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  1. A few months ago I enquired about PPI on some old Egg Loans I had in the early 2000's. This morning I had a letter from Canada Square with their decision. On one policy did not have any PPI on it but the other 2 did and they have upheld my complaint. It says the total redress is £4,256.55 but that out of that amount I am only getting £2,168.60 because of a Final Loan adjustment £1,849.17 is going to a company called Arrow Global Receivables who my loan was transferred to in 2011. There is also a deduction of £2,365 listed as "Less any previous rebate paid" I was never paid any other rebate but perhaps this is something to do with my not paying off the full initial loan after entering the trustdeed? To be clear I took out the loan in 2002, and increased it twice in the following year to about £11,000 total. I then entered into a protected trustdeed in early 2006 which this loan was included in. The trustdeed was finished in 2009 and I had no idea that the loan account was still open. I will attach a pdf of relevent info from the decision letter. I know I am lucky to be getting anything at all given that I have been in a trustdeed but I just want to check that the amounts seem right and that them taking the other money off is right and fair. Thank you for your help! Also to let you know I did send a SAR to Canada SQ at the start of June but they didn't accept my inital change of address ID and then didn't get back to me for almost a month so the sar info will take longer to recieve. Should hopefully get it in a few weeks. A trustdeed advisor (not my former trustee) has told me that she doesn't think that the payment to Arrow should be made considering I have completed a trustdeed. She has advised me to call them to make it clear I have been in a trustdeed and get a reason for why this payment is being made to Arrow. I am a bit worried about calling them and discussing the trustdeed in case it affects my chances of getting any payment at all. At the same time it is a lot of money to lose if the payment to Arrow is in error. egg letter.pdf
  2. Hi guys two part question. I got a square today loan that i had defaulted on for a fair few months and wasn't paying it back. In May 2017 i got a letter advising me that they had decided to settle my account and i did not owe them anymore money. This was then removed from my credit file.(I have unfortunately lost the letter) However since around October time this is now showing on my credit report again. Does anyone have any ideas? or how i can contact them? second part is i had a loan with lending stream that is currently showing as a 0 balance but is in default - whats the deal with that?
  3. Hi all. I have today received a letter from Canada Square operations re 'You can make a new type of complaint about your PPI'. It goes on to say that 'You complained to us previously about our sale of your Payment Protection Insurance policy. We rejecetd your complaint because your policy was not mis-sold'. I have no recollection of making this complaint. Just double checking this is legit? Has anyone else received similar? Thanks all.
  4. Until this morning I'd never heard of Canada Square Operations, and now I'm just a little bit concerned. I received a letter from them stating that they'd previously rejected my ppi claim as it hadn't been mis-sold but that I can now complain again due to Plevin v Paragon. However I didn't recognise the account number they quoted and was surprised to see a complaint reference. So I dug out my old files and can see that the 16 digit account number is for an old Citi Visa Card that was defaulted in 2006, and when I cca'd them in 2008 they couldn't provide a copy of the agreement so that was the last I'd heard of them and I've never paid anything to them for 10 years. As well as being unable to send me a cca back in 2008, it's now statute barred in any case! I've never ever made a ppi claim to Citi (the only ppi claim I've ever made was to NatWest) so would anyone know how this could have come about? Would Citi have made a claim on my behalf? Is it some sort of trick? Thanks in advance Florish
  5. Good afternoon, On 07/10/2016 I parked in the Bradford Forster Square carpark, lost track of time, and overstayed by 37 minutes. On 17/10/16 I received a Parking Charge Notice for £85, payment to be made within 28 days of issue (of notice); discounted to £50 if I pay within 14 days. They have stated the Date Issued as 13/10/2016 in the reference section and 10/11/2016 in the big black box, but that is probably irrelevant. I have entries on my bank statement to prove I went to Costa there, I actually spent all morning there catching up with an old friend, but the entries are dated 08/10/16. I guess their payments don't show up automatically. I have emailed Costa for help, they replied immediately saying they have no influence. I also emailed the land owner, British Land but have had no response yet. I have read quite a lot about parking charges in the last few days, mostly about Beavis... I remember reading on one thread on this forum that the company placing the parking restriction signs must have planning permission. I have checked Bradford's planning portal and cannot find an application for PP for parking restriction signs at Forster Square. I then telephoned Bradford's planning dept and was told that the signs were probably small enough not to require PP. I told him the signs are 0.9m x 0.7m, to which he suggested that I email the enforcement team. I have done this and included the measurements and a photo of a sign. I know the enforcement team are thin on the ground and I think it unlikely that they'll carry out an investigation in a time scale that will be of help to me. What I would like to know from the kind people on this forum is, do I have a case for no contract because of a lack of PP for the signs? I have read The Town & Country Planning (Control of Advertisements) Regs and I think I have a case, but I'm not a lawyer ! I hope to use this in ParkingEye's appeals process. If I am unsuccessful I will probably pay up as I do not want to pay the full charge, which I'll have to pay if I go over 14 days.
  6. Canada Square Operations are citing the Financial Conduct Authority's regulatory review in light of the Supreme Court’s decision in Plevin as a justification for being unable to consider my claim for mis-sold PPI on an Egg credit card until such time as the FCA publishes its guidance. Let me be clear, it's not that Canada Square Operations have rejected my claim but have said they will revisit it in light of any additional rules / guidance deemed necessary by the FCA. Rather, they have said they won't even consider it until the FCA publishes its conclusions. Now, it seems to me this is a nonsense for the following reasons: [1] I've completed and returned a FOS questionnaire which makes clear the basis on which I think the PPI was mis-sold – essentially, I applied for the credit card online and was unable to proceed with my application if I unticked a pre-ticked box requesting PPI. This being the case, it seems clear to me that the PPI was mis-sold and whatever the FCA guidance might / might not turn out to be apropos Plevin and the role of undisclosed commissions is irrelevant. [2] Notwithstanding [1], I applied for this credit card in October 1999, ie long before Section 140A of the Consumer Credit Act 1974 kicked in, and the account was settled in full long before April 2008 when the legislation began to apply regardless of when an agreement was entered into. In these circumstances, it seems to me nonsensical for Canada Square Operations to refuse to consider my claim and instead invite me to go straight to the FOS, whereby they would, I believe, incur a fee in excess of £500 to investigate a complaint which I am confident would be upheld. Aside from the annoyance / inconvenience it would cause me [waiting for the Ombudsman's ruling], I can't see what possible motivation Canada Square Operations could have for taking this course of action. With this in mind, I'm minded to write back making the very same points I've made above but, before doing so, would welcome the thoughts and opinions of my fellow CAGgers. Thanks in anticipation Fred_Funk
  7. Hi all. I'm having problems with Canada square operations about a SAR request for an egg card (which will turn into a PPI claim). The only problem is they keep requesting more information about my previous address (which I have given them time and time again but they're still saying its not enough). It sounds to me like they're just using delaying/stalling tactics in the hope that I will just give up. Is there any way I can 'persuade' them more? I've already tried the ICO who were about as much help as a chocolate teapot...
  8. Slightly complex claim here. I topped up an Egg loan at the beginning of 2007. The total cash amount of the loan was £9331 and the payment protection premium lent was £1730.85 with the total amounts payable at £10668.00 and £1979.04 respectively. I subsequently defaulted on the loan and it was sold to various debt collection companies, ending up most recently with Arrow Global. They stated that the purchase balance of the account was £8193.79, down from the £11061.85 advanced by Egg. Added to the complications, I now live in the USA. Restons for Arrow Global obtained a CCJ by default judgment against me and I applied to have it set aside once I found out about it. I ended up deciding to settle with them and we eventually agreed on £3000.00 in full and final settlement of the account. So I have effectively repaid £5868.06 of the debt, plus whatever interest that I'm unable to calculate. In the meantime, over a year ago I was sent a letter by Canada Square Operations asking me to complete a complaint questionnaire, as I belong to group of customers who MAY have been affected by a PPI policy being mis-sold. I never sent it as at the time I still owed the debt. The letter they sent noted that the debt had be sold on to another company and asked permission to contact them to find out the status of the debt. Since I have now settled the debt I filled out the questionnaire and sent it off. I'm wondering what I can expect given the circumstances surrounding my case. I'm also wondering if they will respond to me at my US address?
  9. Hi, I'm new to the forum and hope someone could be kind enough to help me out I received a PCN from EXCEL PARKING it carries a £60 fine if paid within 14 days or £100 within 28 days, the letter started like this: Issue Date of Notice: 19/11/2014 Contravention Date: 09/11/2014 Duration of stay: 17 mins This Parking Charge Notice (PCN) is issued to vehicle registration mark ******* for allegedly breaching the car park terms and conditions in the Privately Operated Car Park at The Square Chorlton-Cum-Hardy The alleged Contravention was detected and recorded by Automatic Number Plate Recognition (APNR) cameras at the site on the and the period of parking resulting in the contravention is identified above. The reason for the contravention is: Parked without displaying a valid ticket / permit I replied stating that I tried to pay but the machine wouldn't accept my money, I didn't have a mobile phone to ring the helpline number so left the car park without using it after trying several attempts with different coins from my car. I added that because it was a Sunday the fee was only 50p for the full day, so I added in the envolope a £1 postal order to cover any inconvenience caused, This they have kept even though they reject my appeal! They have replied stating that they reject my appeal, they say I could have used one of the other pay machines (didn't notice any), I could have called the helpline when a phone became available, one wouldn't have came available They say I have to pay or appeal to popla. Anyone got any advise please? EDIT: The appeal reject letter is dated 17 December and includes the POPLA code.
  10. About 1430 hours today, Monday 22 December 2014, a Glasgow City Council bin lorry was travelling north on Queen Street when it appeared to strike pedestrians outside the Gallery of Modern Art (GOMA) before continuing to travel towards George Square, when it crashed at the Millennium Hotel on Queen Street at George Square. Read More Here: http://www.scotland.police.uk/whats-happening/news/2014/december/264461 http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/11308468/Glasgow-bin-lorry-crash-live.html Very sad news especially at this time of year. I would like to wish those injured a speedy recovery and my heart goes out to those that sadly lost loved ones condolences.
  11. Hi I had an Egg Loan and an Egg credit card, I contacted them re claiming for PPI and was referred to Canada Sq. I sent a request and twice they wrote back asking for proof of address as the address they held was not the one I was writing from. I duly sent back the proof and they returned and then nothing. So I sent a SAR and enclosed a £10 cheque, they cash my cheque and wrote again asking for proof of address!! I sent this along with a strongly worded letter and thus far NOTHING! The 40 days have long gone and I'm at a loss of what to do. Any advice would be appreciated.
  12. Got a Samsung Galaxy S3 and tried to scan the square barcode thing for mobile CAG. My phone says it doesn't support this type of code, although it has worked on others I have tried in newspapers, mags etc. Any Scooby Doos anyone?
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