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I am looking for some advice with respect to a PPI refund and compensation in connection with a former Endeaour loan. I had a compensation refund in 2015 which was based on premiums I had paid from 2002 - 2013. But I did not know if it had been calculated properly because although I had requested that the PPI be cancelled in 2013 all my loan account statements from Endeavour/HSBC and subsequently Sancopia Portfolio showed premium payments . I then spent 3 years trying to find out how HSBC reached their compensation figure and which premium payments were used for the calculation. Finally after escalating it to an FCA case I was sent the HSBC spreadsheet for the calculation which did not include any premiums from 2013 - 2015. HSBC say that the premiums from 2013 - 2015 were reversed and they have sent the FCA a screenshot form their internal systems which show that the premiums were reversed and refunded. FCA say they are satisfied that 8 of the 15 payments have been reversed. What I would advice on is whether this is correct if they are still showing on the loan account statement i.e if there is no corresponding reduction of the loan account to reflect these reversals. As a result of this long running issue, I have the internal HSBC PPI compensation spreadsheet with all formulas. I am more than happy it with the CAG if it can help others succeed with their claims. Advice would be much appreciated.
Hi I'm a little frustrated to say the least.. ..I've just made a drop off in a street in Newcastle upon Tyne (1.00am) - I noticed when I entered the side road that it was 2 way traffic but had calming area at the entrance/exit for one vehicle only to pass. It had 2 huge black and white "Sharp Deviation" or "Chevron" road signs on two black poles around 15 feet from the junction. I am pretty sure as this road is a normal road with no tight deviations that the wrong sign has been installed. I would assume when a chevron sign has been used it is informing motorists of dangers to tight bends (?) I was unfortunately distracted and forgot the road tethered into a calming area with exit for one vehicle. I parked the vehicle on the right hand side of the road. From that position, I then reversed - checked mirrors etc and haven't noticed the black pole (which is a foot into the road) as the street has extremely poor lighting (it was 1am and the road is nearly in darkness). I've caused major damage to the side of my car with damage done to the side bumper and rear quarter panel before it gets to the wheel arch. I am annoyed with myself but I'm equally annoyed that I can't understand the mentality of why the council has placed a Sharp Deviation sign on 2 black poles with each pole causing an obstruction on the path (for wheelchairs) and the road. It's baffling and I've genuinely can't remember seeing another road with this type of signage. I would like to assume the correct sign which should have been placed is the road would be the mounted yellow plastic signage (yellow and white plastic bollards with a blue arrows). There is also no coloured road surface to inform drivers its a calming area. I would like to know if I have a case to take legal action against the council for damage done to my vehicle. I've obviously made the error by not checking everywhere before moving but feel I have not been helped by the poor decisions of the Council. I have attached the files but will try to also add the photos to this thread too. Hopefully I'm reading this correctly.... I've just searched to see if there is a minimum width which councils are required to abide to for clearance for wheelchairs (as the pole is also cemented into the path). I've found this: The British Government have set a recommended minimum width, to be enforced by local Authorities. What is the minimum width? Answer: "1800mm on access routes to buildings, from bus stops or car parks with a deregation down to 1200mm around existing obstructions -'Manual for Streets 2' CIHT 2010". I do not believe the clearance is 1200mm and will check this tomorrow. If the width is less than 1200mm is the signage illegal? Thank you in advance for any help C
hi hope someone can help i recently reversed into a parked car which was covered in a tarpaulin sheet, nothing was visible on the car apart from the bottom half of the tyres i heard somewhere that a parked car had to have something showing ie number plate or reflective panels so i could see it more clearly to add the time was at night ant the road was not lit
I moved into my first flat a month ago. When i moved in the supplier was E.on, so i called and registered with them and verified final readings given by the previous tenant by their instructions of how to read the meter In an attempt to save money I run a comparrison on uSwitch and picked out a new plan with EDF. Since moving in i have been taking weekly meter readins to see my average usage and approx spend. I took a reading after work today at 17.30 and noticed the number 2 reading was flashing, indicating that was the rate being used and similarly I checked again just before midnight tonight and rate 1 was flashing. The meter rotates between each figure and the rate used flashes. I looked on my online E.on account and noticed something quite worrying, they state that rate 1 is for daytime and 2 is night time. I called after I took the 17.30 reading and the guy I spoke to confirmed that rate 1 was day time and 2 was night time. I explained that the number 2 rate was flashing indicating that it was currently in use, which would mean that either the meter was reading in reverse or they had made an error. He assured me that he was correct, but he would arrange for someone to come out and look at the meter. Heres a screen shot from my online account On the front of the meter is an edf sticker, as this was the supplier prior to E.on, on their website they state the opposite to e.on This quote is from EDf's website I assumed that the meter rates would be standard between all suppliers. Has anyone had this problem before and been successful in getting a refund? I've paid quite alot more than the bill should be by my calculations with the rates reversed.