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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.   
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Emmtay v barclaycard PPI insurance


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Hi

Please can someone help me?

I've SAR'd barclaycard for PPI on my credit card, they have sent all statements back to 2004 but there is no agreement.

How do I work out the interest? Is there a template for PPI interest on this site?

Thanks

Emmtay

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Hi

Please can someone help me?

I've SAR'd barclaycard for PPI on my credit card, they have sent all statements back to 2004 but there is no agreement.

How do I work out the interest? Is there a template for PPI interest on this site?

Thanks

Emmtay

 

Hello emmtay,

 

firstly if you sent the SAR with the £10.00 fee and have not received all the relevant data applicable to you as a data subject you should send a letter of non compliance with the data protection act 1998....template here..

 

Data Protection Act - Non-Compliance - Template Letters

 

Spell out to them what data you believe is missing and then ask for it again.

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan/card/mortgage.

 

Copies of all statements applicable to the loan/card/mortgage.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

 

There is much more information in here that should help you along the way.

 

Mis-sold PPI? Want your money back? use these links to help

 

Do not be fobbed off by them citing issues such as relevant filing systems.

 

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

 

There are templates for interest calculation see here...

 

Interest calculation spreadsheets

 

If you get stuck try and contact pompeyfaith he knows all about spreadsheets.

 

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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Thanks for replying aa.

I sent the cheque with the SAR which they duly cashed and sent ALL statements.

I will write back to them with non compliance letter for the signed agreement and T&C's and the other missing items.

I have had a look at the interest calculation templates, but I am confused as to which to use as they are for bank charges or credit cards, but I'm claiming PPI payments not charges on the credit card, so wouldn't that be different?

Do you think I should ask PF?

While I'm here, can I ask for your help with M&S, or should I start a new thread?

Many thanks again

Emmtay

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Hi, me again!

I've just done LBA for barclaycard, also GE Money, and M&S, and SAR to Crapital One.

A thought just occured to me though!:confused:

Am I right sending those LBA's as it says 7 days or I will take them to court? Getting confused because read so many threads on stuff I thought next step if they didnt comply was FOS?

Thanks again

Emmtay

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No need to ask PF as PF is here!!!!!!!!!!!!!!!

 

There is no spreadsheet for monthly PPI, but having said that it is easy to do although time consuming.

 

Right this is what you have to do, firstly grab a cup of tea lol

 

Got that cuppa ? right then we will start

 

Get a sheet of A4 go though your statements writing down every PPI payment along with the date it was applied.

 

at this point make a note of the APR and chect this APR on every statement as it can change

 

Got all that down now go here:

 

Compound interest calculator

 

Insure the rest days is set to compound monthly

 

Now just imput the dates and each amount and APR that applied to that payment.

 

Click calculate and the figure will appear below the total figure is the ine you want

 

Write this down in another column and do the same for the rest.

 

Now we have a column of figures with the compound interest allied next we need to add on the s69 statutory interest at 8%

 

So next we need to go here

 

Blake Lapthorn - simple interest calculator

 

Again do each one entering the rate of 8% the principal sum which is the colum where you have just added compound and the dates.

 

Write down each figure as you go in another column

 

Now you have done this Well Done just use the windows calculator to total up.

 

That total will be your claim.

 

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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Thanks for replying aa.

I sent the cheque with the SAR which they duly cashed and sent ALL statements.

I will write back to them with non compliance letter for the signed agreement and T&C's and the other missing items.

I have had a look at the interest calculation templates, but I am confused as to which to use as they are for bank charges or credit cards, but I'm claiming PPI payments not charges on the credit card, so wouldn't that be different?

Do you think I should ask PF?

While I'm here, can I ask for your help with M&S, or should I start a new thread?

Many thanks again

Emmtay

 

New thread is better. It allows you to keep track of each of your claims without confusion especially if you have loads of people advising on the different banks.

 

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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only me!

Thanks aa, will stick to seperate threads.

Thats great pf, sounds like a lot of money due back!!

One question, as I cancelled the PPI on the cards, do I claim from start date to cancelled date, or start date to todays(calculation) date?

Also, do I tick the 360 day box?

Have just looked at the paperwork barclaycard have sent, and it doesn't show the monthly APR, it shows the interest rate on the standard balance and the cash balance:?

So for example, June 2009 statement show interest 2.075%, whereas the APR at the moment is 27.9%.

How do I find out what each months APR was?:(

Hoping you can help me out again!

Cheers

Emmtay

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  • 2 weeks later...

Hiya emmtay,

 

Right,

 

Firstly start date to todays date as it its a rolling credit agreement and not fixed term like a loan is.

 

Yes tick 360 days a year

 

The monthly interest rate on an APR of 27.9% is 2.075%

 

This you can find here

 

Interest Rates Guide: Everything you ever wanted to know!...

 

Regards

 

PF

 

Bookmark that link in case you need it again.

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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Thanks again pf.

Will see how I get on with that, just still a bit unsure with regard to which APR to use? Do I just use the latest as its not on each statement?

 

Good luck Jan4a, will keep this updated!

:)

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Hi me again!

After my LBA to barclaycard they sent me a photocopy of t&c's, but still nothing with my signature on; no signed agreement, so I have resent another LBA giving them a final 7 days to produce a SIGNED agreement.

If they don't send this- which I doubt they will as think I applied for it online, do I just send in my claim for PPI or do I take them to court for non- compliance/ unenforcable agreement, in which case do I then stop payments and go down the 'wipe the debt out' route?

I will get more if I claim PPI as balance on card is only 500.

Any advise please?

Emmtay

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Right, Im just going for it!

Im sending claim for PPI payments, plus a total of 24 late payment/exceeded limit charges, just putting them through compound interest calculator now, then im going to put on the 8% too.

Will post when done!

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yup do your calculation then ill be along this evening to check it 4 u sending this on my phone as cant get to my pc at the moment 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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  • 5 months later...

Hi Dotty

No, didn't take quite that long, LOL!

Playing the waiting game with barclaycard, also capital one, santander/gemoney(evans storecard) refused and referred me to F&LA so just starting to get all paperwork to send to them today!

How's your calculations going?

emmtay

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  • 8 months later...
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