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    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [f]   warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
    • RE: EC261 Compensation   It's normal they won't have asked you to contact them . Your initial rescheduling was obviously done by a bot - and there was no human to notice the mistake, as far as the bot knew your scheduling was perfectly normal so there was no need to ask you to contact them.   As long as that was done 2 weeks in advance the carrier's liability to notify you is fulfilled.   (You could have contacted them there and pointed out that the new schedule was impossible. Unfortunately you didn't. Claiming you didn't notice is not likely to work in your favor)   The bot who sent you the 24h confirmation didn't notice the mistake either, obviously.   At some point a human or another bot finally identified the problem and that's when they called you. As far as they are concerned neither you nor them had noticed the scheduling mistake and they took it on them to notify you so you don't have a bad surprise when you try and check in.   However as far as I know, neither flight was delayed or cancelled. You could have taken both flights, if you had the power to be in two places at the same time.   So I don't think there is any scope to claim for EC261. But claim forms are free so feel free to try.     Then, you can certainly make an old fashioned claim (directly to BA)   What could perhaps play in your favor:   It's the carrier's responsibility to ensure that they don't sell you a ticket where the flyer cannot meet the minimum connection time or MCT.   This situation mostly applies to situations where the flyer doesn't know and gets caught. For example say you connect at LHR and you are given 35 minutes to connect. This may look just fine to an unsuspecting tourist, but in reality there is practically zero chance to make the connection, therefore the airline is liable here for selling you this ticket resulting in you missing your connection   In your case though it could be argued that even an unsuspecting tourist should be able to tell that it is not possible for them to depart 5 minutes prior to disembarking and therefore that you should have checked your notification more carefully.   The fact that the bot allowed such a glaring mistake to happen is certainly an argument in your favour shall you decide to make a complaint.     What doesn't play in your favor:   The airline obviously did their best to get you to your destination as soon as they noticed their mistake. They offered you more than one alternative (the first alternative would have got you in time at your destination, but you declined) and you then accepted another alternative, and fully travelled the ticket. That is a very strong position for them.     What did you lose and what do you intend to claim for?   You took the overnight connection so obviously you had to stay at an airport hotel. Is that correct? Did you keep the receipt for your hotel and meals?   You certainly should have asked them on the phone when negotiating your re-route that they provide a hotel. Within 20hrs of the flight it's something they would most probably not have denied to you (but airlines will generally avoid offering off the bat. Why lose money when a customer is just going to roll with it and pay for their own stay anyway, right?). After the fact it's going to be a lot more difficult to claim.   I do certainly think it would be reasonable to try and write them a polite but firm letter to claim for that. Not 700 euros, not damages and hardship and all that jazz, just the extra expense you incurred following a scheduling mistake that they made (that should have never happened) and that they didn't notice until way too late in the day , with your categorical inability to leave 3 hours earlier (you had very important business meetings or something critical, it certainly wasn't just convenience) and the extra costs incurred, and asking that they kindly provide compensation for the hotel and meals, which you feel it was their duty to offer you and you are politely disappointed that they didn't, and thafully you happen to have kept all the receipts. Put Alex Cruz on copy for good measure.   No guarantee but I feel it has a fair chance of success. Most probably you will be offered a heap of Avios instead of cash. It's then up for you to decide whether you want to accept that. Personally I wouldn't bother going further, but that's just me. See if anyone here disagrees, and do let us know what you decide and keep in touch with how it went.            
    • Well done El21.   You put a lot of time and research into that WS which paid off.   Funny that the Judge only mentioned that the NTK was  not compliant with regard to the time period but not query that you had not breached their T&Cs so never liable for a PCN in the first place.   Pity that since had the Judge thrown out the case you would have a great chance of claiming several pounds from them through a breach of GDPR.   I have used that time period argument before as the reason for the NTK being non compliant and it hasn't been mentioned by the Judge  so you have to put everything in to your WS since the Judge only has to pick one of the  points in your favour to throw out the case. 
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Barclays Personal Loan PPI Claim


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Hi MC

 

See my answers in red

 

I'm out till about 9pm tonight but will be back on-line then

 

Regards

 

ims

 

 

Thanks again ims, as always you are a star.

 

It is very reassuring that you have checked my calculations and to know that I'm not a complete maths numpty.

 

So, as rergards the track, is this something that is open to argument? One would have thought that it should be fairly black and white, but not being very familiar with these things, what do I know!

 

I guess a suitable tactic would be to include a reduced 'without predujice save as to costs' offer along with the prelim' letter and SOC, so Mr DJ can see that we did try to avoid going to court, which should have positive cost implications.

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Maybe PM andyorch as he's good on the legals and the detail on that front.....very helpful.

 

Regards

 

ims

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1. Single Premium PPI Q&A Read Here

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Hi

 

Maybe PM andyorch as he's good on the legals and the detail on that front.....very helpful.

 

Regards

 

ims

 

Hi ims,

 

Thanks for the advice. I'll wait to see what the victim wants to do, which I think is going to boil down to the likelyhood of a sucessful court claim, and give andyorch a shout if need be.

 

I'm just waiting for the SAR to come back so that I can check a few details, mainly how much they paid out on the PPI insurance before pulling the plug, which is believed to be one or maybe two months tops.

 

Cheers again,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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  • 1 month later...

Hi all, just an update on this.

 

Barclays have failed to respond in any way, shape or form to the DSAR. I beleive the 40 days were up today (possibly earlier). So where do we go from here? We were waiting on the SAR to do final calculations i.e. what they had paid back on the policy, which we beleive to be one months loan payment, before they pulled the plug on the basis that he was self employed (despite him being self employed from the outset).

 

Complaint to the ICO & proceed with the claim and argue the figures later?

 

IMS, anyone?

 

Thanks.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Personally I would write to the lender informaing them that they are now in breach of the DPA and that you require the requested information within 14 days. Failure to comply with the ACT will result in a formal complaint to the ICO and that you may also take court action to force compliance and seek damages at the court's discretion.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi

 

Personally I would write to the lender informaing them that they are now in breach of the DPA and that you require the requested information within 14 days. Failure to comply with the ACT will result in a formal complaint to the ICO and that you may also take court action to force compliance and seek damages at the court's discretion.

 

ims

 

Thanks for the advice ims, I guessed it would be something along those lines, but wanted to check. I'll get on it and report back as soon as there is any news.

 

regards,

 

mc

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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:thumb:

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi

Had exactly the same problem with my SAR.

Wrote and called Barclays -they returned the letter with 'wrong account number' scribbled across it!

When I called they did not grasp the issue around not fulfilling the SAR on time, but they did give me a complaint number and as I ha d said this was in relation to PPI, they said this started the clock ticking. Also said theior PPI people would contact me - that hasn't happened.

Received the SAR on 14 Nov requested it on 7 Sept.

I would advise writing but also ringing their complaints team and registering a PPI complaint so at least while you are waiting for your SAR , the 8 weeks they have to respond has started .

I submitted my questionnaire last week and referenced the PPI complaint number and gave them 8 weeks from that date to respond.

 

I think getting a complaint reference was the key to getting my data as writing had no effect in my case as tje SAR turned up a week after I made the call.

 

Good luck

 

Regards

W

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  • 4 months later...

Hi again, long time no post as I've been super busy with work and other stuff.

 

Barclays are still ignoring the DSAR request. I sent a letter 20/02 giving them a further 14 days to comply or further action would be taken without further notice; still nothing!

 

So do we issue a court claim? Plus damages? Some help here please to get me started.

 

Thanks

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi MC

 

Good to hear from you.

 

So no response to the SAR then?

 

I would now send them a 7 day lba and then issue in court to force compliance

 

Here is a thread which deals with a "failed SAR Court Action" which you might like to read

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

It will outline the steps to take to get them into court for non-compliance

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi MC

 

Good to hear from you.

 

So no response to the SAR then?

 

I would now send them a 7 day lba and then issue in court to force compliance

 

Here is a thread which deals with a "failed SAR Court Action" which you might like to read

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

It will outline the steps to take to get them into court for non-compliance

 

ims

 

Hi ims,

 

Good to hear from you too, hope you are keeping well. Once again, thanks for jumping to my aid.

 

Nope, deafening silence from Sharklys.

 

I've just emailed a fromal complaint to the ICO, can we still send an lba?

 

Thanks for the link, I shall digest.

 

Thanks,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi ims,

 

Good to hear from you too, hope you are keeping well. Once again, thanks for jumping to my aid.

 

Nope, deafening silence from Sharklys.

 

I've just emailed a fromal complaint to the ICO, can we still send an lba?

 

Thanks for the link, I shall digest.

 

Thanks,

 

MC

 

 

Ah ok...didn't know you'd e-mailed.

 

Maybe see what the produces first but if nothing then I would issue if it were me.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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  • 3 months later...

Hi ims,

 

Hope you are well and apologies for the extreme delay in updating this thread.

 

The current situation is that, following the complaint to the ICO, we received the DSAR from Sharklys (7 months after the original request).

 

All of the required info appears to be present, but it has thrown some light on something quite odd. On the loan account statement, there are three consecutive payments made from: BIDL CLM SERV A/C to the loan account. Which we assume is when they paid the monthly loan payment as a result of the insurance claim, before Sharklays refused to make any further payments. But, and it is a big but, they were still taking the payments from his current account as well!

 

The three payments made from BIDL CLM SERV A/C in July/Aug/Sep 2002 are all followed by the usual Standing Order payment; a check on the current account statements of the same period confirms that the payments went out as usual (despite the insurance claim).

 

A bit naughty don't you think!

 

How does this impact the reclaim? I must admit to being totally confused now as a result of this and am not sure how to apply the payments to the spread sheet.

 

Any advice greatfully received.

 

 

Regards,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

So the insurance paid out and the bank still took payments as normal. Very naughty.

 

However this will not affect the claim.....the money was still paid by the claimant and he wants it back. Think of it as what money he actually paid out and that is what he wants back. The fact that the insurance paid out too is up to them to sort out.

 

So just proceed as normal.

 

I see you were debating the court or fos route. As has been said, you need to consider the implications of costs should a court case be lost (given the quantum of the claim). In a court action the onus of proof of mis-selling will be on the claimant.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi ims and thanks for your reply. OK that is clearer.

 

Yes that has been some umming and ahhing as regards which route to take and the claimants decision is to go via the FOS.

 

As I have been out of the loop for some time, I'm a tad rusty on the process, but will re-read the necessary info.

 

I guess I need to complete the stat interest excel sheet, complete the FOS questionaire and send it off to Sharklys.

 

Just one question if I may, as regards what the insurance paid out, do I just deduct what they paid from the final figure on the stat interest excel sheet?

 

Thanks again ims for your help and advice.

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Yes fos questionnaire, spreadsheet and brief covering letter.

 

And yes just make a deduction for the amounts received.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi

 

Yes fos questionnaire, spreadsheet and brief covering letter.

 

And yes just make a deduction for the amounts received.

 

 

Thanks agian ims.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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  • 3 weeks later...

Ok, so we have received a response and I'm now not sure how to proceed.

 

The claimant received two letters of acknowledgement, intially we thought that one was just a duplicate. But now he has received a further letter, which rejects the claim on the second loan on the basis that there was no PPI on it.

 

So it looks like they have split the claim into two; hence the two acknowledgements and the final response as regards the second loan.

 

It sems to me that as Barclays won't be offering a repayment on the rolled over portion of PPI, then the whole claim has not been dealt with properly.

 

Do we have to wait for the response on loan one before going to the FOS or should we proceed with a complaint to them?

 

Cheers,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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  • 3 weeks later...

Update:

 

it seems that Barclays have stumped up part of a refund (on loan 1) to the tune of around £2,500. However, we are still short the rolled over portion, amounting to approximately £300.

 

 

Interestingly, although Barclays wrote saying that they rejected a refund on loan two, they have not written to confirm the claim/payment that they made on loan 1; which was probably two weeks ago.

 

You would think that they would would write and explain the payment made. So I am wondering why they haven't, perhaps they are leaving us in the dark until the time limit to complain to the FOS has expired?

 

Some advice please would be greatfuly appreciated. i.e should we forge ahead with a complaint to the FOS or wait until the deadline has expired for Barclays to respond to the PPI claim?

 

I'm inclined to go to the FOS now as they have rejected the loan 1 portion, which means that our claim will not be fully dealt with. ????????

 

Thanks in advance.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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If it were me I'd write to them demanding the detail of the refund they have made so you can see exactly what is included.

 

You have six months from a written final decision to refer to fos OR if they have not dealt with your PPI complaint within 8 weeks.

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If it were me I'd write to them demanding the detail of the refund they have made so you can see exactly what is included.

 

You have six months from a written final decision to refer to fos OR if they have not dealt with your PPI complaint within 8 weeks.

 

 

Thanks once again ims. I will follow your advice and report back as and when.

 

Cheers,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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