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    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
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Citi Financial & PPI Claim


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Gullible,

 

You need to send them a SAR, which is available from the link below..

 

The Consumer Forums - Bank charges templates (consumer)

 

As you can see my claim is up in the air at the minute, Ive "partially accepted" the £388.64 they have sent me but am going for the remainder.

 

Id also advise you to start a Fresh thread, this way you can keep track of your claim and its easier to reference back too so others on this "Wonderful" forum can help :-)

 

Good Luck and keep on at them. Its YOUR Money!

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Are you using the CAG PPI XLS calculator to work this out, it is really straightforward. As for Citi, watch them, they take everything to the final point, and then roll over. I had to write to Vikram Pandit in the USA before they acknowledged my complaint, its been through FOS who found them guilty, still negotiating direct, and they have stalled. I am trying to now enforce with a court order. Who are you dealing with? All major stuff now goes through Derby

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Are you using the CAG PPI XLS calculator to work this out, it is really straightforward. As for Citi, watch them, they take everything to the final point, and then roll over. I had to write to Vikram Pandit in the USA before they acknowledged my complaint, its been through FOS who found them guilty, still negotiating direct, and they have stalled. I am trying to now enforce with a court order. Who are you dealing with? All major stuff now goes through Derby

 

officejet,

 

Yeh Ive used the PPI Calculator, but I must be doing something wrong?! Its coming up with figures at about £7.5K, but obviously as I have only made 5 payments before the loan was settled am thinking that the calculator has based the figures on the PPI being paid off over the 3 year term of the loan.

 

I know for a fact I paid approx 5 payments of the loan and "over" £3500 for the settlement (I had a cheque made out to Citi Financial with my re-financing loan for £3500 and had to pay extra on top of this, which was unexpected).

 

I will double check when I get in from work of where I received my £388.64 cheque from.

 

:)

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Gullible,

 

You need to send them a SAR, which is available from the link below..

 

The Consumer Forums - Bank charges templates (consumer)

 

As you can see my claim is up in the air at the minute, Ive "partially accepted" the £388.64 they have sent me but am going for the remainder.

 

Id also advise you to start a Fresh thread, this way you can keep track of your claim and its easier to reference back too so others on this "Wonderful" forum can help :-)

 

Good Luck and keep on at them. Its YOUR Money!

 

Thanx Very Much for this..will get onto it asap x

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Sorry to be a pin..but when I send off the letter I do not remember my account number nor do I have any details left to try and find out what it was. How will they be able to trace my details?? I am such a fool I wish I held on to everything.

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Sorry to be a pin..but when I send off the letter I do not remember my account number nor do I have any details left to try and find out what it was. How will they be able to trace my details?? I am such a fool I wish I held on to everything.

 

Just use your address and name as reference, obviously use the address that was used when the loan was taken out...

 

They may reply back asking for further info, but from an old loan I had all I quoted was my address details and they located the details I requested.

 

Get stuck then let us know, Im sure we can offer the help you need.... but again, start a fresh thread and youll be able to use it for reference etc...

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If you send me your email add , I can email you the spreadsheet, as it looks abit confusing here but I would go for contractual, of £927.43 +£18,599

Loan Details (From agreement) Actual Costs (Over full term of loan)

Loan Amount £3,500.00 Total True Cost £7,893.00

PPI Premium £927.43 (A ) Total Interest £7,893.00

Total Loan Annual Int.% 40.56

Apr% 51.7 Annual PPI Int. £376.17

Monthly Int.% 3.380 Total PPI Int. £1,128.50

No. of Payments 36

No. of Years 3 Actual Costs (So far)

Monthly Payment £219.25 Monthly PPI Int. £31.35

No. of Months Paid to Date 5

PPI Interest Paid to date £156.74

 

Settlement (If applicable)

Settlement Figure £3,500.00 PPI Kept by Lender £-

Settlement PPI Rebate £927.43 >>>

Actual Settlement £4,427.43 What should be refund£927.43

 

Statutory Contractual

Total Paid £1,052.83 £1,052.83

Total Interest £468.10 £17,546.31

Total Refund Required £1,520.93 OR £18,599.14

 

Date Calculated: 14/01/10

Statutory Interest (Simple)

In Respect of: Date Incurred Amount Days since Charge Interest Rate Applied (APR) Interest on Payments Made Total Owed

PPI Premium – Loan No. 1 20/06/04 £927.43 2034 8.00% £413.46 £1,340.89

PPI Premium Interest – Loan No. 1 - Month 1 20/06/04 £31.35 2034 8.00% £13.98 £45.33

PPI Premium Interest – Loan No. 1 - Month 2 20/07/04 £31.35 2004 8.00% £13.77 £45.12

PPI Premium Interest – Loan No. 1 - Month 3 20/08/04 £31.35 1973 8.00% £13.56 £44.91

PPI Premium Interest – Loan No. 1 - Month 4 20/09/04 £31.35 1942 8.00% £13.34 £44.69

£1,052.83 £468.10 £1,520.93

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well done

should of used that last night!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Date Calculated: 14/01/10

Statutory Interest (Simple)

In Respect of: Date Incurred Amount Days since Charge Interest Rate Applied (APR) Interest on Payments Made Total Owed

PPI Premium – Loan No. 1 20/06/04 £927.43 2034 8.00% £413.46 £1,340.89

PPI Premium Interest – Loan No. 1 - Month 1 20/06/04 £31.35 2034 8.00% £13.98 £45.33

PPI Premium Interest – Loan No. 1 - Month 2 20/07/04 £31.35 2004 8.00% £13.77 £45.12

PPI Premium Interest – Loan No. 1 - Month 3 20/08/04 £31.35 1973 8.00% £13.56 £44.91

PPI Premium Interest – Loan No. 1 - Month 4 20/09/04 £31.35 1942 8.00% £13.34 £44.69

£1,052.83 £468.10 £1,520.93

 

This is the bit that is throwing it off I think (highlighted in RED), obviously this states that a payment was made on the 20th June 2004 of £927.43 whereas only the 4 payments were made on the PPI (4 x £31.35, plus any outstanding was paid via the settlement).

 

:confused:

 

Im confused :lol:

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me thinks you need to re-jig your reclaim sheet !

told you you'ed been screwed!

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk,

 

Yup looks like it.... Ive still no idea what I can claim for though, Ive filled out the details as before but its still coming back with a figure of £18K+ (contractual interest) so....

 

I gave them 8 weeks from my initial letter which was posted 28th Nov, so the time is ticking good and proper.

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  • 3 weeks later...

you dont

leave it blank

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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gullible - As dx says leave it blank, just ensure you get it posted recorded to ensure they receive it (mistake Ive made)

 

Well as I heard nothing I thought Id give them a call yesterday to ensure they were in receipt of my declining offer (my mrs in her wisdom just posted it first class "WOMEN!!" ;-) ). They informed me they werent in receipt of my reply and advised me to scan and email them a copy, which I have done and have received 2 "Read Me" replies so....

 

I have also extended their deadline until the 18th Feb which gives them 7 days to respond (have I been too leanient?)

 

So its a case of sitting and waiting again..... Im guessing my LBA is the next step though if they dont come to a comprimise?!?

 

Hope all are well? :)

 

Thank god its "FRIDAY!!"

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dx100uk,

 

Yup looks like it.... Ive still no idea what I can claim for though, Ive filled out the details as before but its still coming back with a figure of £18K+ (contractual interest) so....

 

I gave them 8 weeks from my initial letter which was posted 28th Nov, so the time is ticking good and proper.

 

 

what this £18k figure...not a PPI refund i hope..if so it must be wrong

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx.... thats what it came back with BUT... thought thats a little bit too much (would be nice though).

 

So I have hit them with a claim of £1340 this is guestimated on payments made and their non refund of the £690 they insist that they paid on Settlement.

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  • 2 weeks later...

Been reading your thread and thought I'd tell you what happened to me. I've found that Citifinancial are absolute sharks!!! I consolidated 2 loans, one of which I had with them originally and alarm bells started to ring when I questioned the payments and she told me that that was inclusive of insurance. When I told her that I didn't want it, she had to go in and alter the forms that she had already filled in (before I arrived) on my behalf, very thoughtful of her!

 

They also neglected to pay off the loan with the other company and I wasn't aware until 2 months later when they started ringing me asking when I was going to make a payment.

I complained to the Ombudsman in October 2008 and I have just received an answer to my complaint and he has asked if I will sign to agree what he has said which I don't in principal but where will my principals get me?

 

Unfortunately I have already been told that Citi 'aren't in a position to deal with this right now' and that they have asked for it to be referred to an ombudsman so basically its a wasted exercise.

One thing that has annoyed me is that unless you can provide absolute proof to the Ombudsman, they seem to side with the Company involved or give them 'the benefit of the doubt'. I was not informed of the PPI, the loan arrangement fee or the extorionate interest rate on the second loan but because Citi 'filled out a checksheet' they've been given the benefit of the doubt. The Ombudsman said that he believes that I would have taken the loan anyway and therefore cannot comment on the interest rate - I felt it was nice of him to speak on my behalf about that but unfortunately he is very wrong.

 

Good Luck but don't give them too much leeway before you go to the Financial Ombudsman.

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Heard absolutely nothing off them.

 

Is it now time for my LBA? :-)

 

they prob wont write back, guestimates are just that.

you are guessiing what they owe you, so they are saying back, guess what, you got it, we won't pay up.

 

you need to hit them with a proper breakdown via a spreadsheet.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk.

 

Im obviously at a brick wall then now aren't I?

 

Firstly - I know what my PPI payment was but of course the loan was paid off early so....

 

Secondly - They tell me a rebate was made upon settlement which of course I am again guessing at....

 

Looks like Im gonna walk away with the £358 they paid me and made do.... unless I complain to the FLA? who would probably take it up on my behalf? or am I now past that stage?

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