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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi

 

I need some advice on how to go about helping my partner reclaim his PPI payments. He took out a Barclayloan about 6 years ago (yes I know – statute of limitations may apply!) along with their PPI and now thinks it may be worth trying to reclaim it.

 

He was in employment at the time and had no pre-existing medical conditions.

 

Unfortunately he has no documentation and can’t remember what was said at the time so doesn’t know whether he was asked relevant questions when he took the loan out.

 

Question 1: How can he get the documentation?

 

Question 2: What grounds can he give for mis-selling if he doesn’t remember the conversation that took place at the time he signed up?

 

Any advice gratefully received

 

H

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Hello there.

 

The first thing you need to do is get a S.A.R - (Subject Access Request) off. Take a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-r-subject-access-request.html

 

which gives more information, also have a read of everyone elses on the forum, many of these show different letters along the same van. The SAR costs £10 but will be worth the cost if it helps you get the premium back. Use the time while you wait for them to send the information to get as much information as possible. This forum has a wealth of information so soak it up !

 

Good luck with your claim, and dont forget to keep your thread updated so we can all follow along with you.

 

Braveheart Bear.

Edited by Braveheart Bear
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Thanks a lot guys - S.A.R - (Subject Access Request) on it's way - hope they wont get us with the 6 year thing; I'll keep you posted watch this space! :-)

Hello harrystottle,

 

They will probably state they have difficulty in provision of information under the data protection act as it is over 6yrs. No where does it state this, the apply the limitation act as a 6yr rule.

 

If they do become difficult I would quote the money laundering regulations to them and also section 32 of the limitations act:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks for the info folks.

 

I have one more question, thanks in advance for any answers that may be forthcoming...

 

Would I be right in saying that the outstanding balance that he owes on the loan could now be classified as a disputed debt and if so can I get Regal Credit off his back for the time being at least?

 

By coincidence (or perhaps not) they have written to him saying that his repayment programme is up for review (he's been paying £20 a month).

 

It would be so nice to tell them to shove their review where the sun don't shine :-)

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Sorry to bump this but need to know the answer to this one - to recap the loan was defaulted and is now in the hands of Regal Credit so my question was does the lodging of a S.A.R - (Subject Access Request) put the loan into 'in dispute' status and if so can I get Regal to give it back to Barclays until it's resolved (hopefully in our favour :-))?

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