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    • Just ridicule them about their rubbish PCN (without begin too specific) and the the Unicorn Food Tax they've added.
    • you wont be bargaining with the police where did you get that idea from? it wasnt a bobby with a handheld, it was a gantry camera i suspect so a prosecutor for the police or in court to the judge at the hearing. dx  
    • Well, it's good that you have five days before you're supposed to go there, there is time enough to sort things out.  See if Booking.com rear their head tomorrow.
    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
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GE Woodchester Car Finance loan to Link Outsourcing


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Hello Beachy,

 

Evening aa,

 

OK- Keep in touch, without guidence, encouragement & of course pt's help and cracking input and letter I'd still be looking at ways of reclaiming ppi.

 

Once again many thanks to you both (letter printed and ready to go).

 

Beachy

 

Good luck to ya I will be watching :cool:

 

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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way to go............:)

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Morning PT,

 

Yes letter sent, they've had it for about week now, but no response from them as yet.

 

Beachy

Super Beachy,

 

Let us know when you recieve any reply from them

 

I would give them 28 days and once we get to that point then we should write to them again if they havent replied

 

all you need to send at that point is a Dear sirs, you have failed to reply to my letter dated XXXX a copy of which i enclose, please respond within 7 days .........

 

 

lets see what they come back with :)

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Will do, gave them until 15th Jan., as per your letter.

 

Will update as soon as I have any news.

 

If I don't have any contact with you before the 25th may I wish you a very Merry Christmas & thanks for your continued help and guidence.

 

Beachy.

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  • 3 weeks later...

ok so it was a fixed sum credit agreement ? yes? for a fixed term ? yes?

 

so what the Fcuk is this dumbass on about?

 

on a fixed sum agreement, it is fair to suggest that the policy would be for the term of the loan ? yes?

 

so, if the agreement was for 60 months then so should the ppi policy as well? surely.

 

Nothing within the PPI shows it is a monthly rolling policy or that it can be cancelled at any time, so i think they have piddled in the wind here

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Steady on PT, you sound madder then me :-x and Iam totally pi55ed off.

 

Didnt expect them to roll over and die on the first herdle, but didnt expect this sort of reply.

 

Beachy

Edited by beachcomber60
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Scan 3

 

 

scan0011.jpg

 

 

 

Erm forgive me for being stoooopid but, this jackass is saying that the ppi was a month to month thing yeah?

 

well, i wonder if he can explain why it clearly sets out a sum being £1969.77 for the PPI on the statement.

 

he is pulling the wool over your eyes, i think you will find that its one of those situations where he has realised they are bang to rights and have thought oh sh!te lets just fob this guy off and hope he doesnt realise

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Thanks PT,

 

Your help & advice is greatly appreciated, the way I feel at the moment is I'd like to really nail 'em on this AND get back the ppi payments made.

 

Should I continue to pay them, if the agreement is that flawed?

 

Beachy

Edited by beachcomber60
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Morning Jim,

Im having difficulty with this one, shocking i know, but how do you reply to a fool who knows sod all about consumer credit law? its a pointless exercise trying to educate him :lol::lol::lol:

 

I think im going to need to show that, using the figures they have provided and interest rates etc that the PPI was credit, that it was therefore required to be incorperated in the agreement correctly and therefore the agreement is defective, i know we did this with the intiial letter but unfortunatley it was read by someone who has little clue

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OK, pretty obvious it landed on the wrong desk, trouble is guessing whose desk it should have landed on!

 

Did think of taking it to the 'authorities' but by what Ive read on the forums there most likely find in favour of the creditor.

 

I'm sure you'll come up with something to throw at them.

 

Jim

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Morning Jim,

Im having difficulty with this one, shocking i know, but how do you reply to a fool who knows sod all about consumer credit law? its a pointless exercise trying to educate him :lol::lol::lol:

 

I think im going to need to show that, using the figures they have provided and interest rates etc that the PPI was credit, that it was therefore required to be incorperated in the agreement correctly and therefore the agreement is defective, i know we did this with the intiial letter but unfortunatley it was read by someone who has little clue

 

 

suggest something added at end along the lines add "I would suggest that as you appear to have little knowledge of Consumer Credit Law that this letter and my file is referred to your legal department/solicitors.

 

Should I not recieve a substantive response within 14 days from your receipt of this letter then I shall be making an application for a Declaration of Unenforceability.........etc etc. "

 

As PT says no point trying to educate someone who really doesn't want to be educated..................

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Hi Paul,

 

Been going over this one over & over trying to construct a reply but I'm not the best of letter writers, how you doing with it?

 

I value Josie8's input, need to put into words why what was sent is cr@p, other than that it just to let things carry on until it's paid off, although this would be unjust if the agreement is that flawed.

 

Jim

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Beachy

 

my apologies but i have been trying to spend a little time with my children, i have some pretty big trials coming up in the next few weeks and i will have little family time then.

 

I think the fact is that the guy who replied did not give you an answer which you required or were entitled to.

 

I will see what i can come up with when i get a mo, but suffice to say, your agreement is a multiple agreement and therefore improperly executed

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