Jump to content


  • Tweets

  • Posts

    • A full-scale strike at the firm could have an impact on the global supply chains of electronics.View the full article
    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Shelley v Associates (Citi)Judgment awarded but Citi apply for S/A ***ONGOING***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4095 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

why?

 

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... 

Link to post
Share on other sites

  • Replies 394
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Because although this in formation was requested within our SAR letter no documents regarding the PPI were sent - although they were asked to comply fully with the SAR request, they replied they had!

 

I am interested to know what the limitations were in respect to sickness/ill health claims and if any exclusions may have applied. Would a 'retired' person have been eligible and if they subsequently returned to work should the applicant have advised them? If partner was still working would they still have been eligibl under the PPI?

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Am I correct being advised that if Citi reimburse any unfair charges that it will be the difference between what was charged and £12? Did they win this rule in some courtcase i'm not aware of?

 

Also, although people on here are saying that no reason needs to be given to reclaim PPI for being mis-sold but if you end up taking them to court, surely there has to be a valid reason why you feel that you were mis-sold it?

 

I would be interested if anyone has a copy of the PPI policy for Associates card/Citi from 2001/2002 and what their exclusions were at that time? If anyone has a copy, I would be very interested.

 

If the applicant was retired at time of the application but then subsequently returned to employment part-time, were they responsible for telling Citi? Does that give them right to not pay out on a PPI claim, if one was made?

 

Appreciate any feedback on this please.

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Am I correct being advised that if Citi reimburse any unfair charges that it will be the difference between what was charged and £12? Did they win this rule in some courtcase i'm not aware of?

 

No....you will be claiming the whole amount, not just the difference between £12 and the actual. Forget what Citi (or any other bank may tell you about £12 being acceptable.

 

Also, although people on here are saying that no reason needs to be given to reclaim PPI for being mis-sold but if you end up taking them to court, surely there has to be a valid reason why you feel that you were mis-sold it?

 

I'm sure if you look at the list of criteria for mis-selling there will be more than one which applies to you

I would be interested if anyone has a copy of the PPI policy for Associates card/Citi from 2001/2002 and what their exclusions were at that time? If anyone has a copy, I would be very interested.

 

Sorry, can't help on this one

If the applicant was retired at time of the application but then subsequently returned to employment part-time, were they responsible for telling Citi? Does that give them right to not pay out on a PPI claim, if one was made?

 

If they were retired at the time it was sold then that's cut and dried....applicant didn't need it anyway and it wasn't a suitable product to sell.

Appreciate any feedback on this please.

Shelley

 

Hope the answers in red help.

 

ims

 

Link to post
Share on other sites

Hi ims,

You have come to my rescue again, thank you.

 

It was while I have been doing some reading that it had been picked up that if I am taking Citi to court then it is upto me to prove what their costs would be and not for them to prove what they are! Heaven's knows how I would do that? If I am to build a defence up how would I prove they are over charging for a service?

 

dx said that I didn't need a reason to say I was mis-sold but when I completed the form on FOS website section (d) goes into quite a bit of detail as to how one would have paid their account without it etc., (hope that makes sense).Which is why I was looking for assistance if anyone had a policy document I could view. I thought it would help my defence?

 

I have been going through the CCA today with a fine toothcomb and what does stand out on the photo copies of statements is that when the original account was with Associates, they didn't state the interest being charged on the statements. That may have been the same for all c/c companies at that time, not sure. In fact, Citi didn't show the interest rates being charged on the statements until the account went into default. Is that usual?

 

We have never received a 'true copy' of the original application form only a computer print out with the data on it but it clearly states that the applicants occupation was 'RETIRED', but he did ask for PPI, which was subsequently charged for. Therefore, I do feel we have every right to reclaim this as mis-sold and if they want to push it, I have written evidence that when the applicant became ill, following returning to part-time work, they Citi ignored his request to claim on the policy. I don't have their response but I remember thinking back then that I assumed he wasn't eligible because of a pre-existing condition - but in hindsight - how the hell would they have known that when they didn't even ask?

 

We have claimed (in a seperate letter) for unfair charges also but to date have received no reply. Stupidly, I gave them eight weeks to investigate but that will give me time to build my defence up for when I send lba and see them in court.

 

Apologies for rambling but I am so fired up today over this. Been on it for hours.

 

Regards

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Hi shelley

 

And there will probably be a few more hours on it too if I'm honest.

 

To the main points though, I think you are in danger of over-complicating this to some degree (forgive me for saying so).

 

It is well documented that the over limit and late fees are unlawful. It doesn't matter whether they are £10, £12 or £50. If you look into this more closely (and I know you have put some hours in already) you'll find that this is all based around the banks creating an unfair relationship and the fees being charged are deemed as a penalty, not as a fair charge for work involved. Penalty and unfair relationship are the main points.

 

Now with regard to the ppi, my simplistic, but I think logical view, is that it is black and white. Either it was mis-sold or it wasn't. There can be no "migt have been". Its rather like Yoda in Star Wars.....There is no try, there is only do or do not. Now, in your case the statement that you were retired is enough to make ppi at the time of sale totally inappropriate. Couple this with other criteria for mis-selling such as "Not fully explained", "Not advised that ther products were available" etc. gives you a clear cut case of mis-selling.

 

So in a nutshell, dx is right that you don't have to get into an argument about their true cost of a late payment fee because it is irrelevant under the unfair relationship and penalty situation and with regard to the ppi it appears to me to be cut and dried. Especially as the banks capitulated in the recent case and the reason they have not appealed is because they know that it is game over for them.

 

ims

 

Link to post
Share on other sites

Polite correction, OH was retired. I am his younger model and still working :)

I prefer straight talking, no frills so nothing to forgive.

I do have a tendency to over complicate some things - like to be thorough but I know I cause myself more work than is sometimes necessary.

Which is the recent case to which you refer?

 

I will work on my court docs and try to post when almost ready to submit. I sure could do with that holiday.

 

Thanks again.

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Polite correction, OH was retired. I am his younger model and still working :)

 

Apologies...principle is the same though

 

I prefer straight talking, no frills so nothing to forgive.

I do have a tendency to over complicate some things - like to be thorough but I know I cause myself more work than is sometimes necessary.

Which is the recent case to which you refer?

 

The ppi Judicial Review decision in April where the banks chose not to appeal against the decision on mis-selling of ppi?

 

I will work on my court docs and try to post when almost ready to submit. I sure could do with that holiday.

 

With each day that holiday is getting closer

 

Thanks again.

Shelley

 

ims

 

Link to post
Share on other sites

Here's a strange one for the pot.

During July I will receive confirmation that I will have 'Lasting Power of Attorney' in respect to my OH. As this account is my OH's, how will I word the WS?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

KISS

 

keep

it

simple

stupid

 

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... 

Link to post
Share on other sites

KISS

 

keep

it

simple

stupid

 

dx

Am I missing something here? Would love to but as I am not familiar with the legalities of the court processes, I have just come to complete the NI form and although it will be the OH's as the claimant, it will be me representing/defending the case if it gets to court. Presumably, I will complete docs in OH's name and send covering letter to the court explaining?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Am I missing something here? Would love to but as I am not familiar with the legalities of the court processes, I have just come to complete the NI form and although it will be the OH's as the claimant, it will be me representing/defending the case if it gets to court. Presumably, I will complete docs in OH's name and send covering letter to the court explaining?

 

OK shelley....hands up....you finally got me!

 

I'll do some research but others may well reply before I get back on this.

 

ims

 

Link to post
Share on other sites

Comes to something when my local courts don't know!

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

I am not familiar with the legalities of the court processes, I have just come to complete the NI form and although it will be the OH's as the claimant, it will be me representing/defending the case if it gets to court. Presumably, I will complete docs in OH's name and send covering letter to the court explaining?

 

'During July I will receive confirmation that I will have 'Lasting Power of Attorney' in respect to my OH. As this account is my OH's, how will I word the WS'?

 

Can someone please advise how I will go about this?

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Hi shelley

 

Maybe drop a PM to andyorch and ask him to pop in...he's pretty good on the legals. If not he may be able to put you in the right direction.

 

ims

 

Link to post
Share on other sites

Thank you ims.

 

Took awhile to locate how I did that but I have managed it, thank you.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Further to your PM Shelley

 

Ok to get back to you in the morning ? (long day):-)

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Further to your PM Shelley

 

Ok to get back to you in the morning ? (long day):-)

 

Regards

 

 

 

Andy

 

Absolutely, no probs.

Appreciate your input.

 

Regards

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Hi shelley

 

I was sure you asked what an AQ is for but can't see it now....maybe you edited your post.

In case you are still curious.....

 

http://en.wikipedia.org/wiki/Allocation_questionnaire

 

Regards

 

ims

 

Guilty as charged your honour, lol. Apologies ims. I have got so many windows open and didn't realise I had the answer staring right at me. I didn't want to take up your time, so edited the post. I am trying to get to grips with the order of the courts paperwork in prep for taking Citi to the cleaners, whoops! Court.

 

Regards

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Hi Shelley

 

OK complete the N1 in your O/H name along with all the particulars.When push comes to shove you will be representing him

as a McKenzie Friend read here :-

 

McKenzie friends, McKensie friends, MacKenzie friends

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I am trying to write up an N1 form for the courts and have so far come up with the following;

 

On or between XXXX and XXXX an application was made to the defendant for an account to be opened.

My employment status at that time was 'retired'.

 

Payment Protection Insurance was applied for and charges are shown on monthly statements.

 

I took up part time employment in XXXX but became seriously ill and duly advised Citi of my ill health and a request was made to claim against the PPI policy, which was ignored.

 

Therefore, as PPI should not have been granted to a 'retired' applicant and later my claim was ignored when in employment and ill, I claim full reimbursement of all premiums paid plus compound interest.

 

Is this worded sufficiently enough for the courts or should anything else be added?

 

Any assistance on completing the N1 form would be appreciated.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

Hi shelley

 

For the N1 form itself you can keep the detail brief. For Example...Reclaim of mis-sold Payment Protection Insurance Put the full monty in your POC which will be attached to the N1 and which will go into detail.

 

ims

 

Oh okay. Cheers ims.

 

So when I do go into more detial on the POC I can bring in my timeline of events so to speak to explain?

 

On the legal pages on here they have examples for POC's but they tend to be for 'unfair charges'. They have been drafted up by some judge and are worded brilliantly. I had hoped to be able to do something similar.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...