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    • You have a minimum of 10 minutes' grace period to find a parking space, read the signs, walk to the stores, later walk back, etc.  There is no maximum.  I think in COVID times when you had to wash your hands thoroughly after consuming food and there was a queue to do so 😉 13 minutes is not excessive and the fleecers' claim can be easily batted off.
    • I offered to read the meter for them based on prepayment of £2400 but they didn't respond.   I also offered to wave the fee for doing so if they send me reasonably estimated bills.
    • Agree completely.  What is disturbing is that VCS actually went for an appeal, the motorists were too lazy to turn up so Simon now has an appeal level verdict in his favour.
    • There were a number of matters that concern me in Judge Saffman's verdict. The first is  that you cannot form a contract with a forbidding  rule. This was not the case in PE v Beavis as it was within the bounds of a carpark where motorists were allowed to park their cars.  Also if a motorist who does stop when apparently they shouldn't is therefore a trespasser and as such VCS cannot sue for trespass only the landowner can do that. Secondly and the Judges in the Beavis case alluded to the fact that while the amount charged -£85- was not a penalty, that had he offence been one of secondary importance then the charge would have been a penalty.To pull off the road for 30 seconds would in most people's view be of secondary importance and therefore a penalty. It is interesting to note that the new Appeals charter for motorists will include mitigating reasons and a tiered system to differentiate between major and minor offences.  On top of that what does a driver do if a pedestrian walks out on to the road. At the moment it looks as if the driver has to run them over since to stop would bring on a fine. That would be ridiculous. And what about a tyre burst or a collision between two vehicles? The Law for the latter  is that you have to stop and exchange details. And there are several other reasons why a motorist may have to stop and none of them would be mitigating. And for every case where a "no stopping" rule has been upheld by a Judge, there have been about  five where the decision has gone the other way.   The Judge paid too much attention to the Beavis case and took its arguments into consideration to justify his reasons when the Beavis case had little similarity to the no stopping case which was confirmed by the District Judge who staed that the two cases "were substantially different on the facts".  
    • Ok I sent off my letter to Gladstone and MB, now the waiting game. I showed MSE and National Consumer Service my letter before claim response and the majority people were not impressed with my letter.   But after reading this quote on CAG, it feels like the next best approach regardless: ''No, it is not a joke reply. The more you show these con artists respect the more they will try to fleece you. Don't fill in their Section D. Treat them with contempt. They're not the police or the council, they have no right to this money and they know it.''   I still feel I've made the right decision but I feel doubtful at times with the wide amount of different opinions people have approaching this situation on the MSE and National Consumer Service forums.   (When I put in p.e.p.i.p.o.o it auto corrects to National Consumer Service)  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hiyas,

My first posting so hopefully I've got this in the right place.

 

I took out a mortgage with Northern Rock last August and along with it I took PPI through Legal and General.

Last month, going through our bank account I came across a direct debit payment that's been going out to Pinnacle Insurance.

Phoned them to find out why and discover that they're covering my wife and I for PPI.

We don't remember signing anything with them, we don't have copies of any agreement and we've never received a policy from them.

My wife is recovering from cancer, doesn't work and will have health problems for the rest of her life so I can't understand how we've come to have this joint cover.

(Legal and General cover me only).

Is there any letter I can send this lot to get back the money we've paid them?

 

Thanks.

DP:-)

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hello cardiff pinnacle.

 

Hiyas,

My first posting so hopefully I've got this in the right place.

 

I took out a mortgage with Northern Rock last August and along with it I took PPI through Legal and General.

Last month, going through our bank account I came across a direct debit payment that's been going out to Pinnacle Insurance.

Phoned them to find out why and discover that they're covering my wife and I for PPI.

We don't remember signing anything with them, we don't have copies of any agreement and we've never received a policy from them.

My wife is recovering from cancer, doesn't work and will have health problems for the rest of her life so I can't understand how we've come to have this joint cover.

(Legal and General cover me only).

Is there any letter I can send this lot to get back the money we've paid them?

 

You will find several letters in this forum You just have to search and find one suitable to your claim for mis-sold PPI.

 

Please see the following from another thread:

 

If it is then you can do the following to obtain the paperwork and any other data you will require.

 

If your cc account is still active you can send a request for a Consumer Credit Agreement see post 27 from this link...

alanalana PPI claim against RBS (looking for some help) please

 

If the account is closed then you can submit a Data Subject Access Request.... see this link...

Full S.A.R - (Subject Access Request) for ppi

 

The statutory fee for this is £10 and a Postal Order is recommended (no signature and no 5 working days to clear - time saver)

 

In the S.A.R - (Subject Access Request) it is important to ask for every detail you require that is held as data in whatever format you wish to ask for, paper, electronic, microfische, CD, Tapes and anything else you can think of.

Details of accounts, statements, credit agreements, Terms and conditions, policy documents, Telephone conversations, Letters, emails and anything else you can think of.

 

It is imperative you get everything that you may eventually have to rely on if you have to proceed to Court action.

 

If you read up on the thread above and many others you will see the financial institutions are employing delaying tactics. I am over five months down the line and still not sure if I have been provided with everything I asked for in my S.A.R - (Subject Access Request) hence I have a complaint with the Information Commissioner and a few other regulatory bodies.

 

Hope this helps you get started

 

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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