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    • Hi All    Hoping for some advice if possible.  I will try to be as concise as I can so I will bullet point, hope this doesn't seem rude.    My Ford Focus 2.0 TDI Powershift 83k miles   *had a major service and an automatic gearbox oil change on Friday 4th October    * Saturday 5th October - had been out in-car driven 30-mile round trip with about 10 hours in between, when I got home the radio and dashboard wouldn't turn off as it usually does when you switch the ignition off and open the driver's door. Tried to switch the radio off manually no joy, after about half an hour it just went off on its own. Didn't think much more of it.   * All was well, travelled to work and back on Monday and Tuesday a 20-mile round trip each day   * Wednesday on the way home started the car and it made a funny noise so I tried to turn it off and it took me several attempts to switch it off.    I left it a couple of mins and switched it back on and all seemed well again. After about five mins of driving it came up with hill start assist unavailable, so I thought I would take it back to where it had been serviced. After about another 10 mins it went into limp home mode and came up with a message saying transmission not fully operating (or something like that).    * AA came out and plugged the computer in said that it was bringing up a fault on pretty much every system in the car but when he tried to get into the in-depth diagnostics it kept kicking him out.   The transmission message cleared and the aa offered to follow me to the garage which they did, the car drove ok again for about 15 mins then went back into limp home mode.    * Car has been at the garage since close of business Wednesday, I have rung for an update each day to be told there was nothing until today when I expressed a bit of frustration at this was rang back and told it is probably something to do with the clutch but not sure yet.   * Apparently they have a gearbox specialist in for a 2nd opinion today and should be able to get back to me tomorrow.    So my questions are:   1. Could a fault with the clutch cause all of the above problems? 2. If it is the clutch is it likely to do with the service/gearbox oil change as it was running PERFECTLY before this, I only had the gearbox oil change because I was advised to. As an aside I had to have a new gearbox put in while the car was under warranty as it malfunctioned.    I am honestly grateful for any advice, as I'm just feeling really fed up at this point and the garage are giving me the least possible info they can give me.    Thanks :-) 
    • Hi,   My friend was being bullied by a manager who kept saying that anonymous people were complaining about her, she is asian and the minority where she works, she raised concerns in her meeting that she felt it had something to do with her race and gets treated differently to the rest of her colleagues due to off the cuff comments previously made and was told by her manager that as a minority she has to prove herself more as a minority in life and thats unfortunately the way it is. Following on from this they’re were more anonymous complaints all revolving around her attitude when speaking to the anonymous individual(s), she then had a meeting with hr initiated by her managwe and expressed her concerns, no outcome was given as the hr person said it was informal and a week later she has been told that she is being made redundant, my question is there were no specific incidents mentioned and my friend is still confused exactly how this came about but suspects it’s her manager who has taken a disliking to her, is this lawful?
    • Thanks for advice . I have spoken to the ICO , and their opinion is that there “may “ be cause for complaint . In the first instance I should write to the hospital (CEO)citing GDPR, giving them 30 days to respond . If the response is not to my satisfaction , then back to the ICO to raise a formal complaint . The ICO also suggested copying in the GMC with the complaint , I feel at present that is one step too far , perhaps I will sit on that until I get a reply from the hospital.
    • Thanks ethel and stu007   Yes, we had the kerb double dropped so me and my partner can park off the road. Before , just had one, and idiot would park in middle of properties so couldn't fit two cars on road outside. Has been issued a good 3 or 4 PCNs for obstructing since done. Its the back of the car, sometimes as far as a wheel but has a long boot/bumper which hangs over, so its not fully over. Recently seems to be as far as can without getting a ticket.   CCTV - shall read up thanks. Oh also, when I say 5 CCTV, that is 4 on property (100% out of boundary) and 1 in car which is lit up all night.   Does this count as harassment? The initial start of this thread, about 6 threatening letters asking me to pay for vehicle damage or court (nothing came of this) The constant parking annoyance (going on a couple of years) The loud music, witnessed by Env heath officer but not quite loud enough for notice, so letters sent. Paint 'accidentally' spilled on road outside my property (because was parked over our drive at time) Letters about rubbish outside my own garage at rear of properties and the 4 screws attaching bamboo to his fence. Then reported me for fly tipping, didnt go anywhere as officer agreed wasn't causing an issue. I have since sorted the screws and bamboo and idiots fence is literally falling apart. Concreting over 1/4 of my grass in rear lane whilst doing own part. Stupid things like having a BBQ and the parasol sticking way over the fence into my garden. All very subtle and annoying things to cause issues, without quite breaking the law.   The council are aware and claim powerless as own properties and the police pretty much are not interested.   What can be done?    Cheers   E!              
    • Hi, any thoughts on this would be greatful, will send tomorrow i think.. letter_15th_oct.pdf
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I have all documents from past bank charges ie account numbers etc but not sure if i did pay PPI on them so were do i start would appreciate anyones help as i would like to try and do this myself rather than use a company..

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and lose +30%

 

so what have you got

 

all the agreements and statements?

 

 

what are they loans/cards etc

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thank you for your reply.

I totally agree shocking costs

I have all the acc numbers for loans cards and morgages along with all the paper work that was sent to me a few years ago for my bank charges.Not sure if they have ppi on tho.so i will go into the loft and bring them all down it may take hrs to scan threw them all.

i have a car agreement but can not see any ppi on that one so far?

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dont for get life/asu/gap/etc can be lumped in 'as' PPI.

 

the agreement skould make it obv when you find them

 

statements like credit cards wil have it every month.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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oh gosh this is hard

 

ive sat all day going threw what i have from banks from the charges last year.

 

ive found a couple which is obviouse but the morgages are hard to see if there was ppi?

 

One says monthly for payment insurance ? is that one?

 

i have a morgage advance which states halifa GEFi ? not sure what that is ?

 

mbna loan says payment protection... 1 FULL then says nothing after ie cost?

 

How can i find out if there was ppi on these ive found?

 

Can i send a letter to ask them of a breakdown of all the PPI on these accounts?

 

thank you

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if you cant spot things

you either need to do some reading up on other peoples threads

for the same creditor

 

or scan up what you are having problems understanding

 

sounds like its on MBNA [look t the statements each month]

 

unsure on the mortgage

 

did you have building s ins or life cover with them

 

dx

 

 

how to scan up:

 

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!!

'

BUT......

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

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

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

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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yes had buildings ann life insurance with my morgages ? why is it in there also? i feel im still struggling may have to get a company

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this is so frustrating not been able to get any further forward pc wont let me upload any files for help :(

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They call PPI different things. It can be called things like "insurance premium" as well as "payment protection insurance". Monthly interest payments are called "debt purchases".

 

Important things: get a copy of the original contract agreement - that will show if you were signed up for PPI automatically (pre-filled check box, or opt-out box, or just a signed here and here). If you didn't need PPI (self employed, unemployed, company sickness benefits) that works in your favor.

 

Use the Data Protection Subject Access Requests to get copies of all bank statements as far back as you want to go. Sometimes they will print out the documents double sided, so that makes reading through a bit tricky. That will give you the PPI charges for each month. You can use these to fill in spreadsheet forms available from this site which automatically calculate the total PPI and 8% interest that has accumulated on each account. There's a template form for sending a request. Use recorded or next-day delivery to get a log of when the document was received. The financial group has a 40-day time limit to respond. Having the details from all the bank statements will let you

know the total PPI refund you should receive.

 

Send a formal request to the relevant banks for a PPI refund. They might accept your claim, but then again they might refuse and send you a "final response" letter. This is needed for a complaint to the Financial Ombudsman. You'll need to use recorded delivery or next day delivery in order to log the dates the request was sent.

 

You then use these to send a complaint to the Financial Ombudsman. They'll need your request, the final response, your bank account details, the total PPI due along with any other costs (eg. PPI caused you to miss a payment and have a mortgage foreclosed).

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