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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  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; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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Natwest Credit Card / Loan PPI **WON £14k**


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Hi all,

 

Following on from my recent success with reclaiming my PPI from HFC Bank I have decided to pursue Natwest Bank for PPI on a loan and Credit Card.

 

Whilst I was waiting for my HFC complaint to be processed

 

I sent a SAR to Natwest for all information possible.

 

They were fairly swift to reply with Credit Card information,

with statements going back six years (as expected!)

My Loan information took a little longer but arrived this week.

 

I was horrified to see I had a chain of six loans with Natwest,

all consolidations of previous ones and the first five all had single premium, front loaded PPI!

 

This was cancelled during the end of my fifth loan following a review of my finances

and the realisation of how much it was costing me.

 

These loans were all taken out / topped up when I was much younger and much more naieve!!

 

I have now sent off two complaints to Natwest regarding the loans and the credit card PPI.

 

Will keep fingers crossed and keep this updated on progress.

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nice rollover coming.

 

you need to do a spread though

else you'll never know if their refund is actually correct

 

see no.1. 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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Hi dx,

 

Yes hopefully will be a nice rollover coming! Have specifically requested in my compliant letter that they take into account they were all a chain of consolidation loans with single premium and requested detailed breakdown if upheld including rebate amounts and any rollover from one to the next.

 

Unfortunately I'm unable to do a spread sheet at the moment as they have only provided me with a loan overview with amounts, acc numbers and insurance premium amounts. In the covering letter they state that they are unable to locate my original credit agreements. But at least they have admitted ppi was applied.

 

Whilst my complaint is being processed would it be wise to send them a failed sar letter to try to obtain the missing agreements. I would like to be in possession of all the facts and figures, to enable me to compile an accurate spready.

 

What are everyone's thoughts?

 

Ginge

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do you know the terms or dates of each loan

 

scan up what you know

 

lets see

 

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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I know the dates and amounts of credit and ppi but no interest figures. I can just about about remember the prob terms each loan was over. So I could work out an approx ppi payment each month but not including interest.

 

Ill scan up the loan info they sent me when I get to work tomorrow and go from there.

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Hi Dx

 

You should find below the only information on my loans that Natwest have currently provided me with. Statement only, and i'm assuming the amounts shown do not included any interest.

 

Your thoughts appreciated

 

Ginge

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well if you knew WHAT you paid PCM for each loan

[even one payment] then you'll be able to workout the PPIPCM.

 

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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Did you complain about the SAR not being complete?

 

The reason I ask is because RBS/Natwest have been known to keep details for a lot longer than 6 years. They have account details going back to the early 90s (according to their PPI department and verbally from their SAR team), despite them not yet providing it under a SAR for me.

 

If your credit card is older than 6 years, then it could help you work out if whatever they offer (if they uphold) is a fair offer or what they think they can get away with based on the last 6 years.

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Hi Dx, I can remember some of the amounts but not all. I may ask in the branch for current account statements covering a sample month in each loan period just to get an idea of what i was paying each month.

 

I was thoughly disappointed that they were unable to supply / locate my original loan agreements and will consider following this up with a failed SAR letter.

 

Yes Dazza, its interesting that they have been proved to keep info that long, especially considering i have banked with them for over 20 years. In my credit card PPI covering letter I included:

 

"I appreciate that there are 21 months of statementsmissing from the records (March 2005 until December 2006). As these have notbeen included in my SAR request documentation and you are satisfied that you nolonger hold these records (either archived or on micro-fiche etc) and I no longerhave records dating back that far, that a reasonable assumption is made for the21 unknown months of PPI payments from the statements and amounts that areknown"

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I am going through the same scenario with NatWest/RBS. Three consolidated loans - all PPI refunded. Credit card rejected PPI claim even though the cc and one loan were arranged at the same time with the same adviser.

 

My SAR took over 4 months to be fulfilled BUT it did include bank statements back to 1998 - so they do keep records that far back. Credit card statements only went back 6 years though.

 

Keep at them and good luck.

 

 

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I am going through the same scenario with NatWest/RBS. Three consolidated loans - all PPI refunded. Credit card rejected PPI claim even though the cc and one loan were arranged at the same time with the same adviser.

 

My SAR took over 4 months to be fulfilled BUT it did include bank statements back to 1998 - so they do keep records that far back. Credit card statements only went back 6 years though.

 

Keep at them and good luck.

 

Yes I will keep at them! I really would like the original credit agreements to enable my own calculations / spreadsheet.

 

Think ill give them until the end of this week and then continue with a failed sar letter.

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Well here is a turn up, was going to post my lba to Natwest today following my incomplete SAR, with one thing and another I didn't get to the Post Office. Got home tonight to find another Natwest envelope on the door mat, containing statements for all seven of my loans, including the first five with PPI.

 

I was completely shocked once I had worked out how much these loans have cost me over the past nine years!!!!!!

 

Now a question for IMS, the calculation guru! Please see attachment below:

 

Now that I have some basic loan information, loan amounts including PPI and interest, term of loan, monthly repayments, loan rebates and early repayments figures, Is it possible to reverse calculate the loan to separate out the PPI and PPI interest amounts from the total amounts known?

 

Then i could accurately calculate the PPI I have actually paid??

 

Also as an aside, the statement for my last loan with PPI (Loan five in the chain of seven) contains details of an Insurance Interest and an Insurance Rebate. I may have cancelled the PPI on this loan (but I do not remember doing so) so this would explain the rebate. However the following four repayments after this are for the same monthly repayment? I guess following a cancellation then they may have reduced the term rather than the monthly repayment figure?

 

Any thoughts guys n girls?

 

Ginge

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Ok so you can now indeed work out what the position should be.

 

The easiest way to do this is concentrate on one loan at a time, starting with the earliest one.

 

You will need this spreadsheet

 

StatIntSheet v101.xls

 

Loan 1 was for a total of £4692, the PPI premium being £692. PPI is therefore 14.75% of the total (given by 692/4692 x 100). Your monthly repayment was £162.39 so 14.75% of that is for the PPI which is £23.95 per month.

 

In the spreadsheet, list the amounts of £23.95 for every repayment you actually made.

 

The settlement figure for this loan was £3907.58 and 14.75% of that was the PPI part of the loan (assuming no PPI rebate was given) which equals £576.37. This is the amount of PPI rolled into loan 2.

 

Loan 2 was for £12419 of which PPI was £2419. Loan 2 PPI was therefore 19.48% of the total. We also have £576.37 rolled from loan 1 and that represents a further 4.64% of loan 2 (given by 576.37/12419 x 100).

 

Your monthly repayment for loan 2 was £244.34. 19.48% of that is £47.60. List those amounts for each payment you actually made for loan 2. In addition, 4.64% of £244.34 is £11.34 and this is the amount of loan 1 PPI being paid via loan 2. List those amounts as well for each repayment you actually made.

 

Using these principles you should be able to work out the rollovers from loan 2 to 3, 3 to 4 and 4 to 5 bearing in mind that each loan will have PPI from all previous loans wrapped up in it as a percentage of the total loan.

 

If or when you get stuck...shout here.

 

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Hi IMS

 

Thanks for your reply. Will get busy with the calculator later!

 

The example of the first loan (total =£4692 ppi and loan amount) does not include the loan and ppi interest. As I have now worked out the total interest for each loan is there any way of separating the total interest into loan interest and ppi interest without knowing the apr figures for each loan?

 

I feel this would make my calculations more accurate.

 

Or am I just trying to complicate things and would a general, approximate calculation of ppi less interest be sufficient in giving me a ball park figure of what I have paid?

 

Ginge.

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The monthly repayment you make includes both capital and interest. So if you apply the percentage to that monthly repayment you will be accounting for the contractual interest paid on the PPI part of the loan automatically.

 

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The monthly repayment you make includes both capital and interest. So if you apply the percentage to that monthly repayment you will be accounting for the contractual interest paid on the PPI part of the loan automatically.

 

That's great. Will begin to work that out tonight.

 

Thanks again for your helpful advice.

 

Ginge

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Well,

 

I've sat down tonight and done a spreadsheet with my roll over figures based on me getting no rebate at all each time the loan was refinanced.

 

I also included a rollover onto loan six which was the first with no actually ppi but would have had rollover from the previous five loans which did have ppi.

 

If I'm correct then it could be tidy windfall!

 

Lets see what Natwest say.......

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  • 1 month later...

Hi all, quick update on the Natwest story, their 8 weeks is up on Monday and I came home today (7 weeks and 5 days since the complaint sent in) to find they have upheld my loan complaint and have sent me an offer :smile: ( Letter attached)

 

Just a few questions to set my mind at rest before I consider accepting.

 

1 - The offer letter states "as a gesture of goodwill and without any admission of liability" Now as they have had my complaint for almost their full allowed 8 weeks I would hope that they have correctly investigated and calculated their offer accordingly. However does the above statement agree with this or have they just tried the "here is some money now go away"?

 

2 - I would like to ask them for a full and detailed breakdown of how they arrived at their offer figure. Am I correct in saying that I am entitled to ask for this and it should have no affect on this "goodwill" offer?

 

3 - This was a chain of 7 loans, the first 5 having single premium, front loaded PPI, the last two had no PPI and the final "top-up" is still running. My calculations show that the offer figure is around the amount that I should recieve if all PPI rebates were applied correctly when each loan was re-financed, and no PPI was "rolled over" into the next loan, I hope that their figures should explain and clarify that this was the case.

 

4 - As the final top-up loan is still running and being paid for am I correct in saying that the total refund of PPI Premiums and associated interest can be off-set against the current outstanding balance but the 8% interest (Net interest after tax has been taken) should be paid directly to me? Or can they offset the whole refund offer against my current loan balance?

 

Their offer was a pleasant surprise to get in the post today and it will almost clear the outstanding loan balance, meaning I can be very almost debt free for the first time in a long time! I just would like to check with those in the know that it is a fair offer before I commit to accepting as they have used the phrase "the basis that such an offer is accepted in full and final settlement of all or any claims for my loan accounts with NatWest Bank"

Still awaiting a letter regarding my Credit Card PPI Complaint which was posted to, and acknowledged by NatWest on the same day as this Loan one, fingers crossed for that one too!!

 

Thanks in advance, Ginge

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1, typical statement - means nowt.

2.yes you can

3. have you PROVED there WAS a ppi rebate by the statements?

4.you are correct, they cannot offset the 8% stat.

 

did we get to see your spread?

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 all,

 

Thanks to dx for your prompt reply to my last post.

 

I have spent the last couple of days going through all my SAR information and statements.

 

I have found I did indeed receive a PPI rebate each time the loan was refinanced (settled).

 

This figure equated to more than the Outstanding PPI balance at the time of each refinance

so one would assume that this was PPI rebate and an adjustment to the interest on each loan.

 

Also contained in the statement for the 5th loan was a considerable rebate for Insurance and Insurance Interest,

this ties into the date that I cancelled the PPI during the life of this loan,

so it seems that NatWest had taken this off the loan straight away.

 

All in I make my calcuations 12p different to their's so am satified everything has been calculated correctly.

 

On this basis I accepted their offer yesterday.

 

On an even better note, I returned home today to find NatWest's reply to my Credit Card PPI complaint awaiting me. :shock:

 

This has also been upheld, even though I (and NatWest by their own admission via SAR) only had the past 6 years statements,

they have correctly calculated an offer including average payments for the months unknown taken from the months that were known along with compound interest.

 

They have also included a refund of erroneous overlimit fees that were incurred during the time that PPI was applied to my card. :-)

 

Their offer letter will be accepted and posted back first thing tomorrow! :whoo:

 

Many thanks to everyone on this site who has assisted in this and kept me sane!

It just goes to show that anyone can reclaim their mis-sold PPI with some assistance and patience.

 

Thanks to this site I have now successfully reclaimed just short of 14,000 over the past 5 months.

Total cost to me?

Some time and around 40 in SAR and recorded postage costs.

 

Big donation coming once the funds have landed. :lol:

 

Ginge

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ginge that's amazing!! £14k

 

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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Wow, well done! Did they calculate your missing credit card statements using the average of the year following the missing statements or the average over the whole life of the card?

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