Jump to content
  • Tweets

  • Posts

    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3641 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi All

My mum is having trouble trying to reclaim her mis-sold PLI and has now been sent a letter...


She took out 1 loan, then another which paid off the first, then another which paid off the second... all of which she was mis-sold her LPI

I sent off the initial letter asking for a refund and she has now received a letter only for one of the loans saying 3rd June 05 you purchased a loan for £3000 with a further borrowing of £821.90 for the insurance. The loan was settled early on 8th July 2006 and she received a rebate of £460.38 in respect of the insurance.


Then it goes on about the concern and decision... and then onto the calculations...

Calculation 1

I will calculate the difference between the settlement balance you have paid on the loan and what the settlement would have been had the PPI premium not been added. I will then calculate an 8% interest payment on this sum from the day the loan was settled to the day the calculation is completed.


Calculation 2

Blah blah blah... but has NO settlement figures! It then says if you agree to this settlement please sign the acceptance on the back and send off.


Is there a letter I can write back to them asking them for the figures? I have been through lots of different posts and I may have missed it but cant find one anywhere.

I am also sure they should be taking all 3 loans into account, this was the first she took.

Any help would be really appreciated




Share this post

Link to post
Share on other sites



Do you have a copy of the credit agreement for the loans?



Share this post

Link to post
Share on other sites

Erm... I believe so.

Share this post

Link to post
Share on other sites

scan your sheets/agreements

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box



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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

Thanks D

I'll get onto that tomorrow from work

Share this post

Link to post
Share on other sites

Sorry it's taken so long, couldn't find the paperwork!


Hope u can help me now as my mum is worried she only has a certain amount of time to tell them if she's agreeing or not :?

MH02 pdf.pdf


Share this post

Link to post
Share on other sites

Hi Fringer,


I have attached a spreadsheet with the calculations for the settlement they should be offering for the loan taken out in June 05.


With the other agreement, we need to know what was the date of first repayment and what was the date of settlement of the loan.


I believe you did say there were 3 loans in all. Do you have the agreement for the third loan?



Share this post

Link to post
Share on other sites

Thanks dj


I'm not sure about the 3rd loan, she hasn't given me any other paperwork.

Do u know how to go about reclaiming that amount??

Does she write back with that figure and ask them to confirm it before she signs anything?

Share this post

Link to post
Share on other sites



Is entirely up to you how to proceed here.


I know some people on the forum feel strongly about not signing anything before you receive the figures.


In my own experience I have always signed the acceptance form as you are signing to agree the method they use to calculate your refund. In every case so far the calculations have been correct, but my claims have all been with barclays and not Lloyds.


You can of course write back to Lloyds and ask them to send you the figures before you agree to sign anything.


If you decide to sign their acceptance letter, I suggest you do not send them your figures, but rather keep these to yourself for future reference. Then when they do their calculations and make the refund, compare them to the calculations I have sent you and see if they match. At this stage if you do not agree with the amount of refund you can still write back to Lloyds and ask them to look at it again, or refer to the FOS.


As I say, entirely your choice.



Share this post

Link to post
Share on other sites

I had 4 loans with Lloyds and just signed the acceptance forms.

The refund has come and tbh seems more than expected. They say they will send a copy of calculations and i'll have a chance to check them over and if I think they are wrong just complain again.

After all in there own words they refund in line with the FOS, if they dont then they have not done what you signed up to.


I'd get things moving as they are a bit slow.

Ring them up and say you are in financial hardship as this worked for me and the refund was in my bank within 4 days.

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...