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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Hi there

 

Can you claim PPI misold if you're account has been reffered to a debt collector!!!

 

Thanks

 

Anne

 

yes, but the refund will be used to pay off the arrears, before you get a penny, and the bank are fully entitled to do this.

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Thats not a problem Banish (although in an ideal world it would be nice)

 

Is there a template that should be used when writing a letter regarding being missold PPI

 

Thanks in advance

 

Ann-imal

 

check the stickies at the top of the main ppi page.

 

all the best.

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Banish you got my full attention :) . . what is it you need help with ?

Have you made claim yet ?

 

this is your loan figures :

 

total cost of goods: 14,200

optional ppi: 2,200

total loan: 16,400

APR: 18.2%

no of repayments 120

first payment made in 2004 of 295.75

 

do you want me to work out how much interest on your PPI you claim for ?

How many payments have you made ?, are you in arrears or missed payments ? do you still have PPI active or cancelled ?

 

Sorry not read your thread yet but will now, just want clarification on the above and you to know im on it.

 

 

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Lets check your figures first breaking them own to what they really are.

 

 

Your loan is £14,200 over 120 months at 18.20% APR

thats a monthly repayment of £245.33

interest £15,240.24

total payable £29,440.24

 

Insurance

 

Insurance £2,200 over 120 months at 18.20 % apr

 

interest £2,361.16

monthly payment £38.00

total payable £4,561.16

 

total interest is £17,601.40 plus loan of 14,200 is 31,801.00 plus insurance of 2,200.00 is grand total of 34,001.40 repayable is total amount repayable so we divide by 120 to get true monthly payment of 283.45.

 

This is differant to your figure you said you paid monthly 295.75 which would be total of 35,490.00 differance in their favour of £1,488.60, why is this . . . are there any other charges or anything else on the loan, can you post up the agreement to see as it may have other issues.

 

Ok for your PPI claim you need to claim for 2200 initial premium plus a monthly interest figure of £19.68 for every full payment you have made as you pay 19.68 a month PPI interest. then add stat interest at 8% per payment from date of payment to claim date.

 

 

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ozzy - you are a true star, thank you so much for looking at this for me.

 

right i think i am almost there.

 

so did you take the loan amount, 14,200, and add the 18.2 APR for 10 years to get the final figure?

 

the rest i fully understand in terms of working the individual PPI payments and adding the 8% via the spreadsheets available.. just need to understadn the maths behind the figs.. as i am going to do this for about a dozen people and i need to learn as much as possible.

 

also, do i ask for the remaining unpaid PPI to be taken off the balance? or is that done automatically if they uphold the complaint?

 

thanks so much again!!

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do i ask for the remaining unpaid PPI to be taken off the balance? or is that done automatically if they uphold the complaint?

 

thanks so much again!!

 

hi , if your complaint is uhpheld then then yes any remaining ppi would be taken off the balance. you should be put back into a postion were there had been no ppi added to the loan

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HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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  • 4 weeks later...
What is the basis for saying that it was missold? If it is clear but then I would suggest a clear waring to FP and then a County Court claim.

 

is a front loaded PPI premium with added interest, enough of an argument to take a case to couty court?

 

do they generally fold when filed against, as they did with bank charges?

 

or is there a real chance i would need to prepare a proper attack for a meeting in court?

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rarely do ppi refunds get that far.

 

and that after a bashing from the FOS fails. long long way off.

 

 

dx

Edited by dx100uk

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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rarely do ppi refunds get that far.

 

and that after a bashing from the FOS fails. long long way off.

 

might be an idea to see how others have gotten on with FP

 

try typing first plus PPI or WHY into our search in the blue bar above and do some reading.

 

dx

 

hi dx, i think there cannot be anybody on earth who has read as many ppi threads as me in the last month.

 

but i have never seen that question answered, it always goes unanswered.

 

and you speak of a FOB bashing?

 

so what are you suggesting mate? complaint to FP, then FOS, the Court?

 

i thought the point was to either go to FOS or court.. not both

 

could you clarify please.

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no there is a chain.

 

Push the OC first for a reclaim.

expire their complaints procedure

get a letter stating 'their final response'

off to the FOS.

 

then p'haps court.

 

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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no there is a chain.

 

Push the OC first for a reclaim.

expire their complaints procedure

get a letter stating 'their final response'

off to the FOS.

 

then p'haps court.

 

dx

 

ahh i see, although this is in slight contradiction to what many others post.

 

can bank fodder or anybody else from the site team clarify?

 

do we hit FOS then court.. or is it not worth the hassle with FOS and go straight to court if they dont settle within 8 weeks?

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well if you skip the FOS thats your choice

however, rarely does a PPI claim ever get to court.

 

suggest you read some more.

 

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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well if you skip the FOS thats your choice

however, rarely does a PPI claim ever get to court.

 

suggest you read some more.

 

dx

 

ok, well that answers the question..

 

why go to FOS, wait maybe 6-12 months.. when you can go straight to county court?

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...

Edited by dx100uk
comments from op's thread not required here

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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cant see it related at all.

 

i'll get these move to your existing thread.

 

seems like you've been answered every question under the sun already there too

 

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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cant see it related at all.

 

i'll get these move to your existing thread.

 

seems like you've been answered every question under the sun already there too

 

dx

 

hey, why suck aggro?

 

what the problem here?

 

cool it, or dont bother "trying to help"

 

B.A

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and if its not related, why did bank fodder respond with similar talk?

 

you have a chip on your shoulder, why?

 

have you been unsettled somehow? got something wrong?

 

gone around in a circle and started back at base point?

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