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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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First Plus and the FOS


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Hello everybody,

My wife and I are new to the site and are now in the process of waiting for the FOS to deal with our complaint about First Plus and PPI.

We are wondering if anyone else has gone down this route and if so with what success as this is new terratory for us and if we fail at this hurdle where do we go next.

If you need any info in particular that has got us to this stage we are happy to oblige:)

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Hi, littleton.

 

Here's the PPI successes, not sure if FOS are in there.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/88004-ppi-successes.html

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hello littleton,

 

Please see this link for FOS rulings.

issue 62 - mortgage endowment complaints – capping where the policy remains linked to a mortgage

 

The link was provided by hellhasnofury

 

I cannot say if any of the success stories were people using the CAG forums,

 

Good luck

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello Braveheart,

We were watching a programme back in February called I think Martins money. So we started looking into PPI further and got a set of standard letters off his website.

We sent the first one to First Plus towards the end of March of this year stating we believe we had been misold for the following reasons.

1. The salesperson did not sell us the policy in our best interests as we did not realise thre policy would only cover me for 5 years and that we would be paying for 20 years.

2. Therefore we questioned whether or not the salesperson was financially qualified.

We then got a standard reply off someone called Silver, who stated the usual of no irregularities and a copy of our signeed agreement. Which does show it all lumped together with a small quote of optianal insurance. But by the time you get the paper work to sign you feel obliged to sign or you will not get the loan.

However as he had not answered our questions we sent the next letter giving him 14 days to reply or we we would go to FOS.

We then had another letter saying it would be looked at again and they would reply in due course. But we had one back a few days later saying they would cancel our policy and give us back £917 less admin fees but we would not be able to claim our £7,500 pounds back next Febuary, and no mention of adjusting our payments accordingly.

So we have now gone to the FOS.

There is al ittle more detail then this but my wife would have to get all the letters out

so I have done this from memory.

Hope this helps

Littleton

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Im not sure about this one, but this is my opinion.

From what I can gather the evidence you need has been given to you i.e. they have not made it clear how much PPI you will be paying on the agreement, can I ask is it clear on the agreement how much the PPI is and is it clear that you will be paying interest on it?

Also when did you take out the loan & did you complete a demands and needs statement?

Will try to help if i can.

 

 

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Hello Adamski,

The PPI was added onto the loan with a total monthly payment under it with a total interest charge. We took this out in Febuary 2003. Not sure what you mean about a needs and demand statement. However in our complaint to the FOS we have stated that we do not know how much our PPI payment is each month

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Hello everybody,

My wife and I are new to the site and are now in the process of waiting for the FOS to deal with our complaint about First Plus and PPI.

We are wondering if anyone else has gone down this route and if so with what success as this is new terratory for us and if we fail at this hurdle where do we go next.

If you need any info in particular that has got us to this stage we are happy to oblige:)

Hi ,

My wife & I are just starting out against FirstPlus any advice or direction will be appreciated.

Having asked for settlement figure and they are quoting in all the small prints that they are are entitled to charge the full interest charge on the loan (12 years of it ) plus they will hardly give any refund on the PPI premium of £8k .

Is my first course going to FOS as they ( Shylock's mentors) just quote the Consumer Credit regulations 2004 & Consumer Credit Act 1974

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Hello and Welcome, annbruce.

 

It would be advisable to start your own thread in this Forum :)

 

Just Copy & Paste.

You will get more help with your claim, at the moment your post is 'lost' in this thread ;)

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Braveheart,

Our complaint went in just e few days after that date but we have had an aknowlegement letter with a foot note that they have had a lot of enquirey's. So I assume they will deal with ours in due course.

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Hi littleton, i have just posted a thread about ppi and first plus and like yours the loan did state the payment amount you would pay for the ppi and then when you cancel it early its only reduced by a minimal amount...ours loan only being reduced by £24 when the ppi monthly repayment is £158...so how do they work that one out? I'm not sure i could prove that we were missold but i'll be interested in your case so i'll keep watching....good luck with the fos

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