Jump to content


  • Tweets

  • Posts

    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Advice re Claiming PPI+Unfair charges on personal loan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5564 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Yes it is that Britannia, although the first people to chase us was Blair Oliver & Scott, HBOS's in house monkeys I believe?

 

We sent the PPI complaint to this address:

 

Britannia Building Society

PO Box 607

Trinity Road

Halifax

HX1 2UJ

 

as we have had correspondence from Britannia with this address.

 

Now, having looked back through the file again, we have a letter from

 

Britannia Personal Lending

City House,

City Road,

Chester

CH88 3AN

 

and also:

 

PO Box 140

Normanton

WF6 1YA

 

How many offices do these people need? LOL.

 

I'm sure you're right that Wescot won't want a messy PPI case hanging about so HBOS will have to deal with it.

 

Let's see what Britannia/HBOS come back with.

 

As I say we have CCAs from them for 2 loans and they look enforceable. We're challenging PPI+Charges on both.

 

I can post up the CCAs if it would help?

 

Many thanks as ever,

 

PV:-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Hi,

 

Update:

 

No reply from the Britannia since writing to them re PPI and charges.

 

Received this letter today:

 

BOSOFFER001.jpg

 

Coincidence?

 

Should we bite their hand off?

 

Thanks.

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

LOL! :D

 

I presume you mean we wait for an OFFICIAL response from the OC?

 

We're sure the mis-sold PPI & charges will wipe much more than 40% off.

 

Is this standard procedure then?

 

Thanks

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

I'm thinking of writing to RBS along the lines of "I am bemused as to why I have received a "Special Offer" to settle this account from you whilst it is in serious dispute with Britannia BS.... Unfair collection practice etc..."

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Should we write to RBS re this offer?

 

Any advice gratefully accepted.

 

Thanks

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Hello Possvox,

 

I have just a few questions for you if you don't mind, In one of your earlier posts you stated that you have the original agreement. Was it one that you kept or was it one they sent to you to comply with a section 77/78 request.

 

Has you account been transferred or sold to these DCA's

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

Link to post
Share on other sites

Hi,

 

The accounts are being chased and have not been sold on as far as we know (no NoAs received anyway).

 

We CCA'd them and got enforcable agreements for both loans we are disputing charges on.

 

We wrote to OC (Britannia) a couple of weeks ago and got the "Special Offer" for one of the accounts last week.

 

Hope this helps, thanks,

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

I'm thinking of writing to RBS along the lines of "I am bemused as to why I have received a "Special Offer" to settle this account from you whilst it is in serious dispute with Britannia BS.... Unfair collection practice etc..."

 

PV :-)

 

Should we write to RBS re this offer?

 

Any advice gratefully accepted.

 

Thanks

 

PV :-)

Personally I would ignore it PV ... they cannot be serious with this daft letter ;) ... I think it's just a standard offer they must be making to you and other customers, and has been sent independent of your complaint ... at least, I do hope so!!!

Hi,

 

The accounts are being chased and have not been sold on as far as we know (no NoAs received anyway).

 

We CCA'd them and got enforcable agreements for both loans we are disputing charges on.

 

We wrote to OC (Britannia) a couple of weeks ago and got the "Special Offer" for one of the accounts last week.

 

Hope this helps, thanks,

 

PV :-)

The accounts and the debts may indeed be enforceable, but you are still entitled to claim back the penalty charges ... and also to make your claim for mis-selling of PPI.

 

Give them a bit longer to see whether you receive a sensible response to your claim for mis-selling.

 

:)

Link to post
Share on other sites

  • 2 weeks later...

Hi,

 

Just an update.

 

Received this letter from Westcot this morning:

 

WESCOT005.jpg

 

They seem to be phishing for info here and it also seems that they want us to do their job for them!

 

Is there a good letter to send to them please?

 

Or do we simply ignore them as we haven't heard anything from the OC as yet?

 

Thanks

 

PV :-)

Edited by PossVox
missing file

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Hi PB,

 

Thanks for looking in again.

 

I wasn't logged in to CAG... can you see the letter now?

 

If not, then i'll PM you with it.

 

Ta,

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Hello!

 

Sorry PB, I moved the file when tidying up earlier!

 

It should be visible now.

 

Apologies and thanks.

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Glad you can see it now (How stupid am I?!).

 

We shall send an account in dispute letter to Wescot and state that we don't know how much the charges amount to or how much the PPI cost as it was attached to the loan total. We shall state that we await a definitive response from HBOS/Britannia as to these matters.

 

Would that be OK?

 

Thanks

 

PV :-)

 

p.s.

Britannia sent out an annual statement on one of the loans, covering the period 1/10/08 to 18/10/08, but it merely stated the disputed balance and made no mention of charges or PPI.

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Mornong PV

 

No, not stooopid at all ;)

 

I'm thinking that at some point, Britannia are going to have to work with you to break down the money into what is borrowed, charges and amount for each added, PPI element and interest added on top ... It is your right to have this information.

Link to post
Share on other sites

  • 2 months later...

Hi there,

 

Well it's been a while but today WE HAVE A RESULT!!!

 

The first of the 2 PPI claims we sent in to BOS has come back with the following breakdown:

 

The loan is fully paid off and we have asked that any defaults are removed from the CRAs-BOS have agreed to this.

 

Refund of premiums paid: £360

Refund of interest: £250

Total refund: £610

 

Less outsatanding balance: £550

(the balance that we were chased by FIVE DCAs for that is!!!)

 

Refund to us: £60

PLUS £220 which is 8% compensatory interest!

 

THANKS FOR ALL YOUR HELP!!!

 

CAG WINS AGAIN.

 

We now await a decision on PPI number 2!

 

PV :D

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

Link to post
Share on other sites

Hi there,

 

Well it's been a while but today WE HAVE A RESULT!!!

 

The first of the 2 PPI claims we sent in to BOS has come back with the following breakdown:

 

The loan is fully paid off and we have asked that any defaults are removed from the CRAs-BOS have agreed to this.

 

Refund of premiums paid: £360

Refund of interest: £250

Total refund: £610

 

Less outsatanding balance: £550

(the balance that we were chased by FIVE DCAs for that is!!!)

 

Refund to us: £60

PLUS £220 which is 8% compensatory interest!

 

THANKS FOR ALL YOUR HELP!!!

 

CAG WINS AGAIN.

 

We now await a decision on PPI number 2!

 

PV :D

 

Well done PV, good for you and hope for a good result for no 2:D Will await your good news on that one two

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

Link to post
Share on other sites

hello PV,

Hi there,

 

Well it's been a while but today WE HAVE A RESULT!!!

 

The first of the 2 PPI claims we sent in to BOS has come back with the following breakdown:

 

The loan is fully paid off and we have asked that any defaults are removed from the CRAs-BOS have agreed to this.

 

Refund of premiums paid: £360

Refund of interest: £250

Total refund: £610

 

Less outsatanding balance: £550

(the balance that we were chased by FIVE DCAs for that is!!!)

 

Refund to us: £60

PLUS £220 which is 8% compensatory interest!

 

THANKS FOR ALL YOUR HELP!!!

 

CAG WINS AGAIN.

 

We now await a decision on PPI number 2!

 

PV :grin:

 

:DCracking result PV *well done*:D

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.

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...