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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Bank rejects PPI claim, details sent to FOS


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Hi,

 

I'm new on here, hope you can help :-D

 

Some weeks ago I posted my PPI reclaim documents to my bank (NatWest) and a few days later I received a text message from RBS saying,

 

"Thank you for letting us know about your concerns regarding your PPI policy. We will acknowledge receiept in writing within the next 5 working days."

 

This was about 5 weeks ago, since then I've heard nothing. Not received any written acknowledgement, email or any other texts. Is this normal?

What should I do now? It seems from the text I received that they have got my documents but since then nothing has been actioned. Should I give them more time or should I chase this up? (who do I speak to?)

 

Hope one of you guys could help me with this.

 

Thanks for your time.

 

Ginger.

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Hi

 

Having acknowledged receipt of your claim they have 8 weeks to investigate and give you a final decision.

 

I'd wait the 8 weeks they are allowed and if nothing has happened then you put the screws on.

 

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Hi,

 

Many thanks for your reply.

 

OK, yes, I'll wait the eight weeks for an answer back from them but do you think that as I haven't received any written confirmation from them that's it's a sign that they are not willing to take my complaint any further?

 

Thanks again,

 

Ginger.

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  • 2 weeks later...

Hi,

 

It has now been 6 weeks since I received a text from RBS (7 weeks since I actually sent my documentation) to say they have received my claim for PPI. The text said that I would hear again from them within 5 working days with written acknowledgement of the receipt. I have not had any confirmation from the bank since I received that text.

 

 

  • Why did I receive a text from RBS when it is actually Natwest that I am claiming back PPI from?

 

  • Should I contact the bank to advise that I have not received written confirmation from them?

 

  • As they have 8 weeks to reply, should I just sit-it-out until the 8 weeks are up?

Any help with this is greatly appreciated.

Regards,

Chris.

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RBS owns natwest.

 

If they have 8 weeks to reply, then wait for those 8 weeks to be up. Then consider further action.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

It's been about 8 weeks since I completed my PPI forms and sent these away (recorded delivery). A few days later I did receive a text to say that my forms had been received and that I would get a written receipt of acknowledgement (I never got any written receipt).

 

As I have not heard anything from the bank with regards my PPI reclaim enquiry what course of action do I take now? It seems very strange that hey would send me a text to say they had the form but then take no action over it.

 

As always, any help is greatly appreciated.

 

Regards,

 

Chris.

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Hi ims21

 

Thanks for your reply.

 

Just a bit of an update: Today I receive a written acknowledgement of my claim for my PPI but get this, the date on the letter is August 9th!

 

Sheesh! :-x

 

I may still send them a letter outlining the fact that their time is just about up!

 

Cheers again,

 

Chris.

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Hi Chris, they were like this with my SAR request until I reported them to ICO now they have miraculously found all my data including agreements, They have also sent me the same text but they still have a few weeks left. I'd definately follow the advice of sending a reminder letter and if you do report them to FOS send them another letter telling them you have. This is what i did with ICO and they acted upon it before ICO even had chance to contact them. I've found that with these companies if they realise you don't make idle threats they are more likely to take you a little more seriously. Good luck with your claim :-)

Lisa

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Hi Lisa,

 

Thanks for your reply.

 

I have amended my letter of complaint to include information on the letter of the acknowledgement that I only received yesterday (that is dated 09/08/2012).

As they have a week until their allotted 8 week resolution period is up, I might wait until the end of this week until I send my complaint letter to them and to FOS.

I'll keep you posted...

 

Thanks for your help again :-D

 

Chris.

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Hi,

 

Update.

 

Having only received their written acknowledgement on Saturday of the documents I sent to them 7weeks ago(!) I today received the banks decision.

 

No. They have decided not to uphold my concerns about the way PPI was sold to me.

They sent me a whole load of photocopied documents from the time I took out the policy (what I signed and ticked for at the time) along with a dossier containing - my concerns, their investigation, the mortgage offer, specific complaint points, their decision and what I can do next.

 

 

Essentially, what they are saying is that I made an informed decision to proceed with the insurance on the remortgage and I knew what I was signing for.

 

Ah well, looks like 'I'm bang to rights' eh? Don't think it would be worth taking to the FOS as it looks like the evidence is heavily stacked against me.

 

Anyways, good luck to everyone else, thanks for all your help with my case.

 

Regards,

 

Chris.

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Hi ims21,

 

I was strongly advised to go for the protection and I really thought that it was something that came with the remortgage. It was sold to me like it was a condition of the loan.

In reality, I know it's my word against theirs and that's why it seems pointless to fight for something that I have no chance of getting.

 

Cheers,

 

Chris.

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Well if it were me I wouldn't give up at the first hurdle.

 

You have nothing to lose by passing it to fos and maybe give them some more reasons why you felt your were mis-sold.

 

In the PPI stickies there is a thread called "some notes for claimants"....have a read and see if any other mis-selling reasons apply to you.

 

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Hi,

 

My claim for PPI was recently rejected by the bank and so I have since sent all of the documentation to the FOS for them to investigate. How long would it usually take for the FOS to investigate my claim? are we talking another eight weeks? (or longer)

 

Have banks now changed their tactics with regards PPI claims? I have heard rumour that the banks are making it more difficult for customers to re-claim PPI or take their cases further (FOS).

 

When I received my rejection letter from the bank, it also came with a whole load of documentation (photocopied documents from when I originally took out the loan displaying where and what I had signed for). Also in there was a very detailed description of why they think I am in the wrong and why the bank is right not to pay back PPI.

 

I found all this information a bit overwhelming and (in my mind) It gave me the impression that I was getting a 'slap on the wrist' for even considering asking for my PPI back.

Even though I am still under the impression that I am in the wrong (thanks to the banks response) a friend encouraged me to pass the details onto the FOS.

 

Thanks for listening.

 

Regards,

 

Chris.

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The bank will use whatever words they can find to put you off. They know they are in the wrong, but their business is to put people like you off to save themselves money.

 

Sadly, it looks like they are winning as you look like you are giving up.

 

If PPI has been misssold then it is indeed your money they are talking about.

 

How would you feel if someone at the cashpoint whipped in front of you and pulled your cash out of the slot? Would you be listening to "weasel words" then?

 

No. And neither should you be listening to "weasel words" now. It is your money. Go and get it back.

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The bank will use whatever words they can find to put you off. They know they are in the wrong, but their business is to put people like you off to save themselves money.

 

Sadly, it looks like they are winning as you look like you are giving up.

 

If PPI has been misssold then it is indeed your money they are talking about.

 

How would you feel if someone at the cashpoint whipped in front of you and pulled your cash out of the slot? Would you be listening to "weasel words" then?

 

No. And neither should you be listening to "weasel words" now. It is your money. Go and get it back.

 

Yes agreed.

 

Which bank?

 

What were your reasons for the mis-sale?

 

Have you challenged the bank yourself?

 

Fos may take an age so could be worth you keeping at the bank yourself.

 

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  • 4 weeks later...

4 threads merged on same claim

 

please keep to one thread

 

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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