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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Loz14

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Everything posted by Loz14

  1. Loz14
    Thanks! We will appeal and see what happens! Long shot it seems.
  2. Loz14
    Thanks! You make some very valid points!
  3. Loz14
    Thanks for the reply! I'm not suggesting that this is what we will use as a defence, but looking for advice on what reasons we can site as a ground for appeal. What constitutes as a fault/flaw on the pcn? I'll have to check out the road signage - but somehow suspect local Council have this covered, but you never know. I just feel its a bit unfair to issue a PCN when there was no attempt to avoid parking charges - a voucher was displayed as opposed to the pay and display ticket. A limited number of resident vouchers are issued to each address per year and quite honestly pay and display would have been the preferred option had we have known the voucher was not permitted. Furthermore, if we cannot use this in defence surely there is a case to have the voucher replaced?
  4. Loz14
    I agree! I have not yet signed their acceptance and asked for them to provide a breakdown to include dates. I had also asked them to not only reimburse PPI but to reimburse the Additions account premium as I believe that the whole product was mis-sold and not just PPI. They had not responded to that part so have written another letter to tackle this point along with asking for the dates breakdown and to cancel the PPI as they are still deducting! They do like to draw this out don't they! Thanks for your help today much appreciated
  5. Loz14
    OK - I got access to the s/sheet and painstakingly filled in the date details - bet there was a formula I could have used to have made it quicker Based on Barclays PPI figure of £427.20 and if I start from 1/1/1998 this takes me up to 1/10/2012. The spreadsheet has calculated interest at £262.04 making the total £689.24. So there is a slight discrepancy which I can only assume they started from a later date in 1998? I still don't see how it could be in the £1000's?
  6. Loz14
    I don't have Excel on my laptop so will have to try it on my work PC - out of interest using £2.40 per month - what was the total amount you got?
  7. Loz14
    I think the monthly premium was around £2.40 per month since 1998 (actual date not known). Barclays have calculated £427.20 in PPI payments and included 8% per annum compensation (simple interest) which equates to £230.91. Still not sure how they got this figure?? Total refund £658.11. Based on these figures what would you expect the refund to be?
  8. Loz14
    I didn't do a spreadsheet but do intend to respond to ask them to provide calculations as they have not given any dates as to what period the refund covers. They are still deducting PPI so need to request they cancel and to make sure that the refund covers the entire period for the charges - so not completely resolved but its a start! My PPI premium was a small amount so unfortunately not in the 1000's but it all helps
  9. Loz14
    Hi, My friend has just received a PCN for parking in a pay and display zone using a visitors permit! She was parked there for 2 hours displaying a resident visitors permit - we honestly thought that permits were valid for the whole street. The street has pay and display at either end and permit parking between. Do we have any grounds for appeal or can anyone suggest how we might be able to successfully challenge? Thanks Loz14
  10. Loz14
    Good news! Received a refund from Barclays for mis-sold PPI - thanks to all for your advice!
  11. Loz14
    Just wanted to give a quick update - received a further letter from Barclays (which judging by the date, means our letters crossed and they therefore would not have received my reply to them to ask to keep all correspondence in writing). Anyway - its a bog standard letter where they apologise I've had to contact them about the sale of the PPI, thank you etc. And that they will look into it and update/reply quickly as possible but no later than 11 January 2013. They said they had enclosed leaflet explaining how they work to resolve complaints - which they didn't! Keep you posted!
  12. Loz14
    Thank you! I thought that would be the advice but thought maybe via phone may speed it up. But on reflection the benefits of keeping a written account of all comms far outweighs a speedy resolution!
  13. Loz14
    Hi, I sent a letter to Barclays along with the fos questionnaire and today I received a letter in response which said they had tried to call me to discuss my complaint. They had been calling an old number of mine, despite the fact I updated my phone details with them couple of months ago (to think these people manage our money and yet they can't keep basic records up-to-date). The letter asks me to call them - looking for advice from the experts here whether I should phone or try and keep all contact by letter so that I have a record? And is this usual practice from Barclays when dealing with PPI claims?
  14. Loz14
    Had a look at the form and the questions appear to try and elicit your situation at the time of taking out the insurance to ascertain if mis-sold?? However I wasn't aware I even had it and think the PPI was wrapped up in the selling of the Additions account, should I cite this as the reason for being mis-sold? Or should I say I was unaware I had even been sold it?
  15. Loz14
    Thank you! Putting it in writing is sensible, I've had my fingers burnt by Barclays too many times.
  16. Loz14
    Thanks! When I phoned on Saturday to query why my account was overdrawn and discovered that it was the PPI insurance, I was advised to call an 0500 number today and ask them to stop the payment and to say I have been mis-sold PPI. Before I follow this advice, any tips on what I should say to ensure success with the claim?
  17. Loz14
    It is a current account that has been running on an overdraft - I settled the OD last month. Have checked back on a couple of statements and it appears to be a fixed amount - I always thought this was part of the Additions account fee I phoned Barclays this morning as I received a statement to say I was overdrawn even though I had not used the account and they told me it was the payment protection fee that caused the account to go overdrawn.
  18. Loz14
    Thank you for your reply. The PPI is on my Barclays current account - so what would that insure me against? I don't think I have PPI on any other accounts, guess I need to check.
  19. Loz14
    Hi, I'm new on here and have tried to find the answers to my question but cannot find anything similar, so I'm hoping someone can advise. I have just discovered I have been paying PPI insurance to Barclays since 1998. I have been advised I should contact the PPI dept in Barclays to say I've been mis-sold and to make a claim for a refund. However...I was made redundant last year Sept 11 - Jan 12 and had to use my redundancy pay to make my loan / credit card payments until I found a job. If I had PPI all along can I make a claim for these payments rather than say I want to claim as mis-sold? The loan/credit card payments I presume will amount to more than the PPI itself. If I can claim PPI because of redundancy, would it matter that Barclays was not my main banking facility for the loan and credit card payments? I hope someone can help on this? Many thanks Loz

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