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  1. Hello all, I live in Buckley in North Wales where the Welsh government are trialling a 20 mph speed limit on all roads prior to a national rollout in April 2023. Some of the main arteries into the town have been designated 20 mph but it is causing chaos with huge tailbacks, road rage and people overtaking in dangerous areas. The local council and Welsh government are saying that the local community were consulted about the change over the last two years (when we were in the middle of a pandemic) according to a local Facebook group set up it appears that no-one in the community had in fact been consulted. What I am wondering is has there ever been a legal precedent regarding this issue whereby due process and procedure has not been followed therefore nullifying the change of speed limit. Any answers or suggestion would be greatly appreciated. Cheers, Dave.
  2. hello people , haven't been on here for a while . had some success withh PPI claims in the past but i have a question about a car i bought in 2000 . i bought a brand new car in 2000 from james edwards in chester with finance from lloyds bank . i have absolutely no records of the loan but believe i was paying PPI on it , would anyone have any idea how i go about starting the process of a claim if i have no records ( account numbers , payment details etc ) , feel like i was ripped off once again so once again into the breach lol. any help or advice greatly appreciated.
  3. Hello all , i've worked out how much i am owed on two claims and now need to send a letter before action but i can't find the darned one anywhere . Has anyone got a link or know where tha LBA is. cheers.
  4. I sent out an SAR to M&S and The Co-operative on 9th November and the forty days are up and I have heard nothing from either of them. Has anyone got any idea what happens now or a link to a letter I .can send to give them a kick up the backside. Any advice greatly appreciated. Cheers.
  5. oops sorry my mistake , i asked for a copy of the credit agreement under section 77-79 of the CCA and recieved the above reply from them . Any advice on what to do next would be really appreciated. Cheers.
  6. I asked Barclaycard for a copy of the terms and agreements of the account and enclosed a cheque for £1. They have sent me a reply under section 78 (3) (a) of the consumer credit act which states '' as no sum is , will or may become payable under your credit agreement , section 78 (30 (a) provides that we are not obliged to provide you with the documents and information you seek '' , they confirm the cheque has been destroyed. Can anyone shed any light on what that means , seems to me like a fob off , what do i do next?? Cheers all.
  7. okay , thanks , letters going out soon i hope , i'll keep you updated.
  8. had a loan with marks and spencer which included ppi , just after some advice on how i go about reclaiming as we never needed or asked for the ppi and i reckon it could run into thousands. any pointers or advice would be greatly appreciated . i have used this site a few years ago to reclaim bank charges so this should be a piece of cake as i once had a court order to send the bailiffs in to barclays lol. cheers.
  9. hello there , well according to electric lemon you should get your money next february cos of the scheming sods but at least you will get it. i have just started a claim for a mate who is a **** hot tattooist and he has promised to design a tattoo for me if he gets his 2 and a half grand back.(wether i get it done is another matter)i fancy dangermouse (not sexually , tattooily )but the missus would kill me. doing our lottery and euro and i will get the jackpot hehe. see you later.
  10. hello tori , long time no speak. i am still waiting for that big lottery win so when it comes up this weekend all your problems will be solved cos i am sure i said i will see you right a few months ago lol. stick with it mate , they are really on the ropes and you will get your money eventually. as always good luck , in life as well as in money.
  11. you are right when you say you are arguing the cost of the penalty not the fact that you have agreed to be penalised. this is where the other guys lost , they told the judge that they had not broken their contract with the bank but they had. please,please remember it is not the penalty we are arguing against it is the amount charged. i think this is where people are tripping up when it comes to court. don't worry mate you will get your money eventually.
  12. if i were you i would phone the court first thing monday morning and check on the stay , surely that's up to the judge not barclays. from what i can gather if you have a court date it's business as usual. give em a ring , see whats going on. good luck. i hate barclays.
  13. thanks very much for the replies . i am working from copies so it looks like my mate will have to try and find the originals. the unpaids outs come to around £400 but he reckons they have charged him thousands over the years which could account for the commission charges. he's a tattoist and has promised me a free tattoo that he will design if i can get him some money back and he is bloody good so wish me luck. priceless advice as usual , once again thanks guys.
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