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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Firstplus FOS complaint **WON**


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Varda,

 

On the Spreadsheets I done for you it says £19,065.72 plus 8% simple interest comes to £20,590.97 so this is what you should get back minus any settlement to pay on the loan this figure i do not know.

 

To get a Loan settlement you will have to write or ring the lender to find that out.

 

Regards

 

PF

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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Anyone have any ideas as to how long it takes if I refuse the offer without compensation and it goes to the Ombudsman. I rang the FOS today and my adjudicator is on holiday until 2/6/09 and I must respond by 1/6/09. His manager is also on holiday no one else could help me today.

I also rang Firstplus and to ask them how much I would receive in a refund to me and how much would go against the loan. The person I spoke to said he could only give me a rough estimate. £3320 refund for which I would get a cheque, I would also get a 2nd cheque for the interest at approx. 8% from the date of each payment to the date of settlement. The remainder of approx. £17k will be offset against the outstanding loan. The loan would be restructured and the monthly payments reduced accordingly. Does this sound right? I just don't know what to do, I know noone can tell me that but is it worth refusing and going to the Ombudsman for the £500 compensation. I don't want it to drag on for months.

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Anyone have any ideas as to how long it takes if I refuse the offer without compensation and it goes to the Ombudsman. I rang the FOS today and my adjudicator is on holiday until 2/6/09 and I must respond by 1/6/09. His manager is also on holiday no one else could help me today.

I also rang Firstplus and to ask them how much I would receive in a refund to me and how much would go against the loan. The person I spoke to said he could only give me a rough estimate. £3320 refund for which I would get a cheque, I would also get a 2nd cheque for the interest at approx. 8% from the date of each payment to the date of settlement. The remainder of approx. £17k will be offset against the outstanding loan. The loan would be restructured and the monthly payments reduced accordingly. Does this sound right? I just don't know what to do, I know noone can tell me that but is it worth refusing and going to the Ombudsman for the £500 compensation. I don't want it to drag on for months.

 

Your shout here varda but for £500 is it worth the extra months of waiting you have a result which is a cracking result £17k off the loan and a cheque for £3320 in your hand. As much as I am loathe to accept this (I would like to see the bank pay up every last penny) at least your time letter writing etc would be over. No more sleepless nights thinking about the next letter or next post on CAG.

 

At the end of the day if you are happy to accept then that is fine and if you are not happy to accept then that is also fine and we go on: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.

 

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  • 2 weeks later...

I have been reading the various threads on CAG but this is the first time I have attempted to join in. Please accept my apology if I transgress the etiquette

 

I have received an offer for the return of the PPI premium, plus interest, from BoS. They wish to use this to reduce the loan. For my own reasons I wish the premium and interest returned to me. What is the situation? Can I insist on the funds being referred to me or do BoS have the right to make the decission.

 

The other problem being that the credit agreement is in default but BoS insist that what they have sent is compliant. This is palpably not so. This may therefore result in a referral to the Ombudsman. Is this dispute reason enough for me to demand the payment direct to me or will BoS insistance that the account is not in default provide them with a reason for applying the return of premium to the loan?

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Hiya Luss,

 

IMO the Loan cannot be in default as it is in dispute by you and remains so until they return what is rightly yours.

 

Did they issue a default notice while your complaint regarding PPI was ongoing?

 

Too Many banks are trying to ofset refunds for PPI against a Loan/Credit Card and this is clearly not on as it is your money and not theirs and the object of a PPI claim is to be put in the position you would have been in had you not had the policy forced on you.

 

So to be put in that position the refund has to be paid to you.

 

I would send a letter to the bank explaining the above if that does not work you will have to make a complaint to the FOS.

 

Regards

 

PF

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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Just to keep you all informed I rang the Adjudicators office who advised me that if I wish to escalate to the Ombudsman in order to get the £500.00 compensation it could take several months. He also said that it can happen that the Ombudsman may not agree with the Adjudicator. He said it is not often that happens as they are trained to review cases in the same manner, but it is a possibility. I decided to accept the offer of full settlement plus 8% interest. This means a refund of the PPI paid + interest. The remainder will be taken off of the loan and I will be in the position had the PPI never be applied. I posted my response to the Adjudicator on 28/5/09.

Not a bad result. :p

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Just to keep you all informed I rang the Adjudicators office who advised me that if I wish to escalate to the Ombudsman in order to get the £500.00 compensation it could take several months. He also said that it can happen that the Ombudsman may not agree with the Adjudicator. He said it is not often that happens as they are trained to review cases in the same manner, but it is a possibility. I decided to accept the offer of full settlement plus 8% interest. This means a refund of the PPI paid + interest. The remainder will be taken off of the loan and I will be in the position had the PPI never be applied. I posted my response to the Adjudicator on 28/5/09.

Not a bad result. :p

 

As you rightly say your call but if you are happy with the result then that is all that matters it is money back in your pocket/purse or wherever: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.

 

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  • 2 weeks later...

HI Varda.

 

Have you had your money from firstplus yet ? We also managed to get them to agree to give ours back on the same terms as you and was trying to get a feel for how long they are taking to return the money.

 

Kanecole

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Well I had a letter from the FOS today and I have now been allocated an Adjudicator. I think this is very good news as I only lodged my complaint with them on 16/3/09. Maybe there is an Adjudicator looking at Firstplus in general.:eek:

 

 

Oh my god how did you manage that ?? I lodged my complaint on 30th December and Im still waiting - then again it is against Welcoem Finance so I can sort of understand :lol:

Forsure

 

** One woman crusade against the rip off lenders ! **

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you are very lucky:lol: my complaint has been going on since oct08 i do get letter updates now and then from FOS they have allocated me a Adjudicator that was about 4months ago its just waiting now, well done with your success:smile:

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:DWhoopee I got 2 cheques today from Firstplus in settlement of my claim. I am off to Spain for my niece's wedding on Tuesday and can now relax a little. The FOS were fantastic and very quick my claim only went to them in March 2009. Thank you to everyone on this site for all the advice and help. Good luck to all my fellow claimers. I will continue to keep an eye on this forum.:lol::D8)

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congratulations_myspace_graphics_02.gif

 

A VERY WELL DONE Varda

 

Enjoy your time in spain you have earned it

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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:DWhoopee I got 2 cheques today from Firstplus in settlement of my claim. I am off to Spain for my niece's wedding on Tuesday and can now relax a little. The FOS were fantastic and very quick my claim only went to them in March 2009. Thank you to everyone on this site for all the advice and help. Good luck to all my fellow claimers. I will continue to keep an eye on this forum.:lol::D8)

 

**Well Done**

:D:D

 

Enjoy your holiday Sunshine and Sangria;)

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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