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    • 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.
    • https://www.rac.co.uk/drive/news/motoring-news/new-private-parking-code-to-launch-in-the-uk-later-this-year/ The newly created gov petition 'Immediately Reintroduce Private Parking Code of Practice' is from Stanley Luckhurst, the 85-year-old old Excel Parking took to court. Excel lost the case and the pensioner's been campaigning for regulation of PPCs since this unpleasant experience. https://www.bucksfreepress.co.uk/news/24085471.gerrards-cross-pensioner-takes-nightmarish-private-parking/ I would urge anyone on this forum who supports the petition statement "We believe the private parking industry is trending toward anarchy and must be brought to order by re-launching the Government Code immediately" to sign and share it. 168 signings at 4pm today https://petition.parliament.uk/petitions/660922 If the gov new parking code is not launched before parliament dissolves (for the general election) then the legislation is at great risk of being shelved. And we'll be stuck with ATAs new joint code which does not address motorists issues such as a cap on parking charges, debt recovery or an independent appeal process.  https://www.parliament.uk/site-information/glossary/wash-up/
    • It was mostly taken from credit within the account left over from excess direct debits over the past year. 
    • not looking very hopeful then... there is usually an account comms or manual intervention notes where call  operators have typed notes.... not in the SAR? dx    
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Firstplus PPI claim


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Awe, I was learning a lot from this thread......will keep my eye on it. What a brain you have IMS...

 

Gemspan x

 

hehe...thanks....it does get a bit addled at times though.

 

Just slap me if you see me talking nonsense!

 

ims

 

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Ok, found em.....

 

There's a settlement quotation that Firstplus sent me at the time, plus a redemption quotation that was in the paperwork that I got as a result of the subject access search.

 

I've attached them both, although they pretty much say the same thing.

 

Obviously, there's no PPI rebate as there wasn't any PPI on the loan.

Redemption quote loan 30001.pdf

Settlement quotation loan 30001.pdf

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Hi

 

We have now established that 2.15% of loan 2 ws for the loan 1 ppi and that 19.67% of loan 2 ws the loan 2 ppi.

 

The settlement figure for loan 2 was £54,394.67 and 2.15% of that is £1,169.48. This was rolled into loan 3 since loan3 refinanced loan 2.

 

19.67% of the settlement balance was the balance on the ppi part of the loan and 19.67% is £10,805.64. Now it appears from the settlement sheet that only £796.62 was rebated for the ppi so the difference between £10,805.64 and £796.62 was rolled into loan 3 i.e. £10,009.02. Loan 3 total was £90,000 (No PPI in this loan) so of the £90k, £1,169.48 is ppi from loan 1 and this is 1.3% of loan 3. Then the loan 2 ppi rolled over is 11.12% of loan 3.

 

So for every repayment you made on loan 3, 1.3% of it was for loan 1 ppi and 11.12% of it was for loan 2 ppi. List these payments in your spreadsheet for however many payments you made.

 

Loan 3 was paid off in Oct 2007 and the settlement figure was £90,039.64. 1.3% of this was for loan 1 ppi (£1,170.51) and 11.12% of it wa for loan 2 ppi (£10,012.40)

 

These two figures are the last ones to go in your spreadsheet list.

 

When finished you will have your claim amount as per the spreadsheet.

 

One point to note is that it is odd that they should only rebate £796 on loan 2 ppi and the workings we have been through assume that this is the case. However, it will be interesting to see what they might say about rebates when your claim is considered.

 

ims

 

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Ok, many thanks for that..!! I'm working today & tomorrow, so it'll probably be the weekend before I get the chance to work on the spreadsheets. Is it ok to get back to you if I have any problems? Do you think that I need to explain how I worked the claim out in a covering letter (ie.2.15 % of loan 2 is for loan 1 ppi & 19.67% is for loan 2 ppi etc) or do you think the calculations speak for themselves? I also think that the small rebate loan 2 ppi rebate is a little odd. I may be getting ahead of myself here, but any advice as to what I should do if they simply refuse to pay out? Perhaps I should worry about that if/when it happens. Thanks again..!!

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Hi

 

OK no rush....of course you can come back to us...just ask away....that's what we're here for.

 

You don't need to go into detail with them...the spreadsheet and questionnaire shows them that you have done a bit of research and that you know what you're on about.

 

I agree about the small rebate on loan 2...does seem odd but then again that's what the paper says and that is all we have to go on at the moment. That will all come out in the wash.

 

If they refuse to uphold your complaint then its off to fos or court but cross the bridges as you come to them. Lets not worry about things that haven't happened yet.

 

Regards

 

ims

 

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Once again IMS, I applaud you for your work. I'm sure rgale40 is very appreciative....I couldnt have worked that out.....lol

 

Good luck rgale40. Looks like you've been ripped off good and proper. I wish you all the best with your claim. Now just got to get mine sorted....

 

Gemspan x

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Yes indeed - no way could I have done all that on my own.......in particular I'd never have thought of the PPI rollover..!! I'm aiming to get the paperwork sorted over the weekend, and the claim in the post early next week. Watch this space..!!

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  • 4 weeks later...

Good afternoon.

 

I hope you had a good Christmas, and a belated Happy New Year to you.!!

 

I've only just got access to a PC with Excel, so I've just been able to complete the spread sheets.

 

Any chance that you could have a quick look at them before I send them off just to make sure they're ok?

 

Many thanks.

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Sorry to be a pain - just wondering if you'd had a chance to look at the spreadsheets yet?

 

Oh I'm so sorry....this slipped through. I will get a look at them tonight for you.

 

Apologies again :oops:

 

ims

 

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