Ok, so we got sent one of these ANPR type tickets from Smart Parking the other month for overstaying at an ASDA car park. I wrote to them appealing ticket and they since have written back with photos of the signage and dismissing my claim. They gave me my POPLA number and so I have begun the appeal to POPLA. Not sure if im missing something here but nowhere on the POPLA website is their anywhere to state why you appealing just some tick boxes and personal data. How does POPLA know my grounds ?

Really? Wow. I was talking about Credit cards and loans really.

I also have a query relating to Statute Barred status, which I hope some kind person can steer me in the right direction. When does a debt become SB. Is it from the date the creditor last recd payment of the debt or is it last time they recd communication from debtor. Much Obliged

WOW !!! really ? thst doesnt make much sense.

Splendid. thank you.

Ok, am after some help here please. I have trawled the forums from cover to cover and cant seem to find the definitive answer I require. I am trying to help sort out a claim for a family friend. He was going to deal with one of those SPAM PPI reclaim companies as after reviewing his personal circumstances, he was clearly MISSOLD this policy. I told him we can do for nothing with help from the forums. At first I thought it was simply a case of taking the amount of PPI amount that was front loaded and applying a 8% charge for the reclaim, but the more I read, the more detail and complex it seems to be getting ( am I wrong ?) He took out a loan with First Plus back in 2007 which had PPI as a single premium added to it. To date the loan and PPI is still in effect. I have ascertained that the proportion of his monthly payment equates to 16.6% of his monthly payment, and have calculated what amount each of his monthly payments was for PPI. (made easy by the spreadsheet, thank you BTW) So if I got it correct, I have added all these amounts together (well the spreadsheet has, excellent bit of kit) and got a total amount of charges plus an interest amount for the reclaim. Now this is where Im getting a bit confused with reading too many others post I think , but what Im not grasping is what do I do about the remainder of the payments. The loan was for a period of 7 years and has 2 years remaining. The PPI was front loaded at the beginning and so will have had interest added to it for the entirety of the loan. So wont technically speaking the remaining of the 2 years payments have an amount of PPI still included within it. Or is this something that First Plus address and recalculate the loan and payments to a position they would have been had he not taken out the PPI in the first place. So in effect reduce the monthly payments accordingly for the remainder of the term. (Not sure but have I just answered my own questioned?) Any guidance, gratefully received. Oh didnt there used to be a template letter library on CAG, not that its hard to churn out a letter I suppose.