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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
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    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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LLoyds PPI and Bank Charges REclaim help


Mr Worried
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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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  • 6 months later...
  • Replies 99
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Hi All

 

Just a quickie on behalf of a friend......OK initially I told him to register on here but he never did, then I advise him to send letter re ppi claim blah blah, instead he called them and over 3 days and 4 telephone calls they have deemed that the info he gave them from questions answered justifys their decision to inform him that he has 'no claim' although he has paid ppi etc.

 

Standard letter by return post/ or something meatier?

 

Cheers

 

Mr a little more chilled these days since the repo, a short while ago.

Regards..Mr Worried :)

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always do say that

 

prob says

 

we think the process was correct

 

they weren't there at the time

 

how can they speculate it was correct

 

call their bluff.

 

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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not sar

 

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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that came out wrong

 

you need to send the SAR

 

CCA will not give all the history.

 

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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yep but for a fee & +30% of your reclaim too

 

oh and 20% VAT!!

 

easy to do it yourself

 

info 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... 

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prob them saying we were not regulated by 'whatever' then

 

so we can get away with it.

 

can you get a scan of the letter please

 

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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prob them saying we were not regulated by 'whatever' then

 

so we can get away with it.

 

can you get a scan of the letter please

 

dx

 

I will ask the question, should be ok tho.

 

Mr

Regards..Mr Worried :)

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  • 2 months later...

Hi All

 

An update, mate has got a letter from TSB stating bogg off and go to ombudsman, they never sent for sar either as did not want to waste the money?

 

Is it still the sar or straight to ombudsman? if its the sar then is that not limiting the timescale for ombudsman complaint?

 

Mr

Regards..Mr Worried :)

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no

 

you need to counter the fob off letter.

 

prob just says our processes were perfect

the FSA rules go against using such 'mere speculation'

 

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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no

 

you need to counter the fob off letter.

 

prob just says our processes were perfect

the FSA rules go against using such 'mere speculation'

 

dx

 

And thats all it is 'Mere Speculation ' so a straight sar then?

 

Mr

Regards..Mr Worried :)

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i would collate any info

before we chose the route to attack

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422

 

Might be useful

 

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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  • 2 weeks later...

Update from TSB

 

Dear mr Bloggs

 

Thank you for bringing this to our attention blah blah.

 

Further to your telephone call of Nov 2012 in which you rejected our decision not to uphold your ppi complaint I have considered your complaint in light of other info provided.

 

On considering this information I do not beleive it introduces anything that changes the original decision and I am still unable to agree that the policy was mis-sold.I therfore do not agree that you have demonstrated that there was a problem with the sale of our policy.

 

As such I am still unable to agree that your complaint should be upheld.

 

When we issued our original decision we advised you of your right to refer your concerns to the FOS. and you have 6 month from date blah blah to do so.

 

Yours Sincerley

 

Cheryl Castalado.

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

 

Wadya recon

Regards..Mr Worried :)

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As we are not seeing the letters that your pal has been sending to back up his claim, then we cant really comment on the responses from LTSB.

 

For instance.. the first sentence of the letter you have copied above states..

 

"Thank you for bringing this to our attention".

 

What was brought to their attention ?

 

I think your friend was very shortsighted in not sending the SAR off - that would have almost certainly provided all the information to assist the claim if you are concerned about the time scales with the Ombudsman then you should probably now try that route, but make sure the complaint is sound before submitting it.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lloyds TSB are one of the worst, from personal experience when you complain they do not answer questions properly. I took a relatives claim straight from their pathetic answer to the FOS and the FOS found in my relatives favour....just go straight to the FOS from here. If they had half a brain they would pay up to avoid the £450 the FOS will charge them. In my relatives case they just offered PPI without carrying out any kind of needs assessment whatsoever, and when quizzed about that particular point in my initial request they just ignored the point completely...

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Lloyds TSB are one of the worst, from personal experience when you complain they do not answer questions properly. I took a relatives claim straight from their pathetic answer to the FOS and the FOS found in my relatives favour....just go straight to the FOS from here. If they had half a brain they would pay up to avoid the £450 the FOS will charge them. In my relatives case they just offered PPI without carrying out any kind of needs assessment whatsoever, and when quizzed about that particular point in my initial request they just ignored the point completely...

 

Hi 42

 

It seems like they swerve simple questions and answer what they want, I sent for the sar and they are obviously aware of that as they have called my mate 3 times since the request, yet they had not bothered him before, the latest letter from them to him is probably bourne from the sar request. I will update here later with all TSB comms.

Regards..Mr Worried :)

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the trick with lloyds is NEVER EVER allow a 'phishing' phonecall

 

they ask you loaded questions to enable them to wriggle

 

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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  • 5 months later...

Same crap different day, My mate sent a cca, then sar to Lloyds re his loan etc, over 3 month later and still no response? where now for him.

 

I have another mate who wants to make a claim to tsb, ppi etc re his 3 loans, is it still the norm cca 1st then sar or straight to the sar outlining that he wishes to make a claim for ppi ?

 

Mr unsure

Regards..Mr Worried :)

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