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    • now do you want help or just come here to rant at the 1st chance. is this indictive of why you have this issue with BG? there isn't one really just you being pedantic? now give us a chance to decide lets have some info. we don't accept .jpg picture files as they are displayed directly to screen whereby anyone members or not can see them, hence we require a multipage pdf properly redacted. theres a good upload guide to read on that. so ball is your court... we still would help our worst enemy regardless . dx
    • doh sorry was on phone screen. i think thats all ok,  let @AndyOrch confirm 1st please. dx  
    • Same date as poc then i dont like the agreement either, it just smells to me, but i can't find a like one of that era to compare against. this is only 10yrs old, so weight that up, i'd say enforceable & most are from the ear as a whole here. it cant be a recon as they must state so, and it wouldn't/doesn't need to have a tickbox+typed name to be so either. >80% loss if you go fwd, unless you can pay the CCJ within 30 days of judgement in FULL, might be time to consider a tomlin/consent, as much as i hate link, if you don't want to gamble on a very small chance of a win or can't pay within 30 days if you lose. what date is the hearing? dx    
    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
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Hfc - Ppi


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I need some advice please.

 

HFC took me to court for a Personal Loan on which I had been paying monthly PPI. On the second time in Court the Judge ripped a new smile on the Barrister, well after that I received a letter from Reston's asking me if I would be happy if they discontinued the case and would i sign and it would be so. I checked first with my friendly solicitor ONLY to ensure the paperwork was not some back door job. It was all ok so I signed and the document was lodged at the Court and no more heard.

 

Time to reclaim the PPI which come to £3,594.49 with the 8% added

 

There return letter is written Without Prejudice and they do not want to answer any specific issues, like i was unemployed at the time the loan was applied for it was done over the phone and I throw in the fine they had from the FSA.

 

The Bottom Line they are happy to give me the £3,594 but the want to offset it against the indebteness of £14 817.97. They are treating this this as a Complaint and giving me options escalate to upper management or the FOS

 

Would like some Strategy advice - Me head tells me to tell them the thier letter cannot be without Prejudice as it already been to court been aired in the public domain ie County Court, which is well documented by me and the judge and Report them to the FSA. The only problem is that the date of the loan was 4th April 2004. But a mis representation is were i believe we are with this

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  • 2 weeks later...

although I've just won against Marbles/HFC for miss sold PPI, I can't really offer any advice, as I'm not clued up on legal stuff, sorry.

 

Has the account been closed and the balance written off???

Do they say you still owe them money?

Are you still paying them anything?

sorry for all the questions but I'm not sure I understand what the outcome was after your court visit...:)

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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The court case was discontinue as they could not produce a Credit Agreement and a DN

 

They are saying I owe them money but its £2000 less than the amount claimed in Court

 

I not paying them anything

 

Did you have to sue them or did they just pay up ?

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The court case was discontinue as they could not produce a Credit Agreement and a DN

 

They are saying I owe them money but its £2000 less than the amount claimed in Court

 

I not paying them anything

 

Did you have to sue them or did they just pay up ?

 

So if they cannot produce a signed credit agreement for a judge to enforce the debt, how can they say you owe them money????? How are they planning to enforce it? Sorry, just a bit baffled LOL!

 

I went via the FOS with my complaint, I complained to Marbles first who would not uphold my complaint. Then once I had a final response letter from them, I went to the FOS. it did take over two years though, so be ready for a long wait.

 

You can go to court for it, but if you lose you then cannot go back to the FOS and start a complaint, so you must go the FOS route first.

 

Hope this helps

:D

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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you cant reclaim PPI on a debt that no longer exists due to no CCA etc.

what does your CRA file say?

 

i'd leave things be here and see what they try on.

 

they cant enforce a debt in court with no cca, but if they latterly find it then it might start all over again , then reclaim the PPI.

 

your £12k better off!

your ppi reclaim can only be off-set to the arrears sum BTW FYI.

 

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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