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  1. Good afternoon, Am hoping someone can offer me some advice with regard to NE Parking Ltd and whether or not I should pay not 1 but 2 PCN's issued within 24 hours whilst parked in the same parking spot over August Bank Holiday weekend in August. Arrived in Blackpool having booked a hotel to stay the evening with my partner and 2 children on the evening of Sunday 27th August. I was unaware that there was limited parking at the hotel and upon checking in at 18:10 I was informed that I would need to use one of the car parks situated nearby at a cost of £12 for 24 hours. I the
  2. Hi there! I would like to ask for some advice. I found a similar case (same place, same issue) to mine in this forum and would like to know what was the outcome. Or I'm looking for some solution from someone more clever than me. I parked my car in the St Stephens car park in Trowbridge end of May. I purchased my free three hours ticket (still have the ticket) and put on the dashboard in a visible place. Shutting the door moved the ticket further down and fell under the windscreen wiper (not fully visible, but definitely there). I had an hour meeting at Nan
  3. Hi All Firstly, a massive thanks in advance for any advice that can be given. I feel a little bit lost in the law and unfortunately can't afford a lawyer so it's great to have communities like this to come to. My situation below: I live in a flat that shares it's car park with the rest of the block. The buildings management has employed ParkDirectUK to manage the car park and they require parking permits to be displayed. ParkDirect recently gave me a £100 parking charge as I forgot to display my parking permit. I contacted them with evidence of my residency and my parking pe
  4. Afternoon, Am wondering if you could look at this please - I sent a generic letter through "Which" website and got various replies from RBS - saying on some no PPI was included, others I had already claimed back but I got these 3 replies (Wife & I) rejecting our claim. Was wondering if worth pursuing with a SAR etc. I had to convert a pdf file to word so apologies for how it looks - have highlighted part I thought strange, I needed to have PPI for a minimum of 4 years on my mortgage. RBS PPI Rejection.doc
  5. I had a capital one Platinum card on which i paid PPI - i used the templates from the Martin Lewis pages to complain was rejected on the grounds that when I transferred a balance to this card in march 2000 i ticked a box to request PPI. They attached a photocopy of the said form showing this box 'ticked' - however I had had the card for a couple of years before transferring this balance and had not had PPI (as far as I am aware but I don't have records going back to those dates) and would not therefore have specifically requested this on a balance transfer. Their
  6. Hi there I have received a hand delivered envelope (I haven't signed for it, don't know if that makes any difference) containing a Simple Procedure Notice of Claim by Arrow Global for an Aqua credit card debt. I have never received one of these before and I am not entirely sure what it is. Is this a fishing expedition by Arrow to pressure me to respond - there are no court stamps on the letter or date to attend court. A Time to Pay application has been included. The amount they are asking for is more than the credit limit as on the card, I assume the balance
  7. Hi there, I was really hoping for some help and advise on whether there is any way forward with this complaint. I complained to Canada Square about an egg credit card taken out in March 2001. I know that I did not opt in to take PPI - that the box was pre ticked, as I was also advised on the phone that the box had to be pre ticked to complete the application when I questioned it. They rejected my complaint as my personal circumstances meant I had no cover (significant sick pay or savings etc). I don't see how this is relevant. I took it to FOS and they rejected
  8. I received 2 parking charge notices from Excel Parking for alleged contraventions of their conditions. The first was for parking on 15/05/2017 and the PCN issue date was 06/06/2017 the second was for parking on 17/5/2017 and the PCN issue date was 05/06/2017. There is absolutely no question that the appropriate tickets were purchased, displayed correctly and we did not overstay their duration. On one occasion my partner purchased the ticket and the other I did, so it would be doubtful if we inputted the wrong registration number although as the last letter of our registr
  9. I am really new to this but I need some help with a rejected PPI claim from Capital One. I initially had no idea I had PPI but thought id make a claim and see. Capital One responded to say I had PPI and were investigating to see whether it was mis-sold. I then received a letter today to state that my PPI was rejected because I apparently agreed to it via a telephone call to activate my card. It then goes on to state that they are unable to locate a recording of the telephone call however at the time I met the eligibility criteria of the PPI. Can someone pl
  10. Summary : I had been to a Car park which is adjacent to Rail station to drop by wife. There were road construction, and for safety reason I decided to pull the car into a Car park, and left the site in less than a minute. Exactly, at the same time, I been again to the car park, and left the site in less than a minute. The Car park has issued a Parking charge notice by picking up images of entry on day1 and exit on day2, claiming that my car was parked for 23 hours and 59 minutes and did not pay the parking charges. Parking Charge Notice issued by private car park accordanc
  11. Hello, I, unknowingly, received a PCN from Lambeth council in April 2016 for parking my motorbike in a permit holders only bay. I moved address a couple of weeks later (and then my motorbike got stolen!). All correspondence from Lambeth council was to my old address, where my motorbike was registered. I did not update the registration address with DVLA as the vehicle was no longer in my possession. As I was no longer living at the old address, I did not receive any of the letters from Lambeth council regarding the PCN. It was only until Jan 2017 when I recei
  12. Hi there I have a question relating to a loan that I took in 2004 through Zenith Windows to install double glazing. But Zenith windows went into administration in 2010 I believe. Loan amount 5K. It is now paid off. How do I go about getting the PPI back from them and the unfair charges. Can anyone help please? Many thanks and much appreciated.
  13. we bought a car just before xmas within days it developed faults, we exercised our right to reject in writing to the garage at beginning of year and you guessed it they are ignoring us. we have gotten trading standards involved as they think there may be mis-represented laws they have broken such as saying it has warranty and it doesn;t and that there is service history which has never been received and failing to disclose where it came from when asked. this will not get us our money back so we are going down the route of S75 with credit card company only 20
  14. I have a valuation tribunal upcoming, and I have received the following correspondence. The issue is that the council will not grant the 1st month discount because the previous occupiers used up this discount. As we are first time buyers and didn't actually move in till at least a month later I was hoping the 1st months council tax would be discounted 100%. However this is not the case. Is there anything that I can backup this case with as it's basically their legislation against what I think I should be entitled to. Issues in Dispute The dispute concerns the application of
  15. Hi everyone I sent a claim to POPLA and I got the decision on the 12th September. I will post the decision below, I just want to know if there's anything more I can do or should I just pay it. Thanks Andrew Decision: Assessor summary of operator case The operator’s case is that the driver has remained in excess of the free stay period, and failed to purchase time thereafter. Assessor summary of your case The app
  16. I placed an order with Parcel2go via MyHermes on 20th July. I dispatched the small item on economy service which I would assume 3-5 days max. My Ebay customer started ranting and set up an issue that he didnt receive the item after 5 working days. I tracked it and sent a copy to him and contacted company that assured my parcel would be delivered within 24hrs. after 10 days my customer refused to accept the parcel in annoyance 1st August. I assumed the parcel would be returned to me. I checked yesterday and it states that its been signed for.
  17. After discovering that I had PPI attached to an old Halifax mortgage, I put in a claim for miss selling. Today I had a telephone call from the Halifax in connection with another PPI with them that I knew nothing about. I ventured to enquired about my Mortgage PPI claim and they said that a letter was sent out to me on the 12th July 2016 explaining everything. Today is the 25th July 2016 and I have NOT received any such letter. The lady on the phone then read me the contents of the said letter outlining the reasons for the decline of the PPI. The ones that stood out were :- You h
  18. Hiya all, Personally I think that the fine I've received is absolutely unjustifiable on the grounds that it was completely unclear, even clear in the opposite way, that this spot was restricted- and every colleague/friend/family member I've consulted has agreed. However I'd like to sense check that before I waste any more time dealing with the glacial process of formally appealing it now that the informal one has failed. I was parked at the end of a cul de sac, which had no signage about parking. There were double yellow lines alone the sides of the street, but
  19. I am so angry that FoS have listened to what Natiowide have said about timescales and i cannot claim !! There must be a way to do so, as i NEVER need any form of PPI. the reply from FOS was : i feel the below i totally unfair as u did not know i had ppi on the card until i found an old statement last year. also nationwide did not tell me of any time-scales-limits , i feel they have used dirty tricks. there must be a way for me to make a claim as i am disgusted they have basically said "tough" Dear Mr xxxxxxx Thank you for your email dated 10 February 2016. I
  20. Dear All, I am hoping someone could assist my wife here with her rejected Santander for a Debenhams Store card. Herself and her mother, where in the store at the same time and both took out a newly offered card at the same time, and spent near the same amount and never again used it since, All they needed was some wedding stuff at the time., Now a month ago or so Santander got intouch with her mother out of the blue and said "hey we owe you some money" and she got £2500. The wife wrote off to them, and i think they have just fobbed her off, I have uploaded the
  21. Hello, I started a PPI claim from MBNA (credit card) PPI was automatically added, The card started about 1995 (I was about 20) still used today. I have been told by the FOS (via a ppi claim company) that MBNA has said a time bar applies to my claim as I received statements and the ppi would have been on them. Well sure it was every one would have who had PPI. I understand this is fair enough and there will be people saying this is my fault but I did not even know I had PPI (hence miss sold) and this was my first credit card when I was young and obviously a lot
  22. http://www.dailymail.co.uk/news/article-3503678/How-new-CD-player-torpedo-car-insurance-firms-refusing-pay-motorists-claims-basic-modifications-without-telling-them.html It would seem Insurers are increasingly rejecting claims, due to Policyholders not declaring information relevant to the risk. If people are in doubt about anything that could affect the risk, they should phone the Insurers to discuss and either get written confirmation or make a full record. The FOS report over 7,000 complaints about Motor Insurance, with 25,000 enquiries. People should be aware that the FOS do
  23. Hi Every one I had received a parking ticket for allegedly parking in a restricted area (client permit area) from High view parking. to further explain, we wanted some new carpets and went in a shop in hillsborough in sheffield which allows free customer parking. We parked in an area where there was a board of customer parking on the wall that i parked against, on the adjacent wall there was permit parking board. I genuinely thought it was customer parking, parked only to get a notice that i had parked in restricted area which was for clients only from
  24. Hi, I have the same thing, I also live on Selden Hill. I have appealed saying that I have a car parking space with an OPC badge and because my working hours are long, I come home and generally there is someone in my space, and I have a 1 year old. So I parked in another space and got a ticket. The appeal was declined and the appeal letter stated court action unless I paid the fine (or something along those lines) I am now very worried as I cant afford the fine and dont feel I should pay, and secondly because I cant have a CCJ as it will affect me mortgage wise in the future so I feel pressured
  25. My wife put a claim in for PPI cover she paid on a loan from HSBC and also for a Credit Card. They have approved the loan but rejected the CC claim. Their reason was as follows : "Our records show that in DATE, you applied for an optional Cardholder Repayment Protector to protect your HSBC Credit Card. This policy is designed to repay 10% of the outstanding credit card balance for a maximum of twelve months in the event of sickness, accident or redundancy. Life cover is also included in this plan. The Policy Document and Product Information Pack explained how the po
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