankfodder,We have had several loans over the last ten years or so,also a couple of credit cards.Can you tell me if there is a step by step guide to reclaiming PPI. From what I can gather it seems more complicated than the bank charges were.

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The claim is not really all that complicated at all Joe.

 

Assuming you do not have copies of all the agreements, your first step would be to send a Subject Access Request (SAR) to your creditors.

 

This is a legal request for them to provide all the information they hold on you as a data subject.

 

There is more information about the SAR on the PPI homepage sticky entitled "full sar for ppi"

 

Once you receive all the documents give us a shout and someone will be along to help you with the next step.

 

Don't forget to send the letter addressed to the data controller at the creditors registered address and post it special delivery, keeping a copy of the receipt as proof of postage.

 

Good luck

 

DJ

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  • 6 months later...

Hi everyone, Does anyone have an up to date address for Wellcome Finance ?.I'm in the process of reclaiming PPI from them.I sent off the first letter in August and got no reply.I used the address on the loan form, Wilford Business Park,Notts.

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ruddington is the mere way address (compliance)

 

things have a habit of going mising

 

send recorded to this address and head it welcome finance

 

Cattles Limited Registered Office:

 

welcome finance

Kingston House

Centre 27 Business Park

Woodhead Road

Birstall

Batley

WF17 9TD

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Beware i got my loan and PPI from Welcome finance and wasted an entire year exhausting thier complaints procedure . Getting no response i contacted the ombudsman who ordered Welcome to issue a final response .

 

The response stated i must direct my complaint to Bluesky Personal Finance and to this day i have no idea why ? something to do with broker ?

 

Bluesky Personal Finance

Tintern House

William Brown Close

Liantarnam Industrial Park

Cwmbran

Gwent

NP44 3AB

 

Anyway i wasted a year writing to Welcome , then another year writing to Bluesky , then another year writing to the Ombudsman , and this week i lodged a complaint against the financial ombudsman service because i am convinced the director actually owns both bluesky and welcome and so it is he whom ripped me off to begin with .

 

Its been a total waste of time for me but i wish you luck .

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  • 3 weeks later...

Hi everyone,I complained to Welcome Finance in August re PPI,today I received a letter from them (Final Response) they state that my complaint "is outside the relevent time limits."

They go on to say that "The rules of our regulator(FSA) state that where a complaint relates to an event that took place before 27 February 2003 we are not required to investigate your complaint.Sales of insurance made before this date were the responsibility of the insurance provider,not the broker who sold it"

They say as a result they have not investigated my complaint,and that if I am not happy with their decision I should deal with the FOS..within six months.

I really detest these bottom feeders and would be grateful for any help.

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