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    • Morning guys, I would appear I have more people chasing me than first listed. Apologies for this but I had a Very account for £2292.20 that was sold onto Lowell and Overdales, who sent me a PAPLOC request earlier in the year which I replied with all the usual, sent off CCA request etc. They responded on 07/03/34 with the attached. I guess i forgot to list this here nearer the time, They have sent me another PAPLOC request.  Could you please give me your thoughts on what they replied with previously and what I should do next? img049new.pdf
    • What does the date refer to please? HB
    • 16/10/2023   They feel like the no win no fee solicitors that cant ever help you when you have a clear cut negligence claim
    • Thats the last we heard from them. Can't help but get the feeling they are not there to protect us at all.
    • Dear Mrs Thank you for your complaint about Parkingeye Limited (‘Parkingeye’).  Please accept our apologies for the delay in responding to you, we’ve received a large volume of correspondence in recent months.   At the time you submitted your complaint to us, we understand you were concerned you hadn’t received a response to your subject access request (‘SAR’).   What we do Part of our role is to consider complaints from individuals who believe that there has been an infringement of the data protection law. The Data Protection Act 2018 requires us to investigate a complaint to the extent we feel is appropriate and to inform you of the outcome.     Next   Hopefully you may have received a response from Parkingeye, however if you haven’t received a response and you wish us to consider this further, please let us know within two weeks.
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Capital 1 PPI help please


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Hello everybody. What a great site:D

I am about to try to reclaim PPI costs added to a capital one CC.

I have already recieved a copy of the original application form (they dont appear to have an agreement as set out in the 1974 act :)) and i have sent SAR off and recieved my statements with the info i need.

What i would like to know is, on adding up the PPI charges which total around £700 for 5 years can i claim interest at their contractual interest rate. Also i have seen the single premium PPI calculator but could someone point me in the direction of a calculator that deals with different PPI charges amounts every month.

 

Thankyou.

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Hello Melissa,

 

Hello everybody. What a great site:grin:

I am about to try to reclaim PPI costs added to a capital one CC.

I have already recieved a copy of the original application form (they dont appear to have an agreement as set out in the 1974 act :-)) (If they have no original agreement you can if you wish put the account in dispute and stop payments until they produce one) and i have sent Subject Access Request off and recieved my statements with the info i need.

What i would like to know is, on adding up the PPI charges which total around £700 for 5 years can i claim interest at their contractual interest rate. (Yes) andyou can also claim the 8% statutory interest from the date the loan/card started. Also i have seen the single premium PPI calculator but could someone point me in the direction of a calculator that deals with different PPI charges amounts every month.

 

Thankyou.

 

see this from the CAG library for calculators...

 

Interest calculation spreadsheets

 

hope this helps you on the road to reclaiming;)

 

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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Hi

Ok thanks for the link AA and the added info.

It may be the excitment of claiming my money back or more likely my brain going into confused mode as spreadsheets not my cup of tea but im willing to persevere. I am trying to use the advanced excel credit card ss. Everytime i try to clear or delete the cells so i can input my data i lose the formula. Does someone have a simple answer to my problem.

Thanks MS

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Ok hi all ive managed to sort out my earlier problems with SS.

What i have ended up with is

Total PPI charges is 841.94:eek:

total interest at their contractual rate 758.04:eek:

 

TOTAL 1599.98

 

Not a bad mornings work methinks.:wink:

Will put the post tomorrow and see what they say. I suppose ultimatley it will be the FOS or court and court may not be a bad route as they have had no consent from me to charge for PPI (no tick in application form box and no telephone conversations in results from SAR).

 

And theres 8% to look forward to also :grin:

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Ok hi all ive managed to sort out my earlier problems with SS.

What i have ended up with is

Total PPI charges is 841.94:eek:

total interest at their contractual rate 758.04:eek:

 

TOTAL 1599.98

 

Not a bad mornings work methinks.:wink:

Will put the post tomorrow and see what they say. I suppose ultimatley it will be the FOS or court and court may not be a bad route as they have had no consent from me to charge for PPI (no tick in application form box and no telephone conversations in results from Subject Access Request).

 

And theres 8% to look forward to also :D

 

Well done the main point is if your calculations are disagreed with then cap1 will soon be writing to you:eek:

 

If they say no chance of a refund and the FOS become involved they will ensure the figures provided by cap1 are accurate for any amount of refund you are due.

 

Keep at them: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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  • 1 month later...

hiya mel as u have taken the time to read my mbna thread im subbing this one to help u on your way anyway i can THANK YOU 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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