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    • Hello. I feel this may be considered to be a petty complaint on my part but would really appreciate views and insight please and I promise to wear my big girl pants and not take offence.  I have lived in my home since 1986. My neighbours moved in a year or two afterwards. In November 2013 I had solar panels installed optimised individually by solar edge and the panels are meant to be ' self cleaning'.  On Wednesday 21.8.19, my semi detached neighbours had a new TV aerial and a satellite dish fitted. It's near to my boundary wall,but clearly fitted on their own wall. I did not look out while his installer was working and did not know what had been done till I went to the front door to see what all the drilling was about then later to get washing in and saw the items on a flex pole. My issue, and this may be where you say I'm being petty, is that the  aerial is angled back and is over my airspace and sitting over my end solar panel. I went next door and told my neighbour my concern about birds sitting on the  aerial and guano issues as well as shading potential interns of the panel.  He said he'd ring the installer. Next morning, he is cleaning in his garden. I saw him and asked if he'd spoken to his installer. He said yes and the chap couldn't get back for 2 weeks.i asked if it could not be sooner, could the aerial not just be slightly moved when the discussion became heated. He said I had no rights to the space above my roof, I had to look at other aerials In the immediate area and he'd taken pictures and would do something if birds mucked Inthe panels and if it was him, he would have bought panels from a company who visited to clean them. I told him I fully appreciated the signal issue but asked could he not have the aerial on the chimney as I do and he told me not to be stupid as he had a dish as well and dishes cannot go on a chimney. I told him I was aware of this. He was by now shouting at me to listen and as I said, it became heated. He then said if I thought the air above my homeward mine I could sort the issue and he would cancel the installer call back. I rang his installer. My neighbours had not recontacted him. He asked if my concern was birds pooping on my panels  and the metal Ariel shadow would have no impact on panel generation and he would ring my neighbour. I am on my own and hate conflict and feel a little intimidated, but am also sure I've done nothing wrong. He told me it was my responsibility to have come out as the work was being done. So, please be frank, am I being petty? Should I just live with this ? I'm aware neighbour issues can escalate and have no desire for that, I just want the darned thing angling slightly away from my solar panel. My aeriels are the chimney ones...his is the new one at the front aspect. Thanks for reading this. 
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    • Thank you all for your input so far. I have now received a letter back from my CPR 31.14 stating 'CPR 31.14 is not relevant to small claims matter, pursuant to cpr 27.2......we are under no obligation to disclose the documentation at this stage.' I assume this response is expected?   I have reworded my defence and made it more succinct, I'm not sure what else I could add?   1. Due to the sparseness of the particulars, it is unclear as to what legal basis the claim is brought, whether for breach of contract, contractual liability, or trespass. However, it is denied that the Defendant, or any driver of the vehicle, entered into any contractual agreement with the Claimant, whether express, implied, or by conduct.   2. It is admitted that the Defendant was the registered keeper of the vehicle in question. However, the defendant has no liability as they are the Keeper of the vehicle, and the Private Parking Company has failed to comply with the strict provisions of PoFA 2012 to hold anyone other than the driver liable for the charges.   3. Signage at the site is not sufficient. A sign is present on the left hand side of the entrance, away from the driver, and therefore cannot be easily read by the driver of a passing vehicle. On closer inspection this sign states ’Refer to the full Terms & Conditions signs located throughout the car park’. Signs are located so that information is often obscured by other parked cars and is difficult to read. These signs state ‘Entry to or use of this privately operated and managed car park is subject to the current terms and conditions of vehicle control services ltd. Motorists/persons utilising this car park hereby accept in full the terms and conditions.’ Therefore, the driver is deemed to have agreed to the terms and conditions by having entered the car park before knowing what those terms and conditions are. The elements of offer, acceptance and consideration both ways have therefore not been satisfied and so no contract can exist.   4. 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 not with reference to the judgement 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    In summary, it is the Defendant's position that the claim discloses no cause of action, is without merit, and has no real prospect of success. Accordingly, the Court is invited to strike out the claim of its own initiative, using its case management powers pursuant to CPR 3.4. 
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Hi all,

 

After struggling for months to obtain amounts associated to six different PPI products with HSBC, I am after some advise.

 

The first thing is, do I treat each of these as individual claims, or can I combine as one claim for the total amount?

 

Thanks in advance.

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111 views and no input....is there a specific PPI forum or such like I should be asking this in?

 

Thanks,

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Thread moved to the PPI forum.

 

Were these loans or credit cards?

 

For loans that were refinanced by another loan, you can treat it as one claim and put all loans on one fos questionnaire.

 

Some more detail on these six products would be useful.


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Basically, HSBC have given me a big big run around for a number of months:

 

-I managed to obtain from them that there was a total of 6 PPI products on loans sold since 2001.

-From this I wrote several times requesting SAR, full transaction details of each account etc.

-They have failed to give an actual breakdown of each account

- But, I have just received a "summary", outlining the amount of PPI paid on the 6 loan products, they also returned my £10 fee!

 

Because of the lack of my own records, and information from HSBC themselves, I am unsure which of these have been refinanced etc. So really I should treat these as 6 separate claims?

 

Also, is there a limit in time that a claim can be made, e.g can a product from 2001 be claimed upon?

 

Thanks in advance.

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Ok so they sent your £10 back.

 

What did they say in the letter they sent when they gave you your £10 back?

 

Did your SAR request ALL data they held on you?

 

If you are unsure as to whether they have been refinanced then your only option is to start by treating them as separate claims.

 

There is no time limit as such for PPI claims.


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Thanks for your reply!

 

Apparently- "" the loan agreements and PPI related documentation are not held electronically or in a relevant manual filing system i.e in files referenced with my name or account details, and is therefore outside of the scope of data protection act 1998. ""

 

Not sure how much to read into that. I mean, for each account I have:

 

"PPI ammounting £xxx was added to the loan of £xxxx on xx/xx/xxxx. The loan term was xx months with an APR of x.x%.Please note that £xxx of PPi was refunded when the product was cancelled on xx/xx/xxxx".

 

So I have a summary of total PPI paid for each account, do I need anything else? I cant see that I do in terms of financial figures?

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OK so the best you can do is complete a fos consumer questionnaire for each loan and submit them with a brief covering letter.

 

If you don't have a record of the payments actually made on the loans then you won't be able to work out what the refund should be so you will be taking their word for it if and when they make an offer.

 

The fos consumer questionnaire can be downloaded from here

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html


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Hi,

 

Would the refund not be based on the overall figure they have supplied, i.e the total PPI paid per loan? But yes, I am taking their word that this is what was actually paid.

 

Is it correct/true that they wont have copies of all transactions? If so, how the hell did they come up with the figures they have sent me?!

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Ok, to clarify my position and understanding (based on recent forum reading):

 

1) I have six PPI products based on personal loans

2) For each product I have a total amount of PPI

3) For each product I will make a single claim, based on the total amount of PPI paid, plus the standard 8% on just that total.

 

Does this sound reasonable?

I understand that if I delve deeper, then ultimately I will have a larger claim since interest would be based on individual payments rather than an overall figure at the the final date; but the current total claim amount would be sufficient for me to be happy.

 

Any input welcome!!

 

Thanks in advance, this forum really is a gem!

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Hi

 

The principle of redress on a loan account is that you get back and payments you have made towards the premium plus the contractual interest paid in respect of those payments. In addition you get 8% simple interest on each payment made running from the date of payment to the date of settlement of the claim.

 

With a single premium policy, the amount of the premium is added to the loan and you pay for it over the lifetime of loan. If a loan is settled early then a rebate of PPI should be given since the overall premium is reduced because the insurable risk no longer exists. However, the rebates given are not normally correct and there is usually and overpayment of PPI at the point of settlement which also should come back to you. This will also attract 8% interest as above.

 

Banks are required to hold on to data for six years after the account was closed but we do know that they keep records for a lot longer and when they have been pressed, data suddenly appears which they have previously said they do not hold.

 

If you feel that you have not received all of the data you are entitled to under a SAR then you could send them the failed SAR letter from the CAG library. It has been the case where some have had to threaten legal action to force the bank to release their data. The other thing is to lodge a complaint with the Information Commissioner's Office (ICO).

 

In the meantime you could just file your is-selling complaints as explained earlier and then chase the data after submission of your claim. You don't need to submit any figures with your claim although you might like to attach a copy of the document you received outlining the products and the PPI amounts.


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Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Ok, to clarify my position and understanding (based on recent forum reading):

 

1) I have six PPI products based on personal loans

2) For each product I have a total amount of PPI

3) For each product I will make a single claim, based on the total amount of PPI paid, plus the standard 8% on just that total.

 

Does this sound reasonable?

I understand that if I delve deeper, then ultimately I will have a larger claim since interest would be based on individual payments rather than an overall figure at the the final date; but the current total claim amount would be sufficient for me to be happy.

 

Any input welcome!!

 

Thanks in advance, this forum really is a gem!

 

What is it that you actually think has been done wrong, by who and when?

 

Without this info anyone trying to assist is stabbing in the dark a to some extent.

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Hi

 

The principle of redress on a loan account is that you get back and payments you have made towards the premium plus the contractual interest paid in respect of those payments. In addition you get 8% simple interest on each payment made running from the date of payment to the date of settlement of the claim.

 

With a single premium policy, the amount of the premium is added to the loan and you pay for it over the lifetime of loan. If a loan is settled early then a rebate of PPI should be given since the overall premium is reduced because the insurable risk no longer exists. However, the rebates given are not normally correct and there is usually and overpayment of PPI at the point of settlement which also should come back to you. This will also attract 8% interest as above.

 

Banks are required to hold on to data for six years after the account was closed but we do know that they keep records for a lot longer and when they have been pressed, data suddenly appears which they have previously said they do not hold.

 

If you feel that you have not received all of the data you are entitled to under a SAR then you could send them the failed SAR letter from the CAG library. It has been the case where some have had to threaten legal action to force the bank to release their data. The other thing is to lodge a complaint with the Information Commissioner's Office (ICO).

 

In the meantime you could just file your is-selling complaints as explained earlier and then chase the data after submission of your claim. You don't need to submit any figures with your claim although you might like to attach a copy of the document you received outlining the products and the PPI amounts.

 

Hi, thanks for the reply.

 

My point is, if I have a single figure from a single premium policy, then ultimately in terms of financial data this is all I need for a "basic" claim?

i.e. a larger claim could be made if I had the monthly breakdown from the beginning of the term, but if I am willing to settle for a lesser amount, then the breakdown isn't strictly required?

Though I appreciate I am then taking their word that all figures are true and correct RE overpayment etc.

 

For the record, this "lesser" amount is more than enough for me to clear my current debts, which is the main aim of this exercise.

Edited by Stan**

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You have enough information to lodge a claim, yes.

 

There is no "larger" or "smaller" claim.

 

The bank will work out the refund due from their record of payments made against each product (if they still have them) and that calculation will be done using the FSA/FCA rules of redress for mis-selling.

 

It would then be up to the claimant to check those figures are correct if they have doubts and that can only be done if there are records available.

 

I would suggest getting the claims in and await the response.


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1. Single Premium PPI Q&A Read Here

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Thanks for the info!

 

Is there a guide anywhere on the full PPI reclaim process? Ive looked but cant see anything...I may be missing the obvious!

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Thanks for the info!

 

Is there a guide anywhere on the full PPI reclaim process? Ive looked but cant see anything...I may be missing the obvious!

 

 

Post #7 above


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How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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PLEASE HELP US TO KEEP THIS SITE RUNNING

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Wow I really was missing the obvious :)

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:lol:

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi all,

 

Received a letter from HSBC today, which basically says we need to fill out an attached questionnaire - Im assuming this is just a stalling tactic?

 

So, what to do - fill out the complaint form for each loan account, or is there another better approach?

 

Thanks in advance...

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Did you not already do a fos questionnaire as in post #3?


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Thanks for the prompt reply.

Nope....we only wrote to HSBC outlining figures and requesting refund.

 

SO that answers my question, we should fill in this questionnaire?

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Yes but you might like to download the version from the fos website here

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Just in case the one you have been sent by the bank has been weighted in their favour.


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi all,

 

How do I go about making a complaint regarding non compliance of SAR? Is this direct to HSBC or another body?

 

Thanks

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you complain to the Information Commissioners Office.

 

were these HFC loans par chance?

 

dx


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Thanks for the reply.

Sorry, what is HFC?

 

Is there a letter template I can use as a guide?

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