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Found 7 results

  1. Now see them here at home https://www.theguardian.com/environment/gallery/2017/jun/27/ocean-plastic-pollution-scotland-in-pictures
  2. Hi there, I hope someone can help me with these cases. When I was young and naive I got offered in the Debenhams and River Island store cards under the premise of extra discounts so I signed up in the stores. I was obviusly not advise of PPI, nor did I know what it was, and obviously charge for it. I do not remember in any case the mention of PPI, just the offered extra discounts and offers, and even the store-assistant filling the form for me, and putting crosses where to sign, her going to make a phone call and having an answer there and then. A few years later and when I started to go into difficulties, such as redundancy, over-spending and so on, I started to look more careful into my outgoings and with the publicity of the mis-sold PPI then I realised that the extra charge in my statements wasn't interest for the card, it was the PPI. So I called to cancelled both I think. As I did with all the rest of cards. anyway I did try to claim back the PPI to Ge Capital that fobbed me off and I thought that was it. Until a few weeks back when suddenly I've got through the post same letter, different references for these 2 cards, saying that I may have been mis-sold the PPI and that if I wanted they could re-view my complaint. So I filled the form, stating that what I said before, no knowledge of PPI to be put on top, sale-assistant not mentioned to me, nothing about being able to cancelled, and so on. I post the letters form back and a few weeks later I've got a phone call asking details about jobs, and so on, to be honest it was quite difficult to understand the person on the phone and I am not sure she knew what I was saying, bad line. Also as the cards were obtain ages ago, I couldn;t remember well in which jobs I was, dates and so on. (this was in the Debenhams card) I also had another call for the for the River Island one, and as it was not suitable then, I asked them to call me later, which they did, but I couldn't reply and they didn't left a number where to contacting them back. So a week later and I've got 2 letters, the same one with different references, saying the the sales-assistant was not obligated to mention the PPI in those dates and that I received all the information by post regarding what it was covered, and so on, so my fault not to read the small letter pretty much. They did included copies on both of the credit agreement, the, Debenhams, and where I spend more, I do have it signed i both bits the credit agreement itself and the PPI, but they are X marks on both bits done my the sales assistant. So not sure how to proceed there, I still think I was mis-sold the insurance as I didn't know about it. Ok, well enough that they sent me paperwork, saying that, I did moved home in the short period between the card being activated so I may not have received all the paperwork necessary. The second one, it is more interesting, the Credit agreetment is not signed, just the PPI cover, so I think I've got more chances here to go for them, as I believe that it is inforceable in a court room if I'm correct and it probes that the PPI was mis-sold. Basically the sales-assistant didn't know what she was doing. What do I do now. I did managed to recover some PPI from other credit cards, but these two seem to be more hard work than the the big ones. Thanks in advance, Zara_goza
  3. Hello, I'm starting to develop a real interest in this subject as I've seen huge injustices in the past, so this is my vigilante intervention (I think I know the guy that got a PCN). he parked his motorcycle in the same place he has done for the last couple of summers - we often admire it with the kids. This afternoon I saw a ticket being written by an enforcement officer, who stuck the yellow bag on the seat of the bike. The location I will do my best to describe. It is a large area of road which has been divided up into car parking spaces to one side, a bus "slip road" to the other and a road running through the middle. There is an island (bricked) with a few black metal bollards installed. Around the island is a full circle of double yellow lines. Now, note that the yellow lines are painted on the road NOT the bricked area. Also, in the bus "slip road" NO PARKING is painted again on the tarmac, os on the other side of the lines. btw, the island is about the size of two cars and an ideal spot for making bikes. As far as I can tell the island itself is a haven of unregulated land and the double yellow lines relate to cars considering parking along the kerb of this island, roadside. There are no signs whatsoever on the island itself. Looking around there are various signs/rules relating to the parking spaces opposite, but thats all. What say you all? If he has been ticketed unlawfully I'd love to find him and give him the good news:) Thanks in advance
  4. Hi guys, pretty new to the forum. Ive had my successes with bank charges in the past many moons ago. However i had a hammering off River Island / GE / Santander store card back in the day for my store card with regards to late payment charges, over limit charges etc etc. The account is since closed. Is there still any scope for me to reclaim these in this day and age? As i'd obviously like to pursue some of my money back if its a possibility but dont want to chuck a tenner their way if its not going to get me anywhere! If this is the case id appreciate some guidance. Initially i think i will need to send a SAR to Santander as ive since lost or binned all my statements. Thanks in advance!
  5. Hi CCA to OC who returned £1 p.o. as now administered by CL finance. Also made a CCA request to CL Finance prior to this on 24.01.14 (free proof of posing obtained) No CCA r'cd from them. Letter r'cd this morning saying they [CL] have now assigned this to Hoist Portfolio Holding and that future correspondence should be directed to them. I am going to send a letter to HPH just stating that since their clients are in default of my formal CCA Request their letter is an unlawful demand for payment. Do I need to say anything else and is it worth copying the letter to CL too? Thanks. Showing on Cr Report as: Credit Card from C L Finance, and as AP since Jan 2010 - stopped paying last month due to unemployment.
  6. Hi I had a River Island store card with ppi & have some statements and agreement from Santander. Claim form sent and final response recieved stating I had option to cancel and that I signed the agreement. Have reffered to FOS and am just completing the form. I can remember being asked to sign the form to strengthen the case for getting an agreement by a young shop assistant who was more interested in selling the ppi than the goods! Dont recall any option being mentioned either but am looking for advice to strengthen my case. BF
  7. Hi All, I'm hearing that for a GE Capital RI Store Card you should write to Santander, is this correct? I had one about 10 years ago, I'm fairly sure it had PPI on it but I have absolutely no details about it. Not even an account number. Worth an SAR to Santander (or GE?)? Or just forget about it? It was, after all, agessssssss ago. Any assistance greatly appreciated. Cheers DD
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