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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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emma v barclays


emmabk
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can anyone help ? i have now received my info from Barclays ie statements etc

what am i looking for to fill in on the spread sheets i have plenty of DR next to things and lots of unpaid referals.

Am struggling a bit there is so much info all over this site and i'm not great with the p.c navigation thingy!

all help or veiws would be much appreciated.

emma:shock:

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Guest Mumofthreeboys

You need to get a highlighter and highlight all unpaid referrals, unpaid DD's, unpaid SO's, etc, etc.

 

Does this help???

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  • 3 weeks later...

:) hello all

i have been on the chat room and the kind people on there have advised me to post here!

i recently took a £5000.00 loan out from Barclays September last year, i was forced into taking out payment protection and was clearly bullied into the situation.

I also have an overdarft at Barclays of 950.00.

My partner did a runner with the pennies and legally i dont have a leg to stand on as i took the loan in my name soley.

i went to the CAB to ask for help who then wrote to Barclays. I promptly received a letter to say they were CLOSING my bank account.

i went into the bank and rang them i saw the Bank Manger there who also felt this was a little extreme!!

He rang the top bods for advice who advised hiom to cancell all my direct debits as they would continue to charge my account.

He cancelled my mortgage, T.V, water rates gas elecy and so on etc.

please all remember at this point i hadn't defaulted on any repayments of the loan.

i then had to get a new bank account.

I filed a complaint with the Banking Ombusdman who took up my case.

Baclays have not shut my account and are continuing to charge me interest and allow direct debits out of this account(the ones they were not able to cancell!!!)

During which time a friend told me about this website. So i started the ball rolling regarding my bank charges being refunded.

All of this copied to the Banking Ombudsman. Finally the ombudsman dealt with my case several weeks later and has been negotiating with Barclays who have said...... they will refund the payment protection policy money and restructure the loan repayments for 12 months only ...............are you ready.......only if i give up my complaint regarding the Bank Charges!!!

They are still charging me interst , and if they did refund the bank charges this would also clear the overdraft i owe them and mean i pay back and awful lot less on the loan.

I thought the Ombudsman was there to help am i missing something?

I have not yet signed the acceptance form as i am still not very happy remember all i did was go into the CAB and say i was struggling!!!

Barclays have less than 14 days to pay back waht i have requested and the Ombudsman still hasn't sent any paperwork.

I need any suggestions of what to do next as i am at a complete loss!!!!

not to mention worried sick as i cannot afford £150.00 per month for the next 5yrs.

I know some of you will read this and think " silly person for getting a loan out for someone else in the first place" all i acn say is I KNOW! and you can only learn in life by your mistakes!

Any help would be appreciated.

regards Emma

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you say you had to get a new Bank Account. Is it still with Barclays?

Can you continue to pay instalments on your loan ?

Did you send any of the standard letters ?

Have you put in a claim with the Court ?

It would be useful to know at what stage in this process you are. Unfortunately, Barclays can delay things, so you wont get your money very quickly.

It may be worth returning to the CAB and explaining the current situation.

 

I hope someone here can give you some answers

Good Luck

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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I to have a bank loan with Barlcays with personal protection, and I to was bullied in to taking the insurance, I have written and asked to cancel it, but they've told I need to pay off the existing loan. I can't just cancel the insurance. The charge for the insurance is £1900 on a bank loan of £5200 that was taken out for 5 years.

 

Any ideas? - I need to cancel this, I have already started the ball rolling with the charges, so should I leave it until i have that moeny???

 

And whats the CAB????

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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hello

thanks for replying i'm not very good at all this.

new bank account is not with barclays, i can only pay installments at £50.00p/m for 12 months then back to £150.00 which doesn't really help.

i've sent all the letters and the calculation spreadsheets with the 14days to reply......nothing.

Court no?

CAB were pap in the first place and the Ombudsman is sending me letters waiting to accept all this.

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Ok, first things first.

 

Emma, can you please keep all of your posts on this one thread? by duplicating posts, and starting new threads, it makes it harder for us to follow all of your information, we might miss some and in turn, that will not help you. From now on, just keep to this thread, ok? If your post doesn't get answered in 24 hours or so, then write a new post in the thread saying "bump" to bring it back up to the top.

Ok, that's the "techie" bit out of the way :-)

 

Now then. I want you to answer every one of the following questions, so we can try to understand your situation better:

 

- Have you worked out yet how much in unlawful charges they have taken? You're looking for "direct debit Fees", "unpaid commission", "monthly unauthorised overdraft", etc... costs anywhere between £20 and £35.

If you haven't yet, do this now. Tell us how much it come to, it will give us a clearer idea of where to go from there.

 

- Where does your income come from? Do you work? Are you on benefits?

 

- What was the situation when you took the loan? Were you working then?

 

As regards the "silly person", no-one has said anything of the kind in here, and no-one will. We've seen far worse on this forum, you'd better believe it.

 

The Ombusdman will not -can not- decide on the lawfulness of the charges, they can only investigate very limited aspects of the procedure. Say that the bank's T&cs said they would only charge you £10 and they then charge you £20, that's something they could deal with. But the bigger picture of the lawfulness of charges does not come within their remit. The banks know this, that's why they try to fob off people on to the Ombudsman when they reclaim their charges.

 

Right, answer the above first, we'll take it from there.

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hello bookworm thank you for your help regarding threads i think i understand as you can see from previous posts i'm not very good with p.c's and didn't understand.

in answer to your questions, in unlawful charges they owe me £1272.57 in charges etc.

i have sent the spreadsheet and the 14day request all of which has been ignored.

my income is my salary, and i was in work when this all happend and am currently still employed.

i still have the acceptance form from the Banking Ombudsman which i am getting pressed to sign allthough i don't really think its a good out come as if they refunded my charges and the payment protection i would owe them a lot less making the loan repayments affordablish!

please aslo remember i still haven't defaulted a payment, thankfully work are pretty supportive and gave me some time to sort my mortgage and everything else out.

Many thanks for your kind words regarding the silly person!!!

hope to here from you.

Emma

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Right, forget the Ombudsman. You're in charge now. Trust me, you'll do a better job. :-D

 

YOu need to write back to Barclays and state that:

 

You will NOT sign away your Human Rights to seek legal redress though the Court system in exchange for rectifying a wrong situation they caused in the first place. The PPI issue and the unlawful charges levied on your account are two separate issues and you want them treated as such, and not one used as leverage against the other.

 

You are claiming xxx amount in unlawful bank charges, and have requested full refund on such date. You are now giving them a further 14 days to comply in full or you will start County Court action without further notice (I assume you have only sent the Prelim letter so far, yes?) and will then claim both your costs and the statutory APR at 8% (see in Library the LBA, and use as much of that as you want, or tailor the rest around it, whichever).

 

As regards PPI, you want it cancelled as of NOW. This is because:

 

[When I took out the loan, I was told that I would not have been given the loan if I did not take PPI. I have since been told that this is not true, and that you are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in your quoted loan interest rate, which you did not do. I therefore consider that I have been mis-sold this expensive insurance, which I do not need and which I said that I did not want.]

 

or/and

 

[When I took out the loan, I said I did not need the PPI as my employer provides generous illness and redundancy benefits, but I was told I should still take it out. As this is not correct, I consider that I have been mis-sold this expensive insurance, which I do not need and which I said that I did not want.]

 

or/and

 

[i wish to cancel the PPI because I now have sufficient alternative insurance cover from my employer and other sources.]

 

or/and

 

[whatever you were told at the time to force you into it, you said you were "bullied" into it, you'll know best what to write]

 

AND

 

I have been advised that I should be able to cancel the PPI contract at any time and receive a partial refund of the premium that I have paid. I would like to do this. [And in view of the way I was mis-sold the insurance, I would like to ask for a full refund of the whole premium.]

 

Start keeping track of time. And separate the 2 issues in your head too. In 14 days, if they haven't refunded your charges, sue their backsides off. If need be, the PPI issue can be dealt with on a diffent timetable. I suspect they will cave in on the PPI issue faster than the bank charges.

 

Copy to the Ombudsman, and tell them that you do not feel it is appropriate that they should be seen to seemingly collude with the bank in what amounts to a violation of your human rights.

 

(In other words, stick THAT in your pipe and smoke it! lol)

 

Keep us posted.

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hi bookworm :)

thanks for your advice

am i going to end up in court?

i am glad someone see's this situation from my point of veiw, i am on leave now for two weeks so i will try to get as much done today as poss.

Once again many thanks i was feeling like a very small fish in one massive pond!

have time for some air now!

also were do i type bump? to push my thread to the top again?

Definatley need some I.T. training!!!

regards emma

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Are you going to end up in court? Highly unlikely. Our survey says (Gawd, I sound like Les Dennis now!) over 2 million quids in charges refunded... and not one of them had to go to court in the end, despite the banks' posturing.

 

you type "bump", in exatly the same way you just replied, in this here box. All it does is bring up your post when we search for "new posts".

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Just type it in as a new message.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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HIYA EMMA,

NOW, your getting the hang of it !! With regard to how I'm getting on, read my thread. The [edited: beware of libelous comments, pls] are on their second fourteen day period, and time is running out fast for them !! If anybody is interested, and/or needs help, if you look for posts by "The Druid" and read my thread "The Druid V Barclays", I have tried to lay things out step by step, so that people can see exactly how things happen, and what, specifically, has happened in my case. ( MODS, hope I'm not stealing anyone's thunder here, just trying to help those who aren't up on the IT thing, like Emma here, for example ).

REMEMBER Em, stick to yer guns. Make them work to your agenda, not you work to theirs. Don't forget, there are literally THOUSANDS of people taking back their lives from the banks, and I'm sure they will all be more than willing to advise you. All the very best, and GOOD LUCK !!

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  • 3 weeks later...

hello all

i'm am back from my leave i know not were to go now, as suggested Bookworm i wrote back again giving a further 14 day also including the Banking Ombudman letter to state i will not sign away my Human Rights i have recieved nothing from the OMBUDSMAN and have had a reply back from Barclays saying unless i accept their offer of 400.00 then it appears "we do not mutally agree"

do io need to file a no win no fee claim?

"Bump"

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Bookworm,

 

Sorry to jump in on this thread, but I have written Barclays and asked for this PPI to be cancelled. I have the coniditons, and I quote

 

If you are not happy with your cover, please write and tell your branch within 30days of the start date. We will then cancel your cover from the start date without charge. After this, you can cancel your cover at any time, we will only refund part of the premium. The premium will be calculated according to the refund rates at the time.

 

That would imply that I can indeed cancel it at anytime.

Wrong - had a letter from Barlcays saying, I must pay off the loan, by taking out another loan without loan protection and use that to pay off the loan with protection.

 

Do they have a leg to stand on, because I really need to stop the £38 a month that goes on the PPI???!!!

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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If that's what the conditions say then they've got no right to force you to take a new loan.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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I would write back to them asking them to justify the requirement to take out an addtional loan, when the T&C that you received, presumably as part of the KFI (Key Facts Illustration), clearly states that you can cancel the PPI at any time, without the need for additional funding.

 

The FSA, who regulate the insurance selling, amongst other things, would certainly take an interest, as they are very hot on this type of thing, as it appears to contradict one of their basic maxims, ie, "Treat your customer fairly"

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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milo

yhey used that tactic on me too! i am now about to logg into the no win no fee thingy!!! i asked bookworm to have a look but i seem to have dissapeard of the face of this P.C stuff! and i have also requested they cancell it of now and they are just ignoring me! i have done everything as the step by step guide and they are not playing with me! i think because i have more of an issue than just my charges! however the BUMP i was told by bookworm it worked to get me back in the queue instead of starting new threads!

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Ok, Emma, it's not a no win no fee thingy, as you call it. No win no fee would be where a solicitor takes your case and you don't get charged unless you win. None of this here, it's a DIY thing! :-D

 

I think you mean MCOL, MoneyClaim OnLine. ;-)

 

It would be cheaper (only one court fee) if you could combine both lots of monies to be reclaimed in one case, but I think for the sake of clarity, you'd be better off dealing with them separately.

 

Your refund claim is straightforward. So get that on the way. "Do not mutually agree", my oversized backside. :mad:

 

PPI: I think we'll play it this way. You have asked them in writing to cancel it, right? But didn't give them a deadline because you expected them to comply with your instructions, well, yeah, we won't make that mistake again, shall we?

(Sorry, being sarky, steam coming out of my ears from the "do not mutually agree" comment. )

 

Let's start again. You asked nicely. Didn't work. So you send them a much narkier letter, and you say that you are very unhappy that they see fit to disregard your very specific instructions.You say that you want your PPI cancelled NOW, and are giving them 7 days to do so. Add that if you have to start court action to reclaim that too, then you will.

 

Time to kick some a***.

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and would you write the PPI letter now, or wait until I have received the charges?

I going to start up a new thread now! :)

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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Good advice Bookworm and very re-assuring, Emma, to re-iterate what Bookworm stated earlier in your thread no one her thinks anyone is a silly person, the strength of the CAG/BAG is that peoples experiences enable other people to move on and advice/support is invaluable. Good Luck:)

LETS ROCK !!!:D :D :D

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