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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PPI Refunds - How does this work?


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I'm hoping someone can tell me how to go about this and what is the criteria for being able to claim back this money? My friend bought a car on finance and had to take out PPI for £4500!!! They wouldn't let him have the finance without the PPI.

 

I would appreciate any information available.

 

Thank you

RedFox

 

A&L - £435.14 Paid in Full 21/06 - COMPLETED

Barclays - £2447.87 Paid in Full 13/11 - COMPLETED

CitiCards - Offer made 4/10

Clydesdale - £400.00 Paid in Full 17/11 - COMPLETED

MBNA - £800.00 Prelim Sent 28/11

Black Horse - £150.00 Paid in Full 26/11 - COMPLETED

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The first step is to submit a SAR to obtain copies of all the relevent documents. The standard fee for this is £10.

If you need help with SAR give me a shout..

 

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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Hi, I'm in the same boat. Having got "the bug" through writing a rude letter to Barclaycard and getting all of my wife's premiums refunded (only £53.64 but a victory all the same) I would like to do the same for my mother-in-law. Her position is slightly different and is as follows:

She has had, at points, quite large outstanding balances on her MBNA card. When she got the card in 2001/02 she took the PPI because she was worried, due to the size of the balances, that if there was a medical / health problem and she couldn't work, she didn't have enough spare cash to cover the repayments and would default.

When she had a Cancer scare in 2005 she called Natwest (another creditor) they stumped up immediately. MBNA on the other hand said, "Terribly sorry, you're no longer covered because we've changed the rules" She had paid premiums for the whole time she had this MBNA card and is insistant that she was never informed of this change to the policy.

My problem is that she has destroyed all of her old paperwork including anything that she may have signed, boxes she may have ticked etc.

How much information can I ask for with an SAR?

Can I get more than statements.

Can I still claim for her because this card and account was activated pre-regulation?

Any tips anyone......?

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When you submit the SAR they have to supply all Data that they have stored regarding you & your accounts.

If you have any account numbers etc state them on the SAR too.

I would also ask for any transcripts of telephone conversations to be supplied on audio cassette. I did this with Firstplus though the quality of the recording was pretty poor I did manage to clean it up in our recording studio.

 

Good Luck

 

If you need any help give me a shout and If I cant help I know a man who probably will..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.

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Is there a standard letter anywhere i can tweak?

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/25650-reid-lloyds-2-ppi.html

 

I really must get a mod to shift this thread to the PPI section..lol

 

You are welcome to use any of the letters that I used, If you need and help just shout

 

Ian

  • Haha 1

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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