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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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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.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • 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.
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Wanting to claim back my PPI


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Hi

 

Although I have been a member for sometime, I am a total novice at actually acting/reclaiming anything so would be grateful if someone could hold my hand

and talk me through what I need to do.

 

My issues are these:

1. I took out a loan with HFC bank in 2004. I do not have any if the paperwork but do have an old credit report that clearly shows the date loan started'

the amount of the loan and repayments of said loan.

I know that there was PPI involved as when I settled the loan I was suprised at how little of the premium was refunded. How do I go about getting this information?

 

2) I have found paperwork relating to 2 Nat West loans, both with PPI on them. The first loan started in 2003 and I have a copy of the credit agreement with all the details. The second loan started in 2006 and part was used to repay the previous loan. This also had PPI on it. I have copies of bank statements back to 2005 showing loan payments. How do I go about reclaiming the PPI?

 

I was never asked in any of these instances if I actually needed the protection but was advised it was wise to take it out. I am in fact a public sector worker with good sick pay provision and would receive full pay for 6 months and half pay for another 3 months. I did claim on the PPI with Nat West when I was ill but the fact still remains that I did not actually need it in order to be able to make my repayments. I would be grateful for any help or advice you can give me

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Hi

 

Although I have been a member for sometime, I am a total novice at actually acting/reclaiming anything so would be grateful if someone could hold my hand and talk me through what I need to do. My issues are these:

1. I took out a loan with HFC bank in 2004. I do not have any if the paperwork but do have an old credit report that clearly shows the date loan started' the amount of the loan and repayments of said loan. I know that there was PPI involved as when I settled the loan I was suprised at how little of the premium was refunded. How do I go about getting this information?

 

If it were me I would SAR HFC....Template is in the CAG library, the link to which is at the top of every CAG page in green. Make sure you put in a paragraph to say that you want any and all agreements with them as well

 

2) I have found paperwork relating to 2 Nat West loans, both with PPI on them. The first loan started in 2003 and I have a copy of the credit agreement with all the details. The second loan started in 2006 and part was used to repay the previous loan. This also had PPI on it. I have copies of bank statements back to 2005 showing loan payments. How do I go about reclaiming the PPI?

 

Have you got the agreement for the second one? If you have then you are good to go on the Nat West claim. Have a read of No.1 in my signature and shout back here when you've had a read. We can then guide you through the process. You will need a fos consumer questionnaire which is available from the fos website

 

I was never asked in any of these instances if I actually needed the protection but was advised it was wise to take it out. I am in fact a public sector worker with good sick pay provision and would receive full pay for 6 months and half pay for another 3 months. I did claim on the PPI with Nat West when I was ill but the fact still remains that I did not actually need it in order to be able to make my repayments. I would be grateful for any help or advice you can give me

 

Hi

 

See my answers in red above

 

ims

 

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Hi

 

Thanks for the quick reply.

 

Yes I have the agreement for the second loan - it's a typed customer copy. I returned a similar copy to the bank at the time I took out the loan.

 

I have read the information in your signature. Very informative but I am still going to need your help as the second loan contained PPI rolled over from the first loan (I assume) and so it isn't so straightforward

 

Thanks in anticipation

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Ok

 

Take hold of the spreadsheet and list each payment of PPI made i.e. the monthly ppi figure shown on the agreement. Go as far as when the loan was settled by the second loan. Do you have the settlement figure for loan 1?

 

Also you will need to know the percentage of PPI relative to the total loan for loan 1. Add together the cash loan and the PPI loan to give the Total Loan. You then work out the PPI percentage using the formula

 

PPI Loan / Total Loan x 100.

 

Apply that percentage to the loan 1 settlement figure and make a note of it.

 

You had a rebate of PPI on loan 1 I think.....is that right?

 

ims

 

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Yes I think so. I can't really remember but I think I did

 

No record of what it might have been?

 

Maybe on the final statement from loan 1? I think you said you had statements.

 

Its not the end of the world of you haven't got it...it will just make our figures slightly out but we should be close enough.

 

ims

 

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Actually I am now very confused reading the information on paperwork for loan 2. I am sure somewhere in there is the information allowing us to work out what the rebate was on loan 1 but it's as clear as mud to me

 

I don't have access to a scanner to upload the document to see if you can make any sense of it.

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oh my favourite target..

 

lookout HFC incomingggggggggggggggggggggggggggggggggg

 

another fleeced customer getting their just rewards.

 

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

 

OK so you now have a list if the PPI payments made on loan 1.

 

Work out what percentage the PPI was to the total loan as described in post #6 above

 

Next you need to find out the settlement figure for loan 1. Apply the percentage to that settlement figure and you will have the amount of the PPI loan which was included in the settlement. This is the amount of PPI which was carried into loan 2.

 

Work out the percentage of this rollover figure relative to the total of loan 2. It is given by the formula "Rollover amount / Loan 2 Total Amount x 100".

 

This will give you the percentage of each repayment of loan 2 which relates to PPI from loan 1.

 

In the spreadsheet, list the actual PPI payments made on the loan 2 PPI (as you did with loan 1).

 

Then list the rollover amounts using the percentage figure.

 

When done you can convert your spreadie to a PDF and post it up for checking

 

ims

 

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Hi

 

These were large loans then given the size of the monthly payments towards PPI?

 

If you are happy that you have only included the proportions of the repayments that relate to PPI then the sheet is correct (when you amend the date format)

 

You need to then send this and a completed fos questionnaire to the lender with a brief covering letter requiring a refund. They will have 8 weeks to investigate and gove you a final decision before you can hand it over to fos.

 

ims

  • Confused 1

 

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Hi again

Just a quick question. When looking to determine the amount of PPI rolled over from loan 1 into loan 2, do I apply the percentage figure to total monthly repayment figure for loan 2 (loan repayment and PPI) or just the loan amount minus the PPI payment for loan 2?

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Hi

 

Total monthly payment figure.

 

You have calculated the rolled over amount relative to the total loan so the percentage relates to the total of the monthly repayment.

 

ims

 

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Many thanks one up to me. Husband said I was wrong and should be deducting the PPI element before making calculation.

Many thanks for your support. FOS questionairre filled in for loan one and I am now doing same for loan 2

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  • 1 month later...

Hi

Have heard from Nat West who are assessing my PPI claim so just waiting now. However I have not received any acknowledgement on my SAR request from either Nat West or HFC. It;s more than 40 days since I sent them the request. What do I do now?

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