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    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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Santander PPI on Debenhams Store Card


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Here is an explanation as to what the outcome and effect of the High Court PPI case and explains that brokers and intermediaries who sold PPI who were not covered by GISC may be more difficult than Banks and Insurers who were subject to from 2001...an interesting read

 

http://www.out-law.com/page-10509

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Got a letter from the underwriters today saying they are unable to assist at this time HOWEVER they are collaberating with the FOS to resolve this matter and will be in touch once this review is complete!!!

so i continue to wait and ponder as to how long is a piece o string!!!

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Hi nimmynim.

That is an interesting response as it is different to mine, where they referred me back to Santander.

So it looks like something is going on in the background.

I will be trying to speak to FOS as I have not had an update since before Xmas , so I will update if any news.

 

Regards

W

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Looking at DISP 3.1 to 3.10 in the FSA handbook..it states that for evidential purposes... pre-2005 agreements... it should be used as a 'guide'...does not say that it does not apply at all...

 

 

Scope

The guidance applies to complaints about the sale of all types of PPI contract, whatever the basis on which it was sold and irrespective of whether the policy is still in force, was cancelled during the policy term or ran its full term (DISP App 3.1.1G).

For banks and insurers, the new regime covers complaints about PPI sales going back to 1st December 2001.

Brokers and intermediaries, however, have only been subject to FSA regulation since 14th January 2005. The FSA has confirmed that DISP applies to complaints against intermediaries about earlier sales if the intermediary was a member of the General Insurance Standards Council (GISC) at the time of the sale and the subject matter was covered by its rules.

Although the GISC code did not include many of the more detailed provisions now found in ICOBS, the FSA is satisfied that its general principles are sufficiently similar to those in the Handbook.

Sections in the final amended DISP text that have been given the status of "evidential provisions" will, however, only apply as guidance to complaints about pre-2005 sales (DISP App 3.10). Guidance is illustrative, but not binding, whereas compliance with an evidential provision will be taken as evidence that the firm has complied with FSA requirements.

For non-GISC sales (which would be outside the scope of DISP), complainants have to rely on common law principles, such as negligence or (where the broker was acting as agent of the insurer) the duty of utmost good faith or the general law on misrepresentation.

 

taken from

http://www.out-law.com/page-10509

Edited by means2anend
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  • 2 weeks later...
  • 2 weeks later...

I'm just in the process of starting this same action on behalf of my wife so am thankful of the comments so far: even if they aren't exceptionally positive about a good result.

I know I read something somewhere about a lady who won her battle against a store card on the basis that it had been "upgraded" to a bank card, ie similar I would have thought to Debenhams being issued by Santander. Possibly even the same set-up exactly.

The balance of the card was voided as it was unenforceable as no agreement had been signed by the customer.

 

On the probability that this situation is one that does indeed apply to Debenhams - Santander, can anyone enlighten me on when the "upgrade" took place and what paperwork, if any, was put out requiring any signature of acceptance?

 

Have now found the court case I mentioned. Just click here.

 

Just for the record, and to show how well worthwhile these actions are, I have already won a £25k refund from my Barclaycard and another £7k from a loan agreement that had just completed with another for almost £2k for another small loan many years ago.

 

Off on holiday to Tenerife on 19th of June when the £25k will be through.......

Edited by Lynnzer
Found example of court case referred to
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  • 5 months later...

Hi

Out of nowhere Genworth have written to say they have reconsidered and have offered to refund premiums plus simple interest. As they denied responsibility and referred me back to Santander . I wonder whether FOS have made a case on these claims.

FOS have yet to update me on any progress made, all I have received from them in a year is one we are dealing with this but have a lot of complaints letter.

Has anyone else received an offer , they have given me 30 days to decide ( this is the second offer). What was also interesting was they had data going back beyond the period Santander provided to me.

 

W

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Hello WFLOSS

From Post #9

Hi

FOS have asked me to submit my claim to Financial Insurance the underwriter,

I was wondering, could you explain who/how Genworth are invloved please. I have a similar PPI issue with Santander/Debenhams for a card taken out in 199*. Santander have sent an alleged copy policy where Financial Insurance is named but not Genworth. Have not contacted Financial Insurance yet. Thanks t

Edited by tedney
typo
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Hi

Genworth is the trading name of Financial Insurance , so they are one and the same.

If you read my earlier posts it sets out the process I went through as advised by FOS

 

But in summary Santander refused, referred to FLA but decided not to bother with them so contacted FOS who advised making a claim with Financial Insurance. They refused and referred back to Santander, so back to FOS for 12 months until I received the offer.

 

Good Luck

 

W

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  • 4 weeks later...
FOS have just written to say Genworth are accepting responsibility for debenhams ppi

Hello crampers. Do you have a thread about your debenhams ppi claim please? Could you post a link here, or provide some info about your debenhams ppi claim. I am sure many here would be interested.

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The claim is ongoing with the FOS it was stalled due to The Financial Insurance Company (Genworth) arguing that they were not responsible or liable, the FOS has today informed me that after 2 years Genworth has accepted responsibility for misselling and that they would be contacting me. Signifigant development.

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The claim is ongoing with the FOS it was stalled due to The Financial Insurance Company (Genworth) arguing that they were not responsible or liable, the FOS has today informed me that after 2 years Genworth has accepted responsibility for misselling and that they would be contacting me. Signifigant development.

 

OK Thanks for that.

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This is good stuff as I also am pursuing on bhalf of colleague Debenhams Store Card/Ge Capital One/Santander/ taken out pre-2000....inroads appear to be made...do you have Genworths Address....whaich is the appropriate address to send to.....Financial Insurance or Genworths???

Thanks much

:smile:

 

WHICH WAS SOLD AT POINT OF SALE...

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  • 3 weeks later...
:bump: the above address please anyone...thanks
Hello Means, Here you go: Financial Insurance Co. Ltd. Building 11, Chiswick Park, Chiswick High Road, London W4 5XR. This is from some SAR details sent to me by Santander, this is their registered office, also The Financial Assurance Company Limited. Not sure how current this is, as I have not (Yet!) written to them here. Good Luck. Regards t
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