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    • 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.
    • 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. 
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HELP Please, No account Numbers for old loans


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Should i also now change the date of Interest on all 3 calculations to today instead of 7 days ago?

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Should i tell Paragon i have changed the date of interest in my letter and that i will expect interest added up until the date they pay me? Or is that too pushy?

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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ok

 

Did you have a look at the attachment on #48 and the letter on #50.. Do they seem ok to send??

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Hi

 

I'd change the one in #48 as it reads that the only reason you are claiming is the fine they got.

 

I'd just say here's my papers (questionnaire and spreadsheet).

 

In addition I am aware of the fine etc etc.

 

ims

 

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ok to something more like.

 

Please find enclosed copies of questionnaires and interest calculations regarding a loan that we have had with your company in the past, with what we feel was miss sold Payment Protection Insurance. Please arrange for us to be reimbursed for our claims.

In addition I am aware of the fine your company was handed for the miss selling of PPI and I attach the report I have read

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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cool thanks... again will keep you updated of any responses i get.. Until next time..

 

:pray2:

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Ok both letters 1 more to Paragon and 1 to loans.co.uk were signed for this morning and POD has been printed and added to my file. Lets see what kind of response i get from Paragon this time. Also be interesting to see loans.co.uk response to my claim....:|

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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I have still not received any response from Black Horse - SAR sent 25/4/12. I know they still have 12 days to respond but i want to get my letter ready. As i do not have any account numbers how do i ask for the info again? This is my letter so far what needs adding?

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject accessrequestdated 25th April 2012.

 

If you do not comply within the next 7 days I shall seek a Court order obligingyou to do so together with damages at the discretion of the Court and withoutany further notice.

 

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Thanks ims, i have looked at it but it says to put your account number as the reference. I dont have any account numbers, thats my question

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Just give them the same info as you gave in the original SAR.

 

Account numbers are not needed to trace peoples data...they will be able to do it from full name and address(es) a data subject was living at

 

ims

 

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ok thanks

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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I have today received a response from Paragon:

 

As advised in our letter dated 15 May 2012. Paragon was not responsible for selling a payment protection policy to you. The broker was responsible for the sale of the loan, the sale of insurance was not regulated by the FSA and i suggest that you contact your local Citizens Advice Bureau directly, if you have not already done so.

 

I trust that this clarifies our position in this matter.

 

 

Not what i was hoping for.

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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So is my next step the fos?

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Hi

 

I would run it by fos first to see if they will take it on. Some lenders tell you that you can't go to fos when in fact you can.

 

Indeed I remember one instance where Barclays said this in writing to a member and fos were surprised that they had said that.

 

If not then the FLA may be able to help or indeed court is another option but with court the civil burden of proof, i.e. the balance of probability will be on you.

 

ims

 

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So do i just send all the info to the fos that i have sent to Paragon with a cover letter?

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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Got a response from HFC this morning saying i will have my SAR information within 40 days dated 29/5/2012. I sent the letter on 10/5/2012 is the 40 days from my date or theres? I have a phone number provided by them, shall i call and suggest its from when they signed for my SAR letter?

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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So you reckon a phone call or just wait and see? By the way, for anyone needing it in future the phone number they have given me is:

 

0870 240 0990 stated as the Customer Service Department.

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

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