Thanks everyone for the reply, see the attached note for the back of the form which was also sent to me.Please let me know what exactly i should write on the form. thx

Right. Thanks very much for your reply, its just that I have never had to do this before, I will read up on the sections you mentioned in the post. My first question is, what do i do now ? On the form that was sent to me, there is a section saying making representations. should I fill this in or what ? Thanks for your guidance.

Hi Sorry, It was not a PCN, the letter says notice to owner. I have now attached the letter below:

Hello Everyone, On the 23rd of April I mistakenly parked on a resident bay to pick a document up as i didnt realie it was a resident bay, not knowing that i am being watched by some parking officers, as soon as i stepped out of the car to pick the document up. I came back less then 2 minutes later to find that an enforcement officer was about to start writing me a ticket, I tried to explain to him that look, I am already here and besides you only just started to write it, to my annoyance, I drove off, he didnt have the chance to write the ticket before i drove off. Now 6 weeks after, I got a letter in the post saying that the offier served me with a notice and that i should now pay 120 quid. Now, I am not an expert in such matters, but these are my points. In the letter, there were no photographic evidence placed along with it. Can the charge be denied 6 weeks after the alledged offence, is there like a specified allowed time for councils to serve a notice etc. Also, now i wasnt even given the option of paying a reduced rate at all. Where do i stand here Thanks in advance.

Thanks, see attached first page. let me know if other pages are needed. thanks

I also have a Lloyds loan here, can someone also confirm if the agreements are right especially the calculation: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/181889-sent-lloyds-cca-request.html

Hi All I have a CCA from lloyds and have just been told by a mate that the way the amount has been calculated means that its short of about 9 pence per month, and this constitutes a breach of the CCA act. Can someone confirm ?

Hi MAte I have just placed a comment on the post, my mate said that the way the amount payable has been calculated means that its not the exact figure about some few quids over, he said this constitutes a major breach

Hi Mate Just heard back from the other chap that had it checked, he's saying that there is a mistake on the amount payable, I have been told there is an inconsistency of less than £20 or so. I was informed this constitures a major breach. please advice

Hello Everyone Can someone please help me check this agreement, TSB sent me yesterday , 3 months ago, they sent me a bunch of terms and conditions, now they have come back with this one. Attached with the package is a bunch of terms and conditions with my name on the first page, a signed latest copy of the statement. See attached. thx guys

Hi Guys I got a CCA finally from lloyds yesterday on the documents sent, this attached document, some sets of terms and conditions with my name on it and also a signed copy of latest statement. Please can someone kindly check for me. I have taken out account numbers etc on the document.

Hi Everyone, Would someone be kind enough to chek this agreement for me please, not sure whether its a good idea to have the figures on it.

Hi All Can someone please help me check the CCA on the link, I have been told by a mate that its unenforceable. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/179970-phil-hsbc-loan-see.html#post2184665

Hi All I just got told by a mate that the attached agreement is enenforcble, can anyone else comment please ?

Just to also add to this, I was planing on including the loan statements that were sent to me by lloyds & thier final letter telling me to refer the matter to FOS. Is there anything else that i need to include. Thanks.

Hi AA, I have tried to get a letter from my GP stating that I have got diabetes and also hypertensive as well, but i am compiling the letter to send to FOS. Can you please check the letter below, as i am including it in the pack, what other document should I also include to support my case, also I'm on a DMP at the moment and paying reduced payments on the loans, as the PPI is still active on the loan, i have a feeling that the PPI itself might be null as it stands now, but i'm still paying for it. --------------------------------------------------------------------- Payment Protection Insurance for Loan Number xxxxxxxx and Loan Number xxxxxxxx References: Full Subject Access Request CCA requests for the said loan reference numbers xxxxxxxx and xxxxxxxx Loan Statement Accounts With regards to my letter sent on the xxxxxxxx 2009, I do understand and realise that investigations are still ongoing, but I would like to point out that I believe this matter isn’t being taken seriously as it should be, and also I would like to remind you that I have been reasonable in allowing eight weeks for the investigation before I refer the matter to the Financial Ombudsman Service, I would also like to make you aware of the following points as well. I believe that I was mis-sold this policy for the reason(s) given below, and wish you to investigate my complaint according to your normal complaint procedures. I am now convinced that I was mis-sold these PPI policies for the following 7 reasons: 1. Responsibilities When Underwriting a Policy of Insurance: On each occasion, when the details of a loan were discussed Your sales advisors failed to check my personal circumstances at the time of the sale, which they are under obligation to do when underwriting a Policy of Insurance. If they had done so, they would have realised that the PPI policies were useless to me. At no time was any attempt made to ascertain if the product provided was fit for purpose, suitable for my needs or if indeed it was required at all. 2. Alternative Insurance Cover: Your sales advisors in each case failed to ask me if I had any alternative arrangements for insurance cover. My employer has a generous illness package which would cover a period of sickness and a substantial payment would be made in the event of my death in service (more than suffice to clear the balance of the loan). 3.Failure to Supply Important Information with Regard to Significant Policy Exclusions: I was most definitely not informed that the PPI policies could contain certain exclusions which could affect me and my ability to claim on the policies if I should need to. Additionally I was never told that Pre Existing Medical Conditions could invalidate my policy and I was never asked if I had any Pre Existing Medical Conditions. Indeed your Loan Customer Duty of Care Checklist and the Loanguard Certificate of Insurance to which the Customer Duty of Care Checklist refers (forwarded under cover of Reference N) contain no reference to any Pre Existing Medical Conditions or includes any questions to me on the subject. I am in fact a diabetic and hypertensive patient who needs constant medical checks and subject to constant daily life saving medication. 4. Wholly Inappropriate PPI Selling Bonuses: I understand that some employees are paid higher bonuses if they get prospective creditors to take out PPI with loans. How can the best interests of the customer possibly be met, if there is a clear conflict of interest between your responsibilities to me, and the drive of your employees to sell Payment Protection Insurance whether it is suitable or not in order to receive bonuses? 5. True Nature of Single Premium PPI Not Explained: No explanation was forthcoming from any advisor on any occasion on the full extent of single premium PPI policies or the fact that they would offer little or no refund if the loan was settled early or if the insurance was cancelled. The statements you have forwarded on accounts xxxxxxxx and xxxxxxxx, show no element of any refund of PPI or PPI interest when the accounts were settled on refinancing. There was also no explanation that the cost of the PPI premium would be added to the total cost of credit and interest added for the full term of the agreement. I believe this practice is unlawful. 6. Unfair attachment of PPI with no competition involvement I now believe that the single premium PPI policies attached to the loan accounts were both extremely unfair and totally unreasonable and offered me very little, if any protection value whatsoever. Furthermore I believe in light of the preliminary finding by the Competition Commission that the PPI was unfairly attached as there was no opportunity for me to seek competitive Insurance. I am therefore requesting a full refund of all costs including all single PPI premiums that have been paid, the interest added to these premiums and the PPI proportion of the direct debit payments, that I have paid over the life of the account agreement. 7. General Miss-selling of the Insurance: At the time of the loan application, I was informed that the payment protection came together with the loan as a package and could not be separated, I was also made to believe that taking out the payment protection on the loan would mean that the application would be refused. What I require Your concealment of the act of mis-selling has prevented me from asserting my right until now. I believe that there are strong grounds for action against you under common law, statute and consumer regulations. Loan number: xxxxxxxx The original premium was £3,435.16 added to the loan number xxxxxxxx amount on the 20th December 2004. I presume that interest at xxxx % was added to this amount.(unless you can inform me otherwise). Interest £xxxx Total amount £xxxx. The Statutory 8% interest (S69 of the County Court Act) allowed by the Courts will amount to £xxxx Making the total amount payable at the Court Stage £xxxx. Loan number xxxxxxxx The original premium was £4,802.72 added to the loan number xxxxxxxx amount on the 27th February 2007. I presume that interest at xxxx % was added to this amount.(unless you can inform me otherwise). Interest £xxxx Total amount £xxxx. The Statutory 8% interest (S69 of the County Court Act) allowed by the Courts will amount to £xxxx Making the total amount payable at the Court Stage £xxxx. In light of the fact that the account has always been fully up till date up till January 2009, a total of £xxxx has been paid towards the payment protection, The Statutory 8% interest (S69 of the County Court Act) allowed by the Courts will amount to £xxxx, making the pro-rata amount payable £xxxx. My targets to resolve this matter I am writing to ask you to refund the premium paid together with interest equal to your APR at the time under the accepted principle of mutuality and reciprocity. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive this payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that this time frame is sufficient for a large company such as yours with its dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully,

should any letter be sent again apart from SAR ?

I think the SAR option is a good one, they are indeed proving a little difficult. They said this could only be done on the phone, dont know if its already been ordered. Does anyone know an address to write to, I told them i prefer to write in, but they wouldn't give me an address either. Does anyone have an address for HSBC SAR

Hi Yes They gave the 14 days notice, but whats the situation with the actual CCA, they refusing to accept that the account is in dispute, and treating it as business as usual despite over 4 letters written to this effect. Any ideas thx.

Guys, Any advice here please ?

HSBC are now looking a little deperate, they threathened me to make payments ASAP, but at thesame time they also sent me a really good offer for a managed loan, reduced interests to next to nothing, also stated that reduced payments can be made for an indefinite period obviously until debt is fully repaid, problem is that they are still adding the credit card element to it which is unenforceable, at the moment I am still paying them what I can afford (Personal loans) only. What letter can i send to them now since the credit card guys and HQ are 2 seperate people I'm now dealing with.

Cheers AA, I found the form online and would attempt to fill it in and send it this Bank Holiday. What cna of supportinf docs can i include from my perspective to make my case stronger ? All previous letters to lloyds? Cheers

thanks AA for the information, I have got Diabetes & constant high blood pressure , these 2 conditions were not mentioned in any document that I have, where do i stand here ? Cheers, can i file FOS complaint online ?

Guys any advice, Still have PPI running on the loans, with the first loan. around 4k outstanding, if i won a PPI claim and got refunded all the charges, then we talking debt completely written off. Debt 2: around 14k oustanding, although PPI + interest makes up around 6k or so, been running for nearly 2 years and if i were to tell them to cancel it now, i think i would only get about 50% of money back. Now that Lloyds have said that the matter can be referred back to FOS, this can take almost another year to resolve and I can well loose, who knows. Can i reach a settlement with Lloyds now or what approach should I take ? Cheers

cheers for the adviec mate. Already CCA's all creditors, the credit card ones are defaulting by senidng me T&C's only, but arrears are still building up and interest is still being added. I have read on various posts that banks can offer discounted one off payment to close the matter, I have not been offered this yet ? What triggers this process or what needs to happen before this is triggered ?