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    • Just remembered!   Now I know this is no laughing matter for either your or your parents, but I guarantee if you read the following  http://nebula.wsimg.com/e3da92cb966c72de63ec1f98605c2954?AccessKeyId=4CB8F2392A09CF228A46&disposition=0&alloworigin=1  by the end you won't be able to contain the giggles 🤣   On a more serious note, quote this in your WS as a persuasive case in (5).  Here there is VCS, someone who left the site, no locus standi, lots of stuff similar to your parents' cases.  And VCS took one hell of a hammering!         
    • You are wonderful, Dave!!   I shall get the WS drafted soon as I can! Thank you so much for your help!
    • I thought they were not allowing people to sign for recorded delivery/special delivery now meaning it could still be argued that they ever received it     
    • Don't worry about the questions - that's what we're here for.   I'll try and flesh out the arguments and answer your questions at the same time.  Let's use "I" to refer to your mum as it's her WS.   1.  Sequence of events Describe briefly that the driver parked in the retail park and visited Citygate garage, thinking it was part of the retail park.  Upon return to the vehicle there was no windscreen ticket or indication of any infringement.  Later I received a PCN for parking in a restricted area, then various threatening letters, after a Letter Before Action which I replied to and finally a claim form.   2.  Locus standi VCS are not the landowner.  The contract they have provided is not with the landowner, it is with another company, it ran out in 2018, the company it is with went into liquidation in 2019, the contract cannot possibly be valid.   3.  No keeper liability VCS should be suing the driver, they have not established keeper liability under POFA (you know all about the 29-56 day stuff, quote it all from POFA).   (Yes!  Good find on their sign!  Include the sign and say VCS maintain they have images that can identify the driver and yet have not identified me as such).   (Yes, keep it vague as to who was driving, it's up to VCS to prove, not you.  They could easily have used POFA correctly but have complete contempt for the law so haven't).   4.  Planning permission VCS go to great pains in their WS to emphasise their signage, none of which I disagree with.  However I do not believe they have planning permission for these signs which is a criminal offence under Town and Country [Advertisements} regulations and means no contract could be formed.  I have requested proof of planning permission from VCS by means of a CPR request but they have not replied.  I have searched XXXXX council planning portal and I cannot find planning permission for the signs.  Their CoP incudes that they must obtain all legal permissions yet they have not done so (look up the bit on the IPC CoP):   (You can't prove a negative.  The work you've done here is more than enough.  They have to prove they have planning permission yet have not).   5.  Predatory practises These are forbidden by the CoP (again, look the section up) (a)  The driver did not find the Notice to Driver on their return to the car although it appears in VCS's photos.  As the car park is patrolled, it is unlikely that a member of the public removed it.  I believe the patrol officer photographed it and removed it.  This is a well-known tactic used by PPCs so that the motorist misses the chance to pay during the discounted period.  I enclose a statement by Mr XXXXX which confirms what i say. (b)  The driver visited Citygate garage which is a matter of metres away from the retail site, in fact the driver thought it to be part of the site.  The patrol officer could easily have mitigated the loss by informing the driver of their mistake, yet did not. (c)  The parking violation alleged was to have left the site, yet the PCN is for a completely different violation, parking in a restricted area.  The area was not restricted, there were no permits to show or payment to be made, it is a free public car park.  This error was made either out of incompetence or deliberately to confuse me and make it impossible to appeal.  In any case in their WS VCS are alleging a completely different breach of contract that that stated in their PCN and in all their previous correspondence I would point out that the patrol officer will not attend the hearing so I will not be able to cross examine him, and I am confident that neither will the WS author since from research I have carried out I have discovered that neither Ambreen Arshad nor Mohammed Wali (VCS's other paralegal) who always write the company's WSs ever attend hearings, presumably to avoid cross examination.  Its is especially easy to attend on-line hearings during the COVID pandemic as no travelling is involved.   6.  Unicorn Food Tax Easy, copy from Alaska 101
    • Good evening. thank you for the add. I have a problem with returning a Dell laptop within a 14 day cooling off period. I bought it online on the Dell uk website, and it was delivered to me on the 6th of September. I could not set it up because I was stuck at one of the steps (got the frozen screen and I could not get past it waiting for hours for something to happen). Then I contacted Dell Technical Support. I spent over 4 hours with their advisors on the phone and whatsapp and they could not help me to resolve this problem. So there seems to be a software( or hardware?) issue and I want to return it. I have tried to arrange a return thru the Dell website by picking the date, however, I did not receive any email confirmation of this and nobody showed up on the day. I phoned and emailed and they said I could not return it. Earlier this week I have contacted both their customer service and complaints emails with no success. They are not giving me their returns address. The guy in the 2nd email was trying to offer me a £130 off voucher but never got back to me with the returns address in the UK. I have used the Resolver  site yesterday to write another complaint quoting Dells own returns policy as well as the Comsumer Rights. My return window is running out. What can I do now?
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Egg Credit Card Confusion!


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Hello All!

 

This is my first post, and I am very glad I have found this forum!:)

 

I have had an Egg credit card for some years, and was one of those customers they axed when they were taken over nearly a year ago. I am still paying off the c/c balance, which currently STILL HAS PPI added to the account. I cannot find anywhere on their site where I can opt out of this, and so am paying nearly £80 a month in PPI alone.

 

I am currently unemployed and so am only paying back the minimum each month, plus their PPI.

 

My real confusion lies in the letter they sent out to me before Xmas in response to the FSA investigation, suggesting I *may* be entitled to PPI refund for the period Oct 2005 - April 2007. The letter concludes that if I have any concerns with the way PPi was sold to me I should call a freephone number.

 

My questions are these;

 

Has anyone else received this letter?

 

How can I stop these PPI payments?

 

Can they be refunded to me, and what should I do next? I would prefer to put things in writing I think, rather than call them.

 

Thank you in advance for any replies...I would really appreciate any thoughts or advice!

 

Thank you

 

Gipsy Girl

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Just to say that I am busy reading up all the excellent info you guys have posted on threads across the forum: there is so much to take in! I think my course of action will be to start with submitting a Subject Access Request to Egg.

 

I think I also understand why they have refered to the dates above as they seem to have acknowledged misselling to customers within this time frame. (??)

 

I am still interested to hear from others who may have recived a similar letter from Egg?

 

Gipsy Girl

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Background to why you received the letter:

Egg fined £721,000 and will compensate PPI customers

 

I would have thought that it will be a full refund from the date it was taken out until the present day, plus interest charged on it, plus potentially 8% court interest on that.

 

Unless something else happened to your account in April 2007???

 

I would be interested to see a copy of the letter.

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Because the FSA did not come about until 2005 is the reason why they where only fined from 2005, but remember if you had your card before that date you can claim back as far to the point they charged you PPI.

 

This Letter will confuse many customers in that they will think they can only claim back to 2005, which is one of the reasons egg decided to send out this letter.

 

Do not be fooled claim back every PPI payment you have made plus interest at 8%.

 

So yes ignore that letters instuctions and send of an SAR letter asking for a copy of the agreement and every statement they have sent you.

 

Regards

 

Pompeyfaith

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Thank you everyone for your responses - I'm going to get a Subject Access Request letter off tomorrow.

 

I will also try to get my scanner up and running and will post a copy of the letter on here. (The letter also refers to the fact that I cancelled the PPI in April 2007, which fits in with my recollection, however they are still adding it to my account.)

 

Thank you again, and I will update as I get more info.

 

Gipsy Girl

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Please point out to them about cancelling and still paying, don't wait for the SAR to complain about that.

They probably owe you enough to pay off the debt:D

Any opinion I give is my own and given without

any liability.

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Good Luck

 

You have nothing to lose but a lot to gain.

 

Thanks for clicking my scales.

 

Regards

 

Pompeyfaith

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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  • 2 months later...

UPDATE

 

I have uploaded the letter I received from Egg before Xmas for peoples information. (It is as 2 pdfs as I wasnt sure how best to do this).

 

I sent off a SAR with £10 chq, and have only received half of the information I requested. They have sent details of the history of the loan account, which has no ppi, but have ignored completely the credit card account this letter pertains to and which I requested the history of.

 

I am looking into where to go from here - any comments or suggestions welcome as ever!

 

thank you

 

GG

egg letter 1.pdf

egg letter 2.pdf

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