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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Freedom Finance & Firstplus - PPI misselling **WON**


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Hi,

I am new this site and have been really impressed with the level of knowledge and advice provided, which has subsequently helped me to successfully claim back PPI from both Paragon Finance and Santander (Alliance & Leicester) :-D

 

I am now trying to make a claim against Firstplus for missold PPI, but have hit a sticking point, because the loan was brokered by Freedom Finance...despite all documentation (credit agreements and payments were made to Firstplus).

 

From my initial complaint - Firstplus are trying to push the complaint towards FF corner (who are now no longer)!

 

I contacted FOS to gain further advice, on who held legal responsibilty and they advised that advice given by Firstplus, was correct...

 

Anyway, to cut long story short...I would like to get further clarification on who should I be complaining to Firstplus or Freedom :???: and within the CCA is there a section, which I can quote to get Firstplus attention??? :-)

 

Thanks

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Thanks...I did quote this section in response to Firstplus!

In the interim I've sent off a SAR to Firstplus, because im unsure of date when I settled the loan, so require further ammo to fight firstplus with...Note I did suggest the customer relation exec who responded at firstplus to this section of the CCA! :-)

So I wait their response!!

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  • 2 months later...

A quick update on my claim to date:

 

Sent FP response quoting CCA 1974 s56...FP responsed broker no longer trading, so will forward your details on to FSCS (final response)...FSCS only deal with claims from 2005 onwards, my loan as dated 2002!

 

Anyway, fed up with FP avoidance & fob off tactics... sent email to CEO (Bob Diamond) raising my concerns re: FP shoddy approach to dealing with customer's ppi complaints (also sent FP a postal response the following day)...3 days later letter received from Customer Relations Manager from Barclays, who has been instructed to investigate my complaint & apologises for the treatment provided by FP to date...so I will see what happens now & I wait his response!

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  • 2 weeks later...

sri we had a troll

 

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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sri we had a troll

 

dx

 

Thanks dx100uk for the clarification, as I just read their response & i was really shocked about their comments to my post.

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Came home today and waiting for me was a letter from FP!

 

After further investigation they have decided to refund ppi attached to loan & have sent a cheque to cover the ppi, as a gesture of goodwill...

 

They haven't admitted liability for the mis-sale of policy & insistent this falls with FF..

 

I will of course bank the cheque, but wondered should I pursue for the interest, as on my soc?

 

Once cheques cleared, I will send a donation to this site, as the information & advice found in this forum has been valuable in my plight...

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diff to say as we dont know the figures

 

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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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

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

.

.

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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Hi

 

if that figure of £1,993 is just the premium on its own then I would be pressing for the interest as well.

 

After all, FP had interest off you over a period of time on this loan for the PPI didn't they and although they say it is a gesture of goodwill of they were certain they weren't responsible they wouldn't have coughed at all.

 

The name of the spreadsheet you should have used is "StatIntSheetV101.xls" and you should have listed each payment of the PPI part of the loan you made giving the date of payment and the amount.

 

ims

 

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Ok thats good

 

So if the figure you have as the payment is the relevant percentage of the total monthly repayment then I would be chasing them for the figure per the spreadsheet less the amount they have already paid you.

 

ims

 

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Okay...once cheque has cleared :-), I will construct a letter to chase on the remainder relating to the interest element from FP and email a copy of my correspondance to Bob Diamond...

 

Thanks again for all your help / advice & I will defo send a donation, once I've banked the cheque...

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Thanks

 

I hope this does boost other FP claimants to pursue their claims and not allow FP to fob them off or use delay tactics and just keep fighting...if all fails email CEO & complain about FP approach to delivering customer service / care to get a response! :-)

 

Will update again once I get a response...

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  • 4 months later...

Hi my name is Joe and reading this thread has given me a boost to claim for the mis sold ppi that was with my first plus secure load. I also got my loan from freedom in 2004 just before they joined the FOS i believe And have been told that I can not claim through the CMC because they now don't exist this was last year so I basically give up but reading this by the OP has given me a bit of hope. I have just contacted FP which I haven't done before directly about the PPI and they are sending out the forms with my account details on so they can be passed on to a third party and they will decide who is responsible for the PPI claim. I tried to throw the consumer act section 56 at the guy but wasn't really getting any where :( How do you guys think I should approach this just a wary were to start? Thanks in advance. Just be more info loan was paid off in 2006.

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Hi my name is Joe and reading this thread has given me a boost to claim for the mis sold ppi that was with my first plus secure load. I also got my loan from freedom in 2004 just before they joined the FOS i believe And have been told that I can not claim through the CMC because they now don't exist this was last year so I basically give up but reading this by the OP has given me a bit of hope. I have just contacted FP which I haven't done before directly about the PPI and they are sending out the forms with my account details on so they can be passed on to a third party and they will decide who is responsible for the PPI claim. I tried to throw the consumer act section 56 at the guy but wasn't really getting any where :( How do you guys think I should approach this just a wary were to start? Thanks in advance. Just be more info loan was paid off in 2006.

 

joey welcome

 

can you please start a new thread

 

see 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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