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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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I am in need of advice about a PPI that I had refunded in August, 2007. I have a loan with Lloyds which they refunded the PPI which I received as a cheque. The loan is still in existence. The problem is the loan at that time was unenforceable and stayed that way until September 2008 when suddenly they produced the credit agreement. No problem there is alway the chance that this could happen. However the problem is they did not acknowledge the repayment of the PPI and have kept the loan at the amount with the PPI and have kept adding the interest on to the loan throughout the period of unenforcement. I spoke to LLoyds and they stated that I HAD TO PAY THE PPI BACK!!!

 

I wrote to the CEO personally asking him to investigate and send me the correct balance. I included loads of evidence proving my case. He did not have the manners to reply but I recieved a snotty letter from Customer recovery stating that it was my responsibity to pay the refunded PPI back to my loan!! This was my money and I decided what was donewith it. I was living on IS through long term sick leave and needed money to feed and keep myself. I retired in January 2009 and had not worked at all from 2007 through ill health. This they were aware of even though they have denied it.

 

Does anyone have advice on:

 

The formula for working out the true balance of my loan, which is inthe hands of DCA now.

 

LLoyds reply to my letter does not even acknowledge the unenforced period which has added a not too small amount of interest.

 

I have also contacted the FOS about these issues. I am a pensioner now and have offered the minimum required by law. This they and DCA have totally ignored.

 

I would really appreciate some advice on this.

 

Regards:confused::(

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Hello Thomas,

 

welcome to the ppi forum:)

 

I am in need of advice about a PPI that I had refunded in August, 2007. I have a loan with Lloyds which they refunded the PPI which I received as a cheque. (can you please explain how they came to refund the PPI?) The loan is still in existence. The problem is the loan at that time was unenforceable (please explain on what grounds it was unenforceable?) and stayed that way until September 2008 when suddenly they produced the credit agreement. (Is the credit agreement enforceable and is it applicable to your loan? Do you have evidence of the PPI refund with appropriate documentation?) No problem there is alway the chance that this could happen. However the problem is they did not acknowledge the repayment of the PPI (surely there must be a record of the cheque you received within your bank statements) and have kept the loan at the amount with the PPI and have kept adding the interest on to the loan throughout the period of unenforcement. I spoke to LLoyds and they stated that I HAD TO PAY THE PPI BACK!!! (Now why if they have refunded the PPI for whatever reason and the payment was by cheque and that cheque will be recorded within you bank statements would they suddenly turn around and demand the PPI back?)

I wrote to the CEO personally asking him to investigate and send me the correct balance. I included loads of evidence proving my case. He did not have the manners to reply (banker remember) but I recieved a snotty letter from Customer recovery stating that it was my responsibity to pay the refunded PPI back to my loan!! This was my money and I decided what was donewith it. I was living on IS through long term sick leave and needed money to feed and keep myself. I retired in January 2009 and had not worked at all from 2007 through ill health. This they were aware of even though they have denied it. (without knowing all the full details of your case it would seem you have been repaid PPI and because they see you have a period of sickness they recall the PPI that has been refunded).

Did you make any claim on the PPI during your sick absence between 2007 and 2009?

The more information you can provide the more advice you can get from cag

 

Does anyone have advice on:

 

The formula for working out the true balance of my loan, which is inthe hands of DCA now.

 

LLoyds reply to my letter does not even acknowledge the unenforced period which has added a not too small amount of interest.

 

I have also contacted the FOS about these issues. I am a pensioner now and have offered the minimum required by law. This they and DCA have totally ignored.

 

I would really appreciate some advice on this.

 

 

Please find information on DCAs here...

 

Debt Collection Industry

 

aa

  • Haha 1

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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Hello Thomas,

 

 

 

Please find information on DCAs here...

 

Debt Collection Industry

 

aa

Hi Alanalana,

 

Thank you for your reply. I will answer your questions as best I can.

 

Lloyds agreed that the PPI was missold on the 16th August, 2007 and refunded September 2007 .They actually refunded the PPI from three loans, two of which were fully paid leaving this loan still active. This is the statement put in their letter:

 

'To help me fully investigate your concerns I requested a statement from the sellers at ..........branch who sold the loan protection. Unfortunately the staff members no longer work there and therefore I am unable to establish what was discussed at the sale.

 

I would therefore like to offer you full refund of premiums plus interest on all three loans."

 

They sent a copy of the agreement in August, 2008.

 

In the latest letter I received in response to my complaint to their CEO in February 2009 they agreed that they had refunded the premiums but they expected me to pay it back into the loan.!! They did not mention this when they refunded.

 

Lloyd's had declined every application for PPI I sent them for my monthly loan instalments in January, 2007 and March 2007 when on sick leave.

 

I insisted that the PPI portion of the loan be refunded in cash.

 

The credit agreement became unenforceable 42 days after the 29th May, 2007 as a copy of the credit agreement had not been provided regardless of three requests to Lloyds.

 

They sent a copy of the agreement in August, 2008 when I received demands for the repayment of the loan.

 

All I am asking is that they acknowledge that the loan is now for loan without the PPI. My understanding is that the PPI refunded has been repaid to me in cash and therefore should be taken from the total of my repayments thereby leaving a balance which should be taken from the loan without the PPI.

 

My formula?

 

example: Loan with PPI 3000pounds = PPI 1000pounds refunded. Loan now 2000pounds

 

Payments made 2000pounds, minus 1000pounds (refunded PPI), balance left 1000pounds.

 

I just required them to acknowledge the changes to the loan agreement and send me a correct and upto date balance as I am not sure if I have calaculated it properly now as I don't want them demanding more than they are entitled to.

 

Then there is the issue of the added interest. They did not acknowledge the unenforceabilty at all, even though I provided the evidence. This interest has made a lot of different to the amount they are now demanding.

 

 

I hope you can understand my answers. It is quite complicated.

 

Thank you for your help. Please ask any more questions you may have.

 

Regards

Linda.

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Thank you for your reply. I will answer your questions as best I can.

 

Lloyds agreed that the PPI was missold on the 16th August, 2007 and refunded September 2007 .They actually refunded the PPI from three loans, two of which were fully paid leaving this loan still active. This is the statement put in their letter:

 

'To help me fully investigate your concerns I requested a statement from the sellers at ..........branch who sold the loan protection. Unfortunately the staff members no longer work there and therefore I am unable to establish what was discussed at the sale.

 

I would therefore like to offer you full refund of premiums plus interest on all three loans." repayment was personal cheque to you and not to pay off any balance remaining on the loan?

They sent a copy of the agreement in August, 2008.

 

In the latest letter I received in response to my complaint to their CEO in February 2009 they agreed that they had refunded the premiums but they expected me to pay it back into the loan.!! They did not mention this when they refunded. IMO they cannot do this once you have been refunded. I would ask others for their opinion on this.

Lloyd's had declined every application for PPI I sent them for my monthly loan instalments in January, 2007 and March 2007 when on sick leave. So they failed to honour the agreement and cover the PPI payments. The policy was obviously worthless like so many others sold.

 

I insisted that the PPI portion of the loan be refunded in cash. Which you received.

The credit agreement became unenforceable 42 days after the 29th May, 2007 as a copy of the credit agreement had not been provided regardless of three requests to Lloyds. Did you request the agreement using cca request s77 to s79 of the Consumer Credit Act 1974 including the £1.00 statutory fee?

 

They sent a copy of the agreement in August, 2008 when I received demands for the repayment of the loan.

 

All I am asking is that they acknowledge that the loan is now for loan without the PPI. My understanding is that the PPI refunded has been repaid to me in cash and therefore should be taken from the total of my repayments thereby leaving a balance which should be taken from the loan without the PPI. If you received the full refund of the PPI then there should have been a revised repayment figure on your loan and this should have excluded any PPI. ie PPI cancelled as refund repaid after they agreed it was mis-sold.

My formula?

 

example: Loan with PPI 3000pounds = PPI 1000pounds refunded. Loan now 2000pounds

 

Payments made 2000pounds, minus 1000pounds (refunded PPI), balance left 1000pounds. Do not follow this formula perhaps another on cag can advise better than I could.

I just required them to acknowledge the changes to the loan agreement and send me a correct and upto date balance as I am not sure if I have calaculated it properly now as I don't want them demanding more than they are entitled to. To get the information you can send a Subject Access Request with a fee of £10.00 asking for all the information they hold. You should get a true copy of the agreement with terms and conditions and statements showing the balance as it currently stands, plus copies of letters etc.

Then there is the issue of the added interest. They did not acknowledge the unenforceabilty at all, even though I provided the evidence. This interest has made a lot of different to the amount they are now demanding. You may get further advice if you call the FOS. They are slow dealing with complaints but they could point you in the right direction before you take further action.

 

I hope you can understand my answers. It is quite complicated.

 

Thank you for your help. Please ask any more questions you may have.

 

Regards

 

 

Have done in blue above if you sent three requests for the agreement they would IMO not be required to supply a copy unless the £1.00 fee was sent as is required in the Consumer Credit Act 1974 s77 to s79

 

Hope this helps:)

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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Hi thomass,

 

I have thought about this in some detail.

 

The amount you pay off of your loan each month takes into account the amount of interest that both the Cash and LPI parts will accrue over the life of the loan. Therefore, the amount you pay each month is not the exact amount that comes off of the balance of your loan; it is less.

 

The amount you were refunded should have included either

 

(a) just the payments made so far on the LPI, or

(b) the payments made so far on the LPI and the remaining balance of the LPI.

 

The payments you have made so far always includes some of the interest.

 

For example, for a cash loan of £3000 with £1000 LPI (total £4000) over a period of 3 years (36 months) with an APR of 10%:

 

The monthly repayments are £129.07 (which is £96.80 for the cash part and £32.27 for the LPI). Say you were refunded the LPI after 18 months (half the loan term). You would have already payed £580.86 off of the LPI, which includes £118.14 interest. The remaining balance of the LPI loan would be £537.28. So, the total refundable is either

 

(a) £580.86, or

(b) £1118.14.

 

Can you determine from your figures which amount you were refunded?

 

If you were refunded (a) then they would have to adjust the remaining balance of your total loan from £2149.10 to £1611.83, which is the remaining balance of the cash part. They could then either,

 

(i) continue collecting the original monthly repayment figure (£129.07), or

(ii) collect only the Cash Loan repayment figure (£96.80).

 

If you continue with (i) then you will pay the loan off quicker than 36 months. If you swap to (ii) then it will take exactly 36 months as before.

 

However, if you were refunded (b) then they do not have to adjust the remaining balance of your total loan because you have been refunded the LPI in total, including interest. If they adjusted your remaining balance as well then they would be refunding you almost twice. It is then up to your what you do with the money.

 

The remaining balance of the loan does not equal the amount that is left to pay. After 18 months you would have made £2323.26 in loan repayments. However, the remaining balance is not the original loan amount (£4000) minus this (which would be £1676.74), but it is actually more: £2149.10 (as mentioned above). The difference is £472.36, which is the accumulated interest after 18 months.

 

This is close to how it works, but not quite. Here I assume that the interest is compounded monthly, but in reality it is compounded daily. It also does not include repayment holidays, missed repayments or the fact that the time from buying the loan to the first repayment date varies from person to person. This does not make huge difference in the figures though.

 

As for me, the problem I have been having with Lloyds is that they refuse to make such a refund, in full or in part. I am very interested in maths and hence I have wanted to understand exactly how loan-repayments work.

 

If you provide the exact figures then perhaps I/we can determine what you have been refunded exactly.

 

Resonate.

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