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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Black Horse / lloyds TSB PPI Rejection


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Hi Guys,

 

My PPI claim has been rejected by Black Horse / Lloyds TSB. These are the reasons I said I was mis sold it.

 

I was told that this was required over the phone otherwise I wouldn’t be able to get the loan.

It was not explained to me properly.

I also was not asked if i had insurance elsewhere

 

Please see there response attached.

 

Any ideas on next stage?

 

Any help would be great thanks!

PPI Rejection.pdf

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a very long letter of waffle!!

 

tell them to prove 'not speculate'

that you were not told it was compulsory on the phone.

 

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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a very long letter of waffle!!

 

tell them to prove 'not speculate'

that you were not told it was compulsory on the phone.

 

dx

 

 

They do seem to have gone on a bit!! Not sure where to go next!

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post 2

 

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 levirocks,

your letter sounds very similar to the ones I received from BlackHorse who initially rejected my claims, for me it was a case of letter ping pong using their findings against them.

 

If you applied over the phone does that mean you received your agreement pre-filled and you just had to sign where indicated?

Did your agreement state the PPI was optional, show the overall cost of the PPI?

Were you told you could cancel the PPI?

Lloyds mentioned that you had no other means in place at the time to pay the loan, hence the PPI, did they have a Needs and Demands questionnaire?

 

They have made no mention of taking this to the FOS, someone correct me if I'm wrong but I thought if they were GISC members then the FOS can still investigate.

 

The best thing is don't give up at the first hurdle it's what Lloyds wants. :-)

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A SAR would probably be best, that would also give you the "information and evidence" Lloyds used in during the investigation.

 

The one page with the PPI figures on is that a copy of your credit agreement?

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add a line to the SAR

 

ths request is to include copies of any/all agreements with your compny.

 

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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Share on other sites

Sorry I am not very good at responding to letters. Does this sound any good?

 

 

Thank you for your letter regarding my complaint about being mis-sold your Payment Protection Insurance (PPI) Policy.

 

I intend to take this case to the Financial Ombudsman Service as I am unhappy with your decision.

 

I am awaiting details back from an SAR I have sent you which will give me more details to go the Financial Ombudsman Service with.

 

With regard to your replies I was NOT asked by your salesperson if I had adequate insurance cover through a separate income protection policy.

 

Also, When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

 

 

In forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.

 

I am requesting a full refund of all my insurance payments plus interest.

 

If I do not receive a favourable response from you within 14 days I will pursue this claim through the Financial Ombudsman.

 

Yours faithfully,

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i would also add:

 

'Unless you have an actual transcript or recording of the matter 'i feel it is unfair for your to introduce 'pure speculation'

on what might or might not have happened in a telephone conversation you were not a party too,.

 

Using mere referance to your guidelines at the time to justify your refusal that 'it did not happen'

'because' those were in place, is wrong and unfair.

 

i strongly believe there was a culture of commission based selling during this period.

 

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 months later...

Hi there guys

 

Just wondering if Levirocks has any update in this issue?

 

I too received pretty much the same letter from Lloyds TSB this morning as the OP did in the first post. I'm now drafting a letter of complaint at the decision made and wondering where I go from here? Would I be correct in saying this is a standard rejection response as our two letters are so similar ?

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start your own 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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