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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • FTMDave
      Excel/DCBL ANPR PCN - Appealed - 5minutes overstay - iceland gravesend

      By FTMDave · Posted

      So to sum up. 1.  You & your friend did the right thing on 28 December and are in the right legally. 2.  You are in the early stages of the threatening letter cycle.  We've seen these letters quite literally over 10,000 times.  For the moment your friend has nothing to worry about. 3.  No-one will turn up at your friend's door. 4.  If months down the line this got to court, you would win.  It's blatant disability discrimination.  Some time back I looked through the results of Excel v Caggers court cases, well we won 85% of the time, and you would be 100& certain to win. But this is the bit that you won't like ... 5.  Excel don't care that they are legally in the wrong.  They want your money.  They will go on and on with their letters hoping you'll give in. 6.  They are also the most litigious of the private parking companies and it's perfectly possible, months hence, that they will take your friend to court.  You have to be prepared for this.  They would lose.  But they don't care about the losses since, sadly, presumably so many people are afraid of court and so give in and pay.  7.  We will of course support you all the way!
    • CinamonSpice
      Misuse of Freedom Pass - 1st Letter received and running out of time

      By CinamonSpice · Posted

      Hi, Just updating that I'll be submitting the SJPN shortly this evening electronically.
    • NewsBot
      Financial Magnum / fin-magnum.com (Clone of FCA Authorised Appointed Representative)

      By NewsBot · Posted

      Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • jasowter
      Excel/DCBL ANPR PCN - Appealed - 5minutes overstay - iceland gravesend

      By jasowter · Posted

      thank you ftmdave . they sound like tthe lowest of the low ticketing the taxi driver - surprised about that😯 and utterly stupid. would they take into consideration that we take longer than normal on another appeal as i did say that in the original one (that i done for my friend) and (i think it was the isa) they rejected the explanation?
    • dell2606
      International Debt Recovery/Legal UAE debt - scotland

      By dell2606 · Posted

      thanks, that's what i'm thinkning although heart will be pumping when I get off the plane! Lawyer in dubai says nothing against me and also confirms very rare for bounced security cheques to be raised and escalated to police case unless massive, criminal or corporate.  

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Barclays PPI in the news

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Snowingagain

Snowingagain

Posted
Posted

I'm just doing a letter to Barclaycard regarding PPI. I'm going on the lines of - I wasn't told I could go elsewhere for insurance and probably get it cheaper. I'm not sure of how to word my next complaint. If I'm ill my employer will pay me full pay for 6 months and half pay for the following 6 months. Can I put this in my letter as well?

 

Thanks.

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xboxer

xboxer

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Posted

Hi snowingagain, I would think your complaint would be an insufficient needs and demands analysis, as you already had sufficient employee benefits in place in case of sickness ( as most PPI claims only pay out upto a year at a time)

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Tugela

Tugela

Posted
Posted

Barclays refused to pay me back my PPI - i filled in an application form from a magazine for a barclaycard and they sent me a copy of this with a "smudged dot" in the PPI box........ they say I did it........... could i say i never did it? To be fair I dont think I did do it.

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pumpytums

pumpytums

Posted
Posted

So by putting a dot in a box Barclays have explained all the terms of the PPI to you, explained that it can be bought cheaper, can be bought from 3rd parties and is suitable for you needs. Did the magazine article come with the full terms of the PPI? You get my drift :). I would fill in a PPI questionaire from the FOS site send it to them. Then send it to the FOS if they don't pay up, it will cost you 2 stamps in the end. Under no circumstances go to these claims companies.

 

Don't give up they will pay up in the end. The good news is your PPI premiums are earning 8% APR the longer they mess about the more you get.

 

Pumpytums

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Tugela

Tugela

Posted
Posted

Lol Pumpy i agree with you and I have asked them to look at my claim again using the "prove i put the dot there" and they have agreed to take another look - will keep you posted.

Thanks

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pumpytums

pumpytums

Posted
Posted

Hi Tugela,

I have had several PPI claims refunded some of them I have even signed for in the agreement, so them using someone put a dot in a box is so weak it's funny. The argument I would use is that you may have put a dot there you cannot remember but nothing was explained to you.

 

On my PPI forms I simply claimed (truthfully I may add) that I was never given enough info to make an informed decision on the PPI prior to taking it out. And used the reasons I gave in my previous post.

 

You will get it back don't worry.

 

Pumpytums

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  • 3 weeks later...
pumpytums

pumpytums

Posted
Posted

Go for it Tugela,

they are daft to be honest I have sent 4 claims off to Santy and all have been upheld. I have had my problems with them and still do but to be honest they are first rate on PPI refunds. I have dealt with Barclay's/First Plus they are so slow Santy 1 week Barclay's potentially 18weeks (they have applied and been given an extension).

 

I bet you £1 worth of Pick n mix that form says place a tick in the box if you require PPI so how does a dot represent a tick? Even if you did tick it that means nothing, the onus is on them to prove that you were given enough info to make an informed decision about the PPI prior to taking it. They will fail, look at it like a saving plan at 8% APR.

 

You will probably get additional compensation once the FOS get involved, is their letter marked this is our final decision by the way?

 

Pumpytums

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Tugela

Tugela

Posted
Posted

Hi pumpy

I got one letter saying it was a final decision so i argued it and they said they would review it but sadly (lol) i got a copy of the same letter yesterday saying FINAL DECISION....... and an email from the senior customer relations manager saying its final........... i have done all the paperwork for the fos just need to send it off.... thanks for your input

I had an easy ride with monument once i got the right person and a lloyds loan was an easy ride as well........ struggling with paragon finance, welcome finance, HFC, and barclays now and then im finished lol I tried MBNA for my son but they said he filled it in online and "ticked" the box ....

will keep you posted - thanks and good luck on yours

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pumpytums

pumpytums

Posted
Posted

That seems to be the angle of some companies you ticked the box so go away. Sadly that doesn't wash.

 

I have an MBN$ account that had PPI added to it without my permission which is what they used to do. My partner had one too that she took outline the tick box they refer to was automatically preselected you had to opt out which was a major no no.

 

Good luck with the FOS, I'm positive they will find in your favour.

 

Pumpytums

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dj1971

dj1971

Posted
Posted

This is a bog standard response from barclays. Reject the claim then offer to review and reject again in the vain hope you will not take it any further.

 

Get your complaint in with the FOS, barclays will cave in before it even gets to an adjudicator.

 

Good luck

 

DJ

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