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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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Reclaim PPI from GE Money[ loans.co.uk] ****WON Loans.co.uk coughed*****


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A question about re-claiming mis-sold PPI: a claims company called Hardwick phoned me and 'identified' a mortgage that I had on a previous property about 5 years ago. And, indeed, I did have a mortgage with GE Money Home Lending, which I redeemed when I moved to my current flat. As that company have sent me an information pack, and as they are the ones that have prompted me to claim, am I obligated to go through them (they charge 25% on successful claims) or can I do it by myself? - I think a number of people on the CAG Forum seem to be claiming themselves.

Does it matter if I took out that mortgage over six years ago, as long as it is less than six years since I have redeemed the account?

To make things more complicated, another claims company has today pestered me for their business...

 

As for the Agreement itself, GE Money have sent me something but the Total Loan Amount is not split up into the amount of the loan itself and any PPI. Is it best to send a Subject Access Request to them asking for a full broken-down agreement?

Is it ok to continue to use this thread, ims21 or the site team, or do I need to find a separate thread for GE Money?

 

Any help greatly appreciated, thanks

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A question about re-claiming mis-sold PPI: a claims company called Hardwick phoned me and 'identified' a mortgage that I had on a previous property about 5 years ago. And, indeed, I did have a mortgage with GE Money Home Lending, which I redeemed when I moved to my current flat. As that company have sent me an information pack, and as they are the ones that have prompted me to claim, am I obligated to go through them (they charge 25% on successful claims) or can I do it by myself? - I think a number of people on the CAG Forum seem to be claiming themselves.

Does it matter if I took out that mortgage over six years ago, as long as it is less than six years since I have redeemed the account?

To make things more complicated, another claims company has today pestered me for their business...

 

As for the Agreement itself, GE Money have sent me something but the Total Loan Amount is not split up into the amount of the loan itself and any PPI. Is it best to send a Subject Access Request to them asking for a full broken-down agreement?

Is it ok to continue to use this thread, ims21 or the site team, or do I need to find a separate thread for GE Money?

 

Any help greatly appreciated, thanks

 

Hi there PCB

 

I would not use a claims company....do it yourself and save the 25% plus that they will charge. No you are not obligated to them.

 

Forget anything about time limits...if there was mis-sold PPI then claim it back....we can help you with that for free!

 

Can you post up what you have from GE (MINUS ANY PERSONAL INFO) as a PDF file please.

 

I'll ask the Site Team to create a new thread for you.

 

Regards

 

ims

 

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I'll have a look just in case, Ims, but I don't think I did keep any of the mortgage statements... The amount I paid per month is on the copy letter they have sent to me, as is the original amount. The letter doesn't even state the APR/rate of interest, so I will have to request the full agreement. But I'll post it up as a PDF file.

Thanks.

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Thank you, silverfox. Am I now in the new thread?

 

 

PCB

 

Based on what you have said, I think a SAR will be needed and a full breakdown of the PPI.

 

These companies will do it for you but why? It's not that hard to DIY . The CMCs will do exactly the same as you with the help of CAG

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I'll have a look just in case, Ims, but I don't think I did keep any of the mortgage statements... The amount I paid per month is on the copy letter they have sent to me, as is the original amount. The letter doesn't even state the APR/rate of interest, so I will have to request the full agreement. But I'll post it up as a PDF file.

Thanks.

 

Hi PCB

 

Ok....if you can post up what you've got we can see where we go from there. You might (and I say might) have enough to prepare a claim already but lets see.

 

Regards

 

ims

 

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It will save up to eight weeks if I did have enough paperwork to claim already :-)

 

silverfox has written: "These companies will do it for you but why? It's not that hard to DIY . The CMCs will do exactly the same as you with the help of CAG"

 

The CMC claimed they could claim Interest on the PPI too, but I guess I could also do that myself with the help of CAG? I would be more than happy to give a small donation to CAG when (or I should say 'if and when') this has all been resolved.

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It will save up to eight weeks if I did have enough paperwork to claim already :-)

 

silverfox has written: "These companies will do it for you but why? It's not that hard to DIY . The CMCs will do exactly the same as you with the help of CAG"

 

The CMC claimed they could claim Interest on the PPI too, but I guess I could also do that myself with the help of CAG? I would be more than happy to give a small donation to CAG when (or I should say 'if and when') this has all been resolved.

 

Yep...we will get you what you're entitled to.

 

Keep on reading around the ppi forums as there is a great deal of useful information in the threads there.

 

ims

 

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Thanks ims. I have scanned the document, which is basically just a letter, not an actual agreement into an email to me this evening at work. But, sadly, I forgot to delete my personal details in the photocopy and unfortunately can't amend the file before uploading it the CAG forum as it is a PDF file.

I will have to wait until tomorrow, when I can bring in some Tippex (forgot yo bring any in today!) to delete what is personal to me.

PCB

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Ims or anyone, could you briefly let me know how to upload a financial document, which is now in the form of a file in a folder on my computer? I have a feeling that the document isn't sufficient in itself to work from as it doesn't even split the loan amount itself from the PPI, or even mention therein that there is PPI...

Thanks, PCB

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open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

hit reply button

 

ims

 

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Look at the bottom of a post and you will see where you type your reply there is a "go advanced" button....click that one. There you can do your reply and manage attachments.

 

ims

 

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I have managed to upload the file, which I will insert in this message.

Thanks for the guidance.

 

I did the first 5 steps, but when I clicked on the Insert Image icon nothing seems to have been insert - instead I got a dialog box open which invites one to select an image from pc, which I have already done.

So it is your "insert inline" step I haven't done yet... pcb

img-707155630-0001.pdf

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Oh, it does seem to be attached! Please let me know whether the document is enough to claim on or whether I'd need to submit an SAR for the proper agreement

pcb

 

Hi

 

There's nothing on there in respect of figures for ppi so I think a SAR is going to be your best bet.

 

Template for SAR is in the CAG library, the link to which is at the top of every CAG page in green.

 

£10 Statutory fee is payable and they will have 40 days to comply.

 

Regards

 

ims

 

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Hi ims,

As I'm working from home today, I received a call from a claims management company called Consumer Money Matters with an 0116 number. Although the chap who called sounded pleasant he was, nevertheless, rather pressurising. I said I had made a decision not to go through claims management companies for reclaiming PPI from loans. He said why wouldn't I wish to claim the money back, and I said I would but not through a company but by myself. He then said if it was that simple for consumers to do it for themselves there wouldn't be claims management co's.

He pointed out to me that if I were unsuccessful myself I wouldn't be able to claim again through a CMC. When I asked the fees on a successful claim he said 29.4% incl VAT. He also says he has a "good relationship" with some of the lenders, and he kept asking me what loans I have had in the last 30 years (as his co can claim back monies from as far back as that - and he was helpful about giving me the number to call for a past Agreement from the Halifax.

To use 'delaying' tactics I said I'd call in a couple of days or so. What should I say if I don't want to use his co or another CMC - shall I admit I'm getting advice from the CAG? He said that (most) banks/lenders would try any tactics not to pay out. Or do you think I can get away with not phoning back the CMC and not answering my home phone during the day?

Thanks

pcb

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Hi

 

They will do nothing for you that you can't do yourself.

 

I think you can see why CMC's exist....they earn (in this case) nearly 30% of a successful claim! They are not in this to do you a favour.

 

It is your choice but I certainly wouldn't use one. You are under no obligation to call them back. If you don't want to use them then if they call you just say "no thanks" and put the phone down.

 

A lot of what they say is, of course, sales puff...they want to get business.

 

Its none of their business where or from whom you get advice.

 

Regards

 

ims

 

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  • 4 months later...

ok

go get 'em

they CAN be ahard nut to crack

but if you do it PROPERLY from day one

 

with an FOS customer questionaire http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

and a SOC [spreadheet]

you cant go wrong.

 

what type of credit was it.

 

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... 

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