Jump to content


  • Tweets

  • Posts

    • I've read loads of old messages about what to do but feel my case is different, it's a bit of a back story so ill break it down. - Had a letter from an Italian province in July of 2020 for a speeding offence in 2019 for 575 euros, was in a hire car I used for work, no longer work for them and heard nothing from either. - Thought blimey, but went to pay it anyway, it had doubled to over 1100 euros, yeah I can't afford paying that, filled out the attached information sheet to say it was me driving but I have no money or job due to COVID (true story) and sent it back (durrrr) - Heard nothing until December of 2023, a letter from an appointed solicitor from Florence saying if I don't pay, we will chase you through the legal system with costs beared to you. - May of this year, I get a letter from CLI (Credit Limits International) basically saying they have been appointed to carry out the collection, £1475. - Stupidly, I started the 'three letter process' asking for proof etc, and they replied a few days ago with a copy of the fines I had received from Italy, they stated the debt has no terms and conditions as it relates to a fine in Italy and the debt is not subject to the Consumer Credit agreement. I translate that to "at the moment we don't own the debt and have been given authority from Italy to pursue the debt". That is where I am currently at, I would begrudge giving in and paying an obscene amount. As seen from similar threads, I know a threat of a visit is coming, followed by a threat of court action, but annoyingly it hasn't been mentioned how these cases were concluded and the threads are now locked. I've read to ignore them, but can't help but feel that because it's such a substantial amount that they will feel it's worthy of pursuing this no matter the hoops they have to jump through. Along with admitting it was me driving and opening the can of worms by contacting the DCA, it wouldn't look good for me should it ever get to a courtroom.  Has anyone with previous experience managed to 'get away with it'? Anyone know what they're capable of other than nagging me? I'm not after any moral judgment.
    • take the SD card out and put on a pc/laptop then run recuva on it in  select videos only option select specific location hit browse then select drive letter of the SD card. then next  then deep scan then go have a cup of tea..  when done dont recover the all files back to the card select a new folder on your pc/laptop        
    • hi all, i will list my curmcumstance first then list the details of the penalty charge - we are 2 diabled people being affected by the cost of living crisis and are skint etc. i am disabled with mobility issues(arthritis in knees and ankles and gout) and cant operate car pedals anymore so i let a friend up the road use my car in exchange for her driving me about. its a good arrangement as i get a 'chauffer' and she gets the use of car. the car is parked in her drive which is better as i was refused a disabled space (even on appeal) and too much congestion to park the car outside my house. my friend is vulnerable as she has suffered depression and suicidal thoughts since the loss of her mother a few years back, she is dyslexic, she is a carer for one of her sons that is disabled due to mental illness and mobility. she lives in a council house and cannot work. we went to iceland ..attracted by the 10items for £10 offer - we've never been there before. a large artic lorry was parked accross the car park blocking the view of one of the parking signs and blocking the disabled bays where the pay&display machine is. by the time she helped me out of the car and then went to see if it was pay&display then came back to me at the car she said she thinks it was pay even for disabled, so we looked for change in the car which we didnt have (she normally goes asda which dont need to pay for parking)so then we said we'd either go get change or go to asda...so then by the time it took her to help me back in and get out the car park took 15 minutes...5 minutes overstay past the 10minutes grace. the letter from excel parking came through and i sent it back giving her name as driver (before i saw on here that you shouldnt name the driver) then i appealed explaining what happened (lorry blocking etc) and even said we were being descriminated (advised by citizen advice)as we are disabled and 15minutes is not long enough for a crippled disabled man and a woman with dyslexia to read and understandd the sign and get out, then back in the car and look for change then get out the car park in 15minutes. i even explained she was a vulnerable person on anti-depressants and even sent a photo of medication and said if you need a doctors note then let me know....the appeal was rejected. i've emailed iceland over 50 times and they just wont tell excel to cancel this charge - they are ignorant and ive even asked them why they have a webpage saying 'iceland combatting the cost of living crisis' pretending to help their customers and they wont comment...they'd rather put more stress and anxiety on an already suicidal vulnerable person just to get money out of them..so their 'help' during this crisis is a lie as it wont even extend to disabled customers. she has now received 2 letters from DCBL saying she owes £170 for 5minutes of overstay. the last one is a final demand. as she cant read or write very well ive sent a recorded letter to DCBL (as advised by citizen advice) asking not to attend the property due to a vulnerable woman inside the property as it will only exasperate the situation, they have ignored it and basically said we dont care, you still owe. could anyone please advise - we are not very good with letters or these situations and are slow on the uptake.   1 The date of infringement? 28th dec 2023   2 Have you yet appealed to the parking company yet? [Y/N?] yes   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]cant do that - will have to get my son to do it when he visits   Has there been a response? yes   Please AS A PDF FILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]cant do that - will have to get my son to do it when he visits   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] yes   What date is on it? 15th january 2024   Did the NTK provide photographic evidence? yes   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'scant do that - will have to get my son to do it when he visits   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] not on the front - maybe on the back but cannot find the letter now   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] yes   5 Who is the parking company? excel   6. Where exactly [Carpark name and town] did you park? gravesend in iceland    
    • Hi Dave, I had no updates on this PCN since my last post in July 2019.  I received no further communications from the parking company.  I changed my address in May 2022. Thanks, I will send a letter to Excel parking to inform about the change in the address. 
    • I have a BMW Advanced Car Eye 3 Pro - I think it's 50/50  In any case, none of the documents / photos sent in the SAR showed a ticket on the car. 
  • Recommended Topics

  • 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

Claiming PPI from Santander/GE Capital


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2725 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

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Still trying ....

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

Very amused that Santander, they sent me bits of what I guess are 3 different stock letter pasted together at one point it refers to "policy taken out on 15 July 18 May 1991". When my policy was taken out in August 2002!

 

Thrilled to pay £1.20 for her to agree they had ignored half my letter and that they would look at it again. She was determined that FOS 'was not allowed' to intervene and if FOS wrote to them they would tell them they had no jurisdiction. Love these guys.

 

They have requested I send them my NIC's record as evidence of not being employed when I took out PPI on a Fraser Card Account (formery GE Capital).

 

FLA have not yet returned my call...

 

I just wish I hadn't paid off the account because they sent me a copy of credit agreement and application form and it's filled out completely incorrectly... they should never have given me the card yet alone the PPI!

Link to post
Share on other sites

  • 2 months later...

congrats!

 

I've just had my 2nd rejection, enc is my original agreement with the account cover boxes crossed out and some waffle about how this is irrelevant because it was sold to me over the phone but guess what.....they don't have a record of this supposed call, thieveS!

Link to post
Share on other sites

congrats!

 

I've just had my 2nd rejection, enc is my original agreement with the account cover boxes crossed out and some waffle about how this is irrelevant because it was sold to me over the phone but guess what.....they don't have a record of this supposed call, thieveS!

Nearly the same as what happened with us... However they Were caught out by something and i can't say . You really fi have to have proof that They Didn't make that call, even yhough they admit no proof of call .Wish you luck though do not recommend the court route as a strong chance it could go the other way :(

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

Link to post
Share on other sites

millymolly - can you give a bit more info on why you think we shouldnt take it to court as I was strongly considering this option as it seems like it is the only one for me now - I have virtually exhausted everything else. Also if I take it to court - how do I stand regards costs - we have recently had to go on benefits due to my husbands serious illness and really cant afford court fees out of £105 a week.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

I would recommend the FOS (EDIT: not sure if they cover an older policy) , the judges do not want this in their courtroom in all honesty and alot of cases have been lost .

 

Even with what we had I wouldn't do it again. If you have strong evidence that what they say did not take place and I mean strong written or otherwise then it's your word against theirs. Crikes we accused them of fraud and I know it seems I've taken adetour, however had done alot of reading up on PPI cases in court since november.

 

Regarding costs I cannot really advise you , I think with certain benefits the court fee is free and other fees, but I believe if you still wanted to go down that route ask the court who will give you the right advice. if the case was lost I gain cannot be sure as to costs , however believe you would not be exempted. I really don't know sorry :(

 

Try the Fos for some advice anyway. Good luck xxx

Edited by millymollymoo

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

Link to post
Share on other sites

Hi

Tink , are you having any luck with FOS?

As I recall you were ahead of me in the Santander/GE Money pre 2005 PPI process which involves

1. Trying to claim it back from Santander

2. They refuse giving reasons and refer to FLA

3 Go to FLA - I missed this stage out after reading sevral threads

4 Ring FOS they say yes fill in a questionnaire we will claim from underwriter

5. FOS write to underwriter

6 FOS asks you to send FOS questionairre and claim to underwriter

7 Underwriter refuses saying they were not present at the sale and have passed on to Santander, knowing full well they have already given their final response

8. Complain to FOS about underwriter refusal

9. ??????? - No idea what FOS are doing as I have seen several cases dating back to 2009 who were at this stage , but no idea whether there has been any progress beyond this.

 

I am at No 8 and there appear to be many of us at this stage , have you progressed beyond this stage? Is that why you are considering court?

 

Regards

W

Link to post
Share on other sites

I too am at stage 8 with my complaint, but as my complaint has been with the FOS now since 2009 I am fed up with waiting - that and the fact that we have hit severe financial difficulty with my husband becoming seriously ill and unable to work (possibly for the rest of his life).

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

I do get updates from the FOS every couple of months, but the news doesnt change. Apparently they are considering whether they can bring action against the underwriters and there are a lot of legal implications that they have to consider before they can decide. If they decide to take action, a possible test case will happen and then the floodgates for the rest can open - at least this is how I see it.

 

WFLOSS thank you for your kind comments - when you have no choice but to claim benefits you dont realise just how hard it is going to be. We are struggling (unsuccessfully) to keep our heads above water on just over £100 a week (for both of us!!)

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

Tink

They are not rushing in their considerations are they? Plus at the same time they are rasing peoples hopes as they are still accepting new complaints.

Court is an option for you , but I haven't come across anyone that has actually gone to court and won against Santander or GE in a pre 2005 storecard scenario , so it is risky.

 

It looks like you have some other irons in the fire so hopefully something will go your way.

 

Have you any other potential reclaims like late fees as in my experience they settle those quickly albeit they just add 8% , but this may help in your current situation .

Santander and Nat West came back very quickly with offers for me recently.

 

Probably teaching Granny to suck eggs but in my efforts to improve my attitide to money and debt , I have looked at the Money Saving Expert site and there is some interesting stuff on there about earning and saving money. No quick fix but there may be something that could help.

 

Regards

W

Link to post
Share on other sites

  • 7 months later...
  • 4 weeks later...

Hi I don't know whether this is of help to anybody.

I too got fed up trying to re-claim PPi on a 2003 loan i have with London Mortgage/Acenden I was given same old reasons - not regulated etc. in 2003. I eventuallyturned to FOS (it has been with them about 2 years) I today received a letter saying underwriters have now accepted responsibility and Fos will now look at each case in order they received them .So heres hoping!

Link to post
Share on other sites

  • 2 years later...

Don't give up, I got paid out eventually after 5 years!

It was much less than I had worked out BUT I got a letter direct from Santander in march to say they were looking at my claim again!

They have made me an offer, which I dont think is enough.

I'm trying to find the interest calculators on this site now to recalculate... anyone around to show me where to find them please?

Link to post
Share on other sites

End of link 1 below

 

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

Don't give up, I got paid out eventually after 5 years!

It was much less than I had worked out BUT I got a letter direct from Santander in march to say they were looking at my claim again!

They have made me an offer, which I dont think is enough.

I'm trying to find the interest calculators on this site now to recalculate... anyone around to show me where to find them please?

 

Hi,

I also had a letter from Santander in March saying they are reopening my claim, when I phoned them, they said that they were waiting for new calculators under new guidelines to work out how much the claim would be. Eargerly waiting now, they said prob end of July. Had this card from 1995 to 2004.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

How have they calculated the interest - have they added the interest at the rate you paid, I was paying 29.9% !!

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

Hi all.

Glad things are looking better for this one. Been a long time.

Going to get my letter off to Santander.

Could anyone please give me the address that they have been sending their recent correspondence to?

Thanks.

kimberley6

Link to post
Share on other sites

addresses are in the top posts of each named bank forum

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

I've received my offer letter now and I too am disappointed with their calculations, there is no breakdown to show how it has been calculated. Emmtay have you accepted or what are you doing now?

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...