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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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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.
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Daily Record - Thursday 9th November 2006


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Just to say that the Daily Record Newspaper are running an Article on Payment Protection Insurance on Thursday 9th November 2006.

 

I had a good long chat with their Journalist last night regarding this and information that I had previously supplied to her. She will be using one of the PPI policies that I was mis sold as an example of how much these policies can really cost. Hopefully it should make some interesting reading..

 

Have also been asked if there is space would I mind a photo going in...arghhhh dont want to scare her readers off now do we..:D

 

Oh Companies named and shamed...Purpleloans Ge Money and Firstplus..:lol:

 

Have also Mentioned CAG website so hopefully the site will get a mention too. :)

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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This is the main story that was printed in todays Daily Record, I passed on a lot of info the the journalist regarding this . My story will be added soon, one i figure out to get a scan attached. They never used my photo in the article..Told you I was too Ugly..lol.

 

 

Don’t Be So Sure

Complaints prompt the FSA and OFT to probe payment protection plans

(By Alex Morgan – Daily Record Thursday, November 9, 2006)

Payment protection insurance is being tipped as the next big financial mis-selling scandal

PPI is supposed to cover your monthly loan or credit card payments if you lose your job or become too ill to work.

But the policies sold by high street and internet lenders, and card providers, tend to be massively overpriced and difficult to claim on.

The PPI industry rakes in around £5.5billion worth of premiums a year , But only 20 per cent, or just over £1billion, is paid out to customers – meaning the rest is commission for the sales people and profit for the providers

This compares with around 75 per cent of car insurance premiums which are returned to policyholders in the form of payouts.

The industry claims only 15 per cent of claims are turned down, but charity Citizens’ Advice says 85 per cent of its clients who claimed were unsuccessful.

As a result, financial experts say as many as half of the UK’s 20 Million or so policyholders may have grounds for claiming they were unfairly sold or the cover is inappropriate.

According to low-cost independent provider BritishInsurance.com, although individual payouts might be relatively small, it could result in a bigger overall payout than the mortgage endowment mis-selling scandal.

Both the Financial Services Authority (FSA) and the Office Of Fair Trading (OFT) have issued damming reports highlighting lenders’ failure to explain policies properly, and to ensure customers understand the complex exclusions that can prevent them claiming.

At the end of October, watchdog the FSA fined Loans.co.uk £455,000.00 for failing to treat customers fairly when selling PPI.

Margaret Cole, the FSA’s director of enforcement, says “we have highlighted payment protection insurance as an FSA priority due to the potential level of risk to consumers.”

The OFT is so concerned it is planning to have the Competition Commission investigate the PPI market.

Pula Houghton, personal finance campaingner for the consumer organisation Which?, says: “Which? Has said for years that bad practise is rife in the PPI market. It is simply not delivering adequate protection for consumers.”

Here’s what you need to know to ensure you don’t end up paying through the nose for cover you can’t claim on.

Comparison of PPI Costs

The annual cost of payment protection insurance for a £250 a month loan repayment.

Paymentcare.co.uk £118.50

Britishinsurance.com £120.00

Masteloan £559.80

Moneyback Bank £617.70

Alliance & Leicester £627.90

Abbey £711.60

Direct Line £752.70

Royal Bank Of Scotland £769.50

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Couldnt get the article uplaoded in a PDF format which is much better quality...

 

Have retyped the Story here to make it a bit clearer..

 

Case Study…

Ian became victim of purple power.

 

Ian Reid has no doubt he was mis-sold the PPI policy he took out alongside a Firstplus loan arranged with lender Purple.

 

The 47 year-old service engineer from Dundee, became concerned about what he had signed up for when he checked the small print after Purple offered him a top-up loan.

 

Ian says “ at the time I took out the original £20,000 loan, the salesman told me that if you don’t take the insurance you will have a problem getting it.”

 

In fact PPI is optional and the salesman should have asked if Ian already had sufficient insurance.

Because of the way the interest was calculated, the PPI was costing him almost as much as the loan. Ian Worked out that over the 15-year he would be paying a total of £55,000 - £37,000 for the loan and £18,000 for the PPI.

 

He was originally told if he didn’t claim he would get a refund of his premiums, However, the small print revealed he would not be eligible if he took the offered top-up.

 

Ian has since moved his debt to Northern Rock, where the interest rate is considerably lower, and taken out a stand-alone PPI policy through paymentcare.co.uk which works out at around £40 a month cheaper than his old one.

 

He is now pursuing a compensation claim against GE Money – Purples parent company. He says “I will take them to court if I have to.”

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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well done reidnet, letting every one know what tricks these institutions get up to, can only be for the good...:D 007

 

Yeah, I did of Course send them a copy of the article..lol, mmm they never replied as yet though.

 

And Today I sent off full complaints to the FSA, The OFT and the FISA..well I thought if i was going to complain I might as well make a good job of it..lol.

 

Looks like the Touchpaper has been lit, Just wait for the Flash and Bangs to follow..lol

 

I am thinking about uploading all the Correspondence regarding this claim now that it has actually gone to the press..Only prob there is a lot of correspondence..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Is it possible to scan, copy and paste a document to this site?

I would like to post a copy of my sons credit agreement from Lloyds which shows the PPI.

I am not sure if it is going to be possible to submit a claim.

Any help appreciated

Thanks

pam

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  • 3 weeks later...
Is it possible to scan, copy and paste a document to this site?

I would like to post a copy of my sons credit agreement from Lloyds which shows the PPI.

I am not sure if it is going to be possible to submit a claim.

Any help appreciated

Thanks

pam

 

 

You can scan documents but you need to upload the file to a fileshare site and set up a link to it. If you need help give me a shout, If your really stuck you can email me the scanned image and I will pit it on a shrared area of one of my websites for you

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

You can scan documents but you need to upload the file to a fileshare site and set up a link to it. If you need help give me a shout, If your really stuck you can email me the scanned image and I will pit it on a shrared area of one of my websites for you

 

Ian

 

Thanks Ian

Can I scan & email it to you please as I am not sure how to do it any other way.

Thanks

pam

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No problem Pam..

either email via here

or [email protected]

 

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

  • 3 months later...

Just an Update,

 

The Daily Record are running a follow up to this Story on Thursday 8th March 2007..which is aimed Directly at GE Money / Purpleloans..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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ian need your help my spreadsheet is ready to go back to welcome iam reading about FLA & othersorts can you give me info on them & should i contact them before i go further Archie

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