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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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      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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John V Lloyds TSB Loan PPI


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Hi

 

I am going to claim my PPI back on a Lloyd's tsb loan after reading on this website i feel it has been mis-sold to me, I paid £4359.69 added on to the loan. The loan was taken out in October 2003, Can anybody help me calculate the intrest that would need to be added to that sum ?

 

Thanks

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Hi,

 

I've moved this thread to the PPI Forum, I'll ask dx to see if he can help you.

 

Regards.

 

Scott.

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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Hi

 

After reading all of the agreement i believe i have found something else with the agreement, I have always been told with any type of credit agreement that by law you have a minimum of 14 days in order to cancel it but on this lloyds tsb (look at the uploaded image) that it says its a non Cancellable loan.

 

img011en.th.jpg

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poss you signed it in the branch?

then there is no right to cancel i think.

 

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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  • 5 months later...

Hey

 

Alot has happened since i posted here on this matter, lloyds tsb declined my complaint so i went to the fos who have advised lloyds tsb would write to my directly as they decision is a refund plus interest minus the 2 successful claims which i have been told is the standard reply. After not hearing from lloyds tsb i telephoned there complaints team said there will be a letter sent within the next few days. I got a letter telling me they can not send the offer letter directly to me but they have sent it to the fos and i will have to wait for a copy from them, i find this just time wasting from lloyds ? any advice

 

Thanks

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certainly i had that with my one too

 

CHECK they have got it correct BEFORE accepting the offer

 

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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When i spoke with the fos they said lloyds should not be doing that as they have a 8 day postal backlog at the office so any letters they get will be sat there for 8 days waiting to be opended, What should i be doing about the stupid timewasting methods they are using ?

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Hi Scouserlad

 

Just responding to your PM

 

As dx says, check the offer before accepting it. What you should be getting is each of your ppi payments + 8% interest running from the date of payment to date of settlement. You then just deduct from the total any amount which has been paid out under a claim on the policy.

 

You can use the attached spreadsheet. In the list section, enter the date of payment, the description (e.g. PPI Payment) and the amount. So you only need to enter data in columns A, B and C, You can then change your personal details in the blue section. Take the total you get from this sheet and deduct from it any claim amounts that have been paid out and tha is waht you should be getting back.

 

The copy of the agreement you posted above is too small to rad unfortunately.

 

As regards Lloyds writing to fos, I think the only thing you can do is send a strong letter to Lloyds pointing out that they should be corresponding with you as regards the offer and that they are in breach of guidelines for not dealing with your complaint properly. Demand that they send you the offer forthwith. As it seems to be getting near a conculsion though, it may just be that you have to wait just that little bit longer but it will be worth it in the end.

 

Regards

 

ims

 

StatIntSheet.xls

 

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