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  1. Hi there. There has been a rash of recent adverts on social media about car finance miss-selling, overcharging of interest and secret commission. Admittedly, these all point towards no win no fee sharks, who would do anything to make a fast buck. However, I wonder if there is any mileage in pursuing something like this. Both my wife and I have had varying PCP agreements over the past few years, namely Ford Credit, Black Horse, Oodle Finance, Moneybarn, and First Response Finance. With Black Horse, I recently submitted a VT on my vehicle, was told it would be £1800 settlement as I had paid less than half the PCP agreement. However, upon inspection (and coupled with a recent increase in use car values), the final settlement was less than £400. I couldn't afford to pay all this in one go, but they happily set up a payment plan for me over six months. They also happily placed a default on my account - after telling me on the phone - but without sending me the required default notice. Any advice on how to claim for miss-selling on any PCP agreement would be really helpful, and especially help with Black Horse. I have looked around the site, but couldn't find anything - could well have looked in the wrong place. Many thanks.
  2. Hi there. I have had a few letters come through regarding this - latest one being this delight. Anything I need to do with this yet? Many thanks. dr+ letter.pdf
  3. Sounds like I’ll need to do some more digging then. If I remember correctly - many years ago I know, there were a chain of loans, and recent letters have come for two different accounts. I think the way I’m heading is clarification - which, if you guys agree, I’ll do in writing.
  4. Yes, definitely. It was never passed to anyone else.
  5. So bearing in mind I have certificate of completion, RBS have said in a letter that I have arrears and that the PPI refund has been sent to the Debt Management Operations for processing. I feel I should challenge this, but not quite sure whether it should be by phone (quicker) or letter. What I don’t want to do is take up any statute barred debt, that should have been written off in any case.
  6. Yes. I do have a certificate of completion, many thanks.
  7. Hi there. in November, I received a letter from RBS stating that they were looking to pay out an amount of approx £1400 for an old PPI claim, that had not been accepted previously. They do make reference to making checks first before making the payout. i heard nothing from them until end of January when they stated that they identified arrears. The processing of this part would take another 28 days. My concern is that this was part of an IVA, which completed in November 2013 after a 6 year IVA and I have seen reports of debts being attached to IVA. However, it is over 7 years since completion, and I believed that any debts would be statute barred, if not written off law the IVA. I have also since received a separate letter offering payout of £2700 for a separate RBS Loan. I wonder, how this one will proceed bearing in mind the progress of the previous claim. potentially, we could be receiving up to £4100 in PPI Payouts, but worse case - it could be ALL put towards the old debt. How should I contact RBS about this? Or should I just let it run its course? As a family, any payout would greatly help for the additional sensory needs of my children. Also, I acknowledge (off the record) the banks position. Any advice would be greatly appreciated . I can post screenshot of letter if need be. Many thanks.
  8. Merry Christmas Eve everyone. Guess what arrived in the post this morning.....? This delight. As predicted above, the 'discount period' has now passed and the cost has increased - with the threat of more costs being added. Just what my good lady wanted in the Christmas post. Another group on social media suggests the use of a 'three letter process'. Having not seen this process on this site, is it something that anyone on here advises? DRP171220.pdf
  9. Definitely, and from experience of a different car park ran by the same cowboy operator - the signs were not clear from a drivers perspective on the main road. interestingly enough, I won a previous appeal to this operation based solely on their inability to prove landowner authority. Just to clarify, I do nothing else with this one now? Only asking as it’s a different course I have taken previously and I need to be confident I’m doing the right thing by not appealing.
  10. Many thanks Dave. Photos attached as promised. Finally had a chance to look round yesterday - not an easy place to find, and thats before I look for decent signage. ECP Arcadian Signage.pdf
  11. Update. ECP have now sent out a new NTK to our new address. Date issued now reads 02/10/20 with the date of infringement 29/08/20.
  12. Many thanks for this , just gives me something to go on. My wife tends to give into these things. As it happened, I am aware ‘the driver (not being disclosed) thought it was free parking, stayed for less than half hour. I was informed that there was nowhere to pay for parking - even if there were parking rates enforced. Many thanks. I’ll get that in the post tomorrow, signed by my good lady of course seeing as she is the registered keeper. Saying that, I’m thinking, maybe address the letter from me, stating this is the keepers new address.
  13. Many thanks everyone. I’m coming back to this as Savvy have now placed a default on my credit file. I’m looking back through my email history and will be sending a complaint to them.
  14. Hi there, Just doing the letter to ECP. Content will be. Dear Sir, Ref xxx I am writing with regard to the above NTK dated xx. Please be advised that I have moved home recently, and this has caught up with me at my new address. Anything else I need to add, especially as I've been advised not to appeal. What will I expect from this if i don't appeal and say nothing? NTK.pdf
  15. Many thanks, we’re both working through change of addresses. Our driving licences and V5C’s are at our new address. This one slipped through before DVLA has our new address. So what’s the thoughts ref this NTK?
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