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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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      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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You have six months after whatever company issues it's final response to take it to the Ombudsman

"People need dramatic examples to shake them out of apathy, and I can't do that as Bruce Wayne. As a man, I'm flesh and blood. I can be ignored, I can be destroyed. But as a symbol … as a symbol, I can be incorruptible. I can be everlasting"

 

- Batman Begins

 

 

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You have six months after whatever company issues it's final response to take it to the Ombudsman

 

Seems not to be the case ,.. can you please guide me to this in any regulations? as the below statement leads me to believe otherwise

 

You can contact the ombudsman direct once you have been through the normal complaints procedure.

There is a time limit for making the complaint. This is no later than a year from the date when you first became aware of the events which you are complaining about

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hi enoughisenough.what they said was with the £40 charges and added interest it comes to £1450 so what they have done is added that to the number of mths with got left to pay mortgage off which is about 13 and half years they added £8 something to our monthly payment to pay charges and interest off.but on top of that they told us we got intrest on top off £1450 which will be adding up but they already charge us intrest so haw the hell can they do that l am phoneing on friday to get it all in writing then we will se wer to go from there.

 

Hi

 

I think you may have got it confused a little bit!

 

You only have 1 amount of £1450 which would be the fees & added interest. As you say, you'll clear that over the remaining term at £8 a month as long as you dont fall further into arrears or incur anymore charges. There isnt another £1450:-)

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Just an update on this.

 

The FOS have now decided to pursue the underwriters after 6 months of messing about with first Ocean finace, then GE!

 

Haven't even been given an adjudicator yet!

And now 2 different cases as both loans had different underwriters, Sterling Life and Cigna.

 

So if you are in the same position, ask the FOS if you can pursue the underwriters

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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Just an update on this.

 

The FOS have now decided to pursue the underwriters after 6 months of messing about with first Ocean finace, then GE!

 

Haven't even been given an adjudicator yet!

And now 2 different cases as both loans had different underwriters, Sterling Life and Cigna.

 

So if you are in the same position, ask the FOS if you can pursue the underwriters

 

Spread the word with perhaps a new thread with a different title ;)

 

Let All of CAG know this

 

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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  • 1 month later...

I have been trying to re-claim PPI from iGroup (now GEMoney) since 2005 all to no avail. They have given me and the FOS the complete run around.

"It's not us, it's Ocean Finance, or Albaster (now expired), or the Underwriters, etc, etc.

I am no nearer a solution than 5 years ago.

 

Anyway, it has occured to me that they didnt give me any rebate for the PPI (which totalled £2000) when I paid off the entire loan in 2005.

 

They are saying that I should have requested a rebate as per the policy document, but they never sent any document so I had no idea, I simply thought it was automatic. They also reckon that I have had the cover for 6 years since so wouldn't be allowed any rebate anyway.

 

What is the legal stance with this?

Surely the rebate should have been automatic?

 

Can anyone advise on this?

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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What do you mean by rebate?

 

 

Do you mean misselling?

 

When you say that they have given the FOS the runaround, what has happened?

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Sorry, didnt explain very clearly did I?

 

Been trying to claim my PPI back from 2004.

I know I was mis-sold but GE Have simply said "we were the loan provider, it's the broker you should be omplaining about" so the Financial Ombudsman agreed.

We then complained to Ocean Finance but they weren't regaulated at time of loan, so now we are trying the underwriters, who have simply said, "no, it's GE who were at fault"!

 

So now I'm looking at if I can complain about the rebate that I should have had when we made an early repayment of the loan.

The PPI was for £2000 over 6 years but I only made 10 monthly payments before paying the whole amount off. No rebate of PPI was ever given back. GE are saying that I should have asked for a rebate according to the policy document, but I never received a policy document, and surely a rebate should be automatic anyway.

They are saying that I have had 6 years cover since, so I have had the benefit of cover all that time.

 

Any advice welcome

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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From my understanding you should of been paid the rebate automatically. If you can prove you was missold you would be due back the full 2000 plus the interest from your 10 payments and you could also request 8% Stat interest.

 

It would be GE who you would make the claim from, when you say 2004, what month did you pay the loan off, their may be problems here with it being over 6 years and the statute of limitations,this would be a good efense from GE.

 

 

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In what way was the PPI missold? Do you have evidence?

Have you got this in writing from the FOS?

Has the FOS agreed that it was missold?

What would be the value of the rebate.

What would be the value of the entire PPI?

Were Ocean Finance regulated at the time you paid the loan off?

Who is it that is saying you had 6 years cover? If the loan was paid off then there was no insurable interest - isn't that correct? or did the PPI cover something else other than the loan?

 

Have you got this 6 years cover thing in writing from whoever it is?

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In what way was the PPI missold? Do you have evidence? yes

Have you got this in writing from the FOS? yes

Has the FOS agreed that it was missold? yes

What would be the value of the rebate. not sure

What would be the value of the entire PPI? £2150

Were Ocean Finance regulated at the time you paid the loan off? yes

Who is it that is saying you had 6 years cover? GE Money

If the loan was paid off then there was no insurable interest - isn't that correct? or did the PPI cover something else other than the loan? There was some life insurance involved also

 

Have you got this 6 years cover thing in writing from whoever it is? yes

 

Thanks, I didnt think about there being no insurable interest. The life insurance was only for me and not joint, whereas the PPI was joint. Hmmm.

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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email me on the admin address - admin@

 

let me have landline number

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  • 2 weeks later...

qucik update.

 

GE have wrote to offer to refund me but no mention of amount (yet to be worked out) and no mention of the 8% interest on the money fro the 4.5 years since this all happened.

 

They are sending me an offer in the post.

Should I still be looking for 8% per year since June 2005, or is that only when Ombudsman rule in your favour?

 

This is regarding the rebate of the insurance premium, not mis-selling

Edited by chrisb333
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Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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If the money has been paid by you under a mistake then you are entitled to interest on it also.

They won't offer it to you voluntarily.

 

Now that they have said that they are going to make you an offer, wait and see what that offer is and whether it is conditional on full and final acceptance.

 

Come back here and let us know.

 

I asked you to contact me as I think that we may be able to help you on this but you have not responded

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  • 3 months later...
I dont work for them, i work for the CAB who has dealt with them and other companies.

 

They do have a local number you can ring that is available.

 

 

Goodness, this poster works for the CAB!!! - Having read the attitude of this poster to those suffering at the hand of extortion charges, please god, if ever I have to get advice from the CAB - please don't let this bank-lover be the one to give me advice. For sure the advice will be to my detriment! I wonder if others in the CAB also display the same attitude as this poster...

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Goodness, this poster works for the CAB!!! - Having read the attitude of this poster to those suffering at the hand of extortion charges, please god, if ever I have to get advice from the CAB - please don't let this bank-lover be the one to give me advice. For sure the advice will be to my detriment! I wonder if others in the CAB also display the same attitude as this poster...

 

 

Come on supersleuth, why would you want advice from CAB when you get the proper advice from CAG;)

 

I don't think our friend from the other side has ever had any personal dealings with those bar stew@rds from GE Money.

 

I have, and they are due a letter before action. POC being drafted as we speak.;) Hello Mr T Simpson, you obstructive @rse in the Contentious Litigation Department.:grin:

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Come on supersleuth, why would you want advice from CAB when you get the proper advice from CAG;)

 

I don't think our friend from the other side has ever had any personal dealings with those bar stew@rds from GE Money.

 

I have, and they are due a letter before action. POC being drafted as we speak.;) Hello Mr T Simpson, you obstructive @rse in the Contentious Litigation Department.:grin:

 

Doh! Mr Simpson, how right you are!

 

You're right. I've never had much faith in the CAB anyway, but I know that a lot of people do trust them (sometimes rightly and sometime wrongly)

But, quite honestly, advice from 'theotherside', whilst accurately describing himself as being on the other side would still cause some people to misplace their trust in his 'advice'. And yes, you're right again, honest impartial advice from a large pool of decent independent balanced people who have real past experience of particular issues on this site is by far, the best source of good wholesome advice.

 

CAB eat your heart out on the other side!

 

Very best of luck with the litigation Homer...

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sad to say - I agree, the advice I have received from cab on a case CAG helped me to win would be that I would still be paying an ulawful agreement tens of thousands of pounds for a scrapped car worth about 1k tops - thanks again CAG and all those who give of their time tirelessly for genuine reasons.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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  • dx100uk changed the title to re-claim PPI from iGroup (now GEMoney)
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