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    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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What about PPI if one cannot claim Job Seeker Allowance


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I've got a personal loan in 2006 with HBOS with PPI added. Then topped up the loan in 2007 again with PPI.

 

Recently one of my friends (Non UK Citizen), who had a loan with PPI lost his job and tried to claim for his repayments based on the Unemployment from HSBC. Then he was advised to register at the Job Centre and for Job Seeker Allowance. But he is not entitled for the Job Seeker allowance as he is in the UK on a Visa with "No Recourse to Public Funds" endorsed on the Visa. So he hasn't registered for the Job Seekers allowance and hence his claim is turned down.

 

Now I have the PPI again with the same clause in my Visa, which I've paid for the PPI over 2 years for HBOS.

 

Could anyone let me know has this been the case for you if you have the similar status in the UK?

 

Also, what if I want to stop the PPI now and get the money back I've paid so far?

 

I understand there are many "No Win No Fee" places to work on behalf of you to claim the money you paid. But wonder what should I do first?

 

Thanks in advance.

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I've got a personal loan in 2006 with HBOS with PPI added. Then topped up the loan in 2007 again with PPI.

 

Recently one of my friends (Non UK Citizen), who had a loan with PPI lost his job and tried to claim for his repayments based on the Unemployment from HSBC. Then he was advised to register at the Job Centre and for Job Seeker Allowance. But he is not entitled for the Job Seeker allowance as he is in the UK on a Visa with "No Recourse to Public Funds" endorsed on the Visa.

I know for a fact that this is Misselling because he was ineligible to claim. Was he made aware that he could not claim for unemployment? I doubt it.

 

So he hasn't registered for the Job Seekers allowance and hence his claim is turned down.

 

Now I have the PPI again with the same clause in my Visa, which I've paid for the PPI over 2 years for HBOS.

Ditto on the misselling issue.

 

Could anyone let me know has this been the case for you if you have the similar status in the UK?

 

Also, what if I want to stop the PPI now and get the money back I've paid so far?

 

I understand there are many "No Win No Fee" places to work on behalf of you to claim the money you paid. But wonder what should I do first? Don't do No Win No Fee but YOU WIN with NO FEE

 

Thanks in advance.

 

Will leave you in the hands of the experts as to what the process is and how you calculate everything else.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I had a call to the Bank this morning.

 

PPI Advisor straight away agreed that the PPI was missold given that I cannot claim "Job Seekers' Allowance". So she said my loan has to be re-keyed without PPI. This will be as a new loan without the PPI.

 

I presume, that everything I've paid towards the PPI will put forward for the capital repayments. But not sure whether I'll have to take a loan at a higher rate. Now the personal loans usually around 10% APR, but I had it initially for 7.9% APR. Eitherway I am losing my money, unless they offered me the same rate.

 

They said they will contact me within 4 weeks.

 

Any expert advise, what should I do next?

 

Thanks.

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I would decline that. If it is missold they have to put you in a position that you were in if you had not taken the PPI out. A new loan?? How about a refund of all premiums and that the payments are EXACTLY the same amount as if you had not had the PPI in the first place. Same term ie if it was over 5 years then it is 5 years minus current payments to date. And refund of premiums taken from you up to that point plus interest(confirm whether it is a single premium or not).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 3 months later...

:):):).....:)

 

Happy Happy !

 

My Bank has refunded all the money I paid for the PPI with Interest.

 

My monthly loan payment has decreased by just over £100 a month.

 

So folks, if you have "No Recourse to Public Funds" in your Visa and have a PPI with your Personal Loan, Credit Card, etc Better you call your Bank and inquire.

 

Not sure about Mortgages, how that works, but one of the Mortgage Brokers I spoke to at Countrywide Residential, showed me a Booklet, which states "You must be a Permanent Resident to get the PPI Benefits". He was the only one who had such a written record, not even my Bank :)

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Did they re-finance the loan at the same rate as the first.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Fantastic you are home and dry then

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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