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    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have they actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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barclaycard/mercers


walkinthepark
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It can't hurt, and at the cost of £1 to you it might help.

 

Yes, they can now supply a reconstituted agreement in response to your request, but they also have to tell you it's reconstituted and should tell you if they still have the original, and that piece of information alone may be all you need.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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hi SS

 

The banks et al can send you toilet paper in response to s78 request, however enforcement in the courts is another matter. Manchester test cases were about s78 and nothing else. HHJW posively said that he was ruling on nothing else. Nothing has changed. In fact if the whole judgement is read through and not nit picked all the time then there are positive avenues for consumers to exploit. try the other threads but they are much involved. claim stayed for cca test cases and dissecting the Manchester rulings.

 

OR

ah, i see. you mean that the bank can satisfy a s78 request by sending rubish but it doesnt chnage the fact that they still need to produce proper docs to get a judgment?

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This is a personal choice, but there is no reason why you can't do both and the lack of the original agreement or a reconstituted or copy agreement that lacks prescribed terms may give you incredible bargaining power.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi

 

I'm wanting to claim my PPI back as I wasn't aware that it was optional. Also, can someone tell me if having PPI is useless if you work part time as I only work 19 hours? Does it state on your statement that you are paying for PPI. I've had this credit card for years and I'm sure I've got PPI but don't want to look an idiot. My credit card is in dispute and I want to make doubly sure that I have it before I contact Barclaycard. Thanks.

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  • 4 weeks later...
Hi

 

I'm wanting to claim my PPI back as I wasn't aware that it was optional. Also, can someone tell me if having PPI is useless if you work part time as I only work 19 hours? Does it state on your statement that you are paying for PPI. I've had this credit card for years and I'm sure I've got PPI but don't want to look an idiot. My credit card is in dispute and I want to make doubly sure that I have it before I contact Barclaycard. Thanks.

 

Please read the stickies at the top of this forum for all the necessary links to help you claim. Here are a few to get you started.

 

PPI - Some Notes for Claimants..

 

BANKS are giving incorrect advice on PPI

 

Full SAR for ppi

 

Data Protection Act 1998 - Subject Access Request

 

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.

 

A ‘demands and needs’ questionnaire.

 

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.

 

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.

 

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

 

This should keep you busy. Homework first then get your money back.

 

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...

I'm in the process of sorting my debt out. All is going well but I was wondering if someone could explain this to me. I've noticed on my statement it says Purchase Interest £8.00. I know this might be a silly question but I want to settle my curiosity as every pound counts! Why do they charge you Purchase Interest even if you don't use your card to purchase anything? There I've said it now .......

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  • 3 weeks later...

A bit of advice required. I've come to an agreement with Barclaycard to pay a certain amount off every month. Also, after I complained to them about the service I was getting ie numerous phone calls from Mercers etc they agreed to stop interest. This agreement would be reviewed at a later date. I'm now getting charged for late payment and going over my credit limit. I pay before the 'date due' date on my statement because I pay with s/o. I suspect it is because I'm not paying the full amount required. Is this correct?

 

Also, it isn't me that's gone over my credit limit but the charges that have been put onto my account that has taken me way over.

 

If I send a Subject Access Request off could I claim back the charges? Is it better to do this then a CCA?

 

I've noticed it has now been passed to Calders from Mercers as well.

 

Kind regards

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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