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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Newbie: Help on Picture Financial PPI


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i sent my claim into fscs regarding my ppi with picture secured loan , received letter and copy of my credit agreement back from them yesterday and saying they will look into my situation

 

see what happens ..... on my credit agreement i have over £12000 added ppi

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Another claimant received their cheque today, and their insurance was cancelled at the same time.

 

 

IGNORE THIS POST CLAIMANT WAS MIS INFORMED POLICY CONTINUES.

Edited by pinknico
WRONG INFORMATION.

Any opinion I give is my own and given without

any liability.

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Hello honestbob, the claimant who got her cheque today had a friend who's claim was refused quite early on, she has appealed.

Any opinion I give is my own and given without

any liability.

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Checked with Deloittes and ours is still waiting for senior approval before sending back to FSCS so I imagine another month. Thanks Pinknico for clarifying that the policy is closed when the claim is approved.

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Sorry old Wulf that claimer was mis informed by FSCS customer services,

 

Her letter has now arrived and the policy IS NOT cancelled, it will continue to run for the 5 years.

 

 

Thanks for the update - we are not relying on it though - as soon as we realised how bad the policy was and that we couldn't cancel and get our money back we took out alternative insurance which costs a fraction of the Picture insurance and actually covers us!

 

I still think we should still be entitled to the no claims discount as well because the FSCS payout is for the mis-selling of the policy not the cancellation or claim against the policy. The policy has been paid in full and as long as the Picture monthly installments are met (ours are though it is a struggle every month) then we should also be due the no claim bonus.

 

As Picture haven't passed on any interest rate cuts at all I feel inclined to persue them for every penny I can get back. Picture get into trouble they declare themselves insolvent and someone else picks up the pieces, we get into trouble and they will not think twice about re-possession.

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  • 2 weeks later...

Has anybody had any correspondence lately ? i sent back the forms completed that deloitte had sent to verify details etc a couple of weeks ago , havent heard anything since anybody know what the next stage is for me ? also anyone got any news on picture claims at all ?

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Five more people got their cheques last Thursday on the MSE forum, some were Priority, others had returned their forms via the FOS last year

July/ August 2008.

Any opinion I give is my own and given without

any liability.

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Hi

Noticed that a few people here (and on Martin Lewis' site) have queried what they should do about the Cashback 'no claims' bonus. Just wanted to say that I recently accepted my first payment from Picture and did so after consulting with FSCS and one of their Senior Claims Negotiator's stated :

"I can confirm that by accepting the £X cash-back element of your PPI, this will not affect the eligibility of your claim with the Financial Services Compensation Scheme. However, if your claim is found to be eligible, and if you have accepted the £X, it is highly likely we would deduct that amount (and any other payments you receive) from any possible compensation you may receive".

 

Thought some of you may find this helpful.

 

Good luck everyone - nearly there!!!

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Hi, I've just arrived at this website and forum and wonder if any one could enlighten me on a couple of issues

 

I have a substantial PPI with picture finance on a joint secured loan from March 06

 

 

I believe we were missold on the following grounds:

  • 5yr cover - 20 year loan
  • only one person covered - joint loan

is this enough to make a claim and does this go thru FSCS in writing (post strike permitting)?

 

I've also received £3900 back as we have'nt claimed - any issues here?

 

Lastly what happens to the PPI which was added to the loan value, if we are successful and have this paid, do we still continue paying Picture the full amount , I'm not sure how this works

any advice would be very much appreciated, many thanks

Edited by Outfor23
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If you call the FSCS they will tell you how to file a claim.

The FSCS are dealing with mis selling claims slightly different to the FOS as in they go by whether you were given bad advice about the policy.

If you have a successful claim then you will receive a cheque for the PPI amount minus any rebates received.

You can then use this amount to pay of Picture if you wish.

The policy is not cancelled unless you want it to be.

Any opinion I give is my own and given without

any liability.

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No problem but remember if you win you can still pay the money back to Picture and NOT cancel the PPI and so claim your further no claims bonuses. This may work out more than what Picture refund you for cancelling. But you would need to look into this and work out what is best for you.

Any opinion I give is my own and given without

any liability.

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I've received some of the no claims bonus and I was told by Picture recently that if I cancelled my ppi then it would make no difference to my repayments.

 

Congratulations to everyone who has received a cheque!

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Congrats Pink!

 

Could anyone kindly furnish me with an email address for Deloitte's so I can chase them for an update on my case please (I called them for the first time last week and had a nice chat but got the impression further calls wouldn't be overly welcomed).

 

Many thanks in advance.

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File this one under 'strange but true'...

 

Phoned Deloitte last week (on 21/10/09) to be told that my case is awaiting assessment and given the standard '6 months etc' line however, on contacting them today, I was told it was passed back to FSCS for a final decision on 09/10/09. Obviously, called the FSCS who were as non-committal as ever but at least I'm a lot closer to the potential light at the end of the tunnel. Can't help but feel a bit miffed at the duff information though.

 

Continued good luck everyone!

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