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    • it wouldn't hurt you to send the PO an sar using the AD on that letter.   it could be that they left it years to default it. then are selling it to cabot within 6yrs from that default (though this would be make it still showing on your credit file too)   that, in terms of a recent ruling make it seem as though the debt is still chasable as the ruling in the appeal court sort of indicated that the S is now defaulted date + 14 days, but if a creditor took months even years to default it, that is challengeable.   worthy to get the info IMHO. that will also give the PO your correct address.
    • Hi Megahamster77 welcome to the Forum. Hospitals appear to be fair game for the crooks who run the parking companies. You are more worried about what may happen during the visit rather than  hunting for signage about where and how to park. You would think that showing a blue badge  would qualify for free parking at a hospital. I hope your Father is ok and he is not to worry as it is more than likely that you do not owe them a penny. Yes you are right to appeal to the hospital as some of them are quite sympathetic to patients problems with parking companies but if you could answer a few questions first it may help to give the hospital more reasons to squash the PCN. So could you please answer the questions below as well as posting up the front and back of the PCN. These companies tend to make mistakes that mean that they have no chance of getting paid. That does not stop many people who do not know the errors pay up. In the meantime please do not appeal to the parking company as it can make it harder to beat them.      
    • Last week NS&I announced savage cuts to its Income Bonds, Direct Saver and Direct Isa, which will pay just 0.01 per cent, 0. 15 per cent and 0.1 per cent respectively from November. View the full article
    • Haven't had a TV at my place for years .. do at o/hs - including my still  fabulous screen high end plasma that was just sat in a corner doing nowt  here.    
    • My dad who is high risk and has had a heart attack was going to leeds hospital and it seems they have parked what they thought was the hospital car park but recieved a ticket. They asked someone (seems like a random person) if they could park there and were told its ok. They put a disabled badge out but they returned to find a BPA parking charge notice.  There was someone there who said dont worry about it they get lots and have never paid them 😕 but after the first advice they got... The company is City Permits LTD reg at European house 93 Wellington road. Leeds. LS12 1DZ  company number 5720115. Ticket is for £100! pound or £60 if you pay it fast.    Is this something we should contact the hospital about to let them know the parking company that he was there for his heart and is high risk with COVID. Or would it be best to contact the company directly and ask them.  Thanks for any advice and let me know if you need any further information.     
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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Hi. I've been a visitor to this site for a short period of time but have taken the advice on PPI. I had a loan of £4,000 in September 2006 with Lloyds TSB with loan protection payments added thus totalling £5,209.

 

I wrote to Lloyds last week to complain about the loan protection payments and have today received a letter telling me they have upheld my complaint and will

 

A) Calculate a refund of the PPI monthly payments I have paid to date and

B) calculate simple interest at 8% per annum on each of the PPI monthly payments.

 

This is my offer.

 

However I am instructed to sign a form accepting this offer, BUT I have not been told how much it will be that I am accepting.

 

HELP, what should I do? Do I sign and assume it will be a genuine offer or ask them for actual figures first.

 

I would really appreciate any advice/help.

 

Thank you.

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http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/196528-lloyds-loan-ppi-reclaim.html

 

lloyds can be slippery.

 

5 guests..........dx waves...........

 

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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Hi Emma,

 

Well Done, I wouldn't sign anything until you know exactly how much your going to get back, tell them, don't let them sweet talk you.

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Hi Emma:)

 

Well done - that was quick work!

 

As dx and rebel have already advised, be very wary when dealing with Lloyds and don't sign that acceptance form!

 

In my thread, linked above by dx, I like many others was instructed by the FOS to sign the form without prior knowledge of the settlement figures. When I queried this with the FOS they claimed that Lloyds couldn't provide this info until after I had agreed by signing the form. The wording of their letter goes as follows -

 

'I understand you have concerns relating to the signing of the settlement form.

 

Unfortunately we are unable to provide you with the calculations for redress at this stage. As Lloyds Bank Plc has made an offer, which is a gesture of goodwill, we are seeking your acceptance in order that Lloyds TSB may proceed further in calculating the redress offer which would be in line with our guidance.'

 

I then wrote to both Lloyds and the FOS regarding not being happy with this and after a further few letters/emails back and forth in which the FOS stood by their original stance, suddenly out of the blue Lloyds came up with the calculations :D

 

So it can be done, you just need to persevere and don't let them walk all over you!

 

Keep us posted how you get on,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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LA have you seenthe new wording on my thread?

 

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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LA have you seenthe new wording on my thread?

 

dx

 

Hi dx:)

 

Yes - when I read it earlier I thought it had been altered............am I right in thinking in no longer states that when you are signing the form it is in 'full and final settlement'?

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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see you on the thread

 

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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