Jump to content


  • Tweets

  • Posts

    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

KF Car Insurance PPI Claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3907 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys,

 

As a reference, I originally started a thread here [ http://www.consumeractiongroup.co.uk/forum/showthread.php?396944-PPI-Claim-against-MBNA-c-card.-Involves-1st-Credit-amp-Connaught-DC-Agencies ] about PPI, however I have now received a response from KF re: my ppi letter on car insurance.

 

In my original letter in early-July 2013, I gave them my details which included the following:

 

- my full name

- my DOB

- my full address incl post code

- telephone number

- contact email

- insurance details incl the following

* client ref: no.

* ins. cover type

* car details

* car reg

- dates of insurance cover

- insurance premiums relating to each date

 

Note: The majority of the premiums have dates that are pre-year 2000.

 

I have received a response stating that they are unable to access my policies pre-2000 to early 2000's, to investigate if pp had been added to my monthly direct debit payments.

 

In order for them to take the matter further (investigate), I am being asked to send them information/paperwork received from them at that particular time.

 

Should I comply with this request? and how?

I may not have all of the monthly payment information re: bank statements.

 

Surely they should have this information to hand, even if it is stored away in a remote storage facility or on some kind of micro-fiche, disk(s) or cd's.

 

I welcome your response to my query.

 

Regards,

AdvS1.

Link to post
Share on other sites

Hello ims21,

 

Thanks for your reply. I am looking through my files to see if I can find additional information/paperwork, and from that will update here accordingly.

To make it simpler, I have answered your questions seperately below.

 

- So this vehicle insurance was taken on a finance contract to which PPI was added?

Yes, it has been.

From looking more closely at my papers, there is no seperation of charges mentioned of the ppi amount, it is lumped into the main monthly installment payment

 

- If so do you have the evidence that PPI was added to the account?

Yes, I do.

I have a confirmation letter dated 06/11/98 stating "We are please to confirm your acceptance under the Accident, Sickness and Unemployment policy offered by KF Insurance Services." and I have the booklet from them called "Accident, Sickness & Unemployment Policy".

 

Also, in a letter dated 19/10/99, the details in smaller print at the bottom on the Motor Insurance Renewal states *The installment amounts shown include the renewal of your Payment Protection Plan....". In even smaller words at the very bottom of the page are the words "Premiums shown are inclusive if Insurance Premium Tax at the current rate".

 

The then current policy total amount was £826.36 at 35.4% APR

The then current policy total amount which included Protected No Claim Discount Option was £942.63 at 35.4% APR

 

~~~~

 

Letter dated 05/11/99 ~ This is a letter confirming my renewal. Under the Confirmation of details:

 

* Insurance premium

(including insurance premium tax) £691.71

* 1st Installment £69.17

* Balance of insurance premium £622.54

 

ADD

* Installment Charge £99.61

 

Total Amount Payable £722.15

 

Subsequent Instalment Amounts £65.65

 

First payment date is 02/12/99. Subsequent payments being the 2nd of each month.

 

Under the Confirmation of bank details, they have quoted my:

 

* Sort code

* Account Number

* Account Name

 

On the Motor Policy Schedule, there is a box called "Additional Premium" with an amount £691.71 in the box. It also states "Additional premium is inclusive of Administrative Fee". The admin fee amount is not stated.

 

~~~~

 

Letter dated 09/11/01 ~ This is a letter confirming the renewal of the policy.

It shows the monthly installments due from 8/12/01 for £84.04 and 8/01/02 - 8/11/02 for £78.37 (monthly lump sum figures only, ppi is not shown as a seperate fee).

 

Regards,

AdvS1.

Link to post
Share on other sites

OK so it seems the insurance is £691 odd so what I would do is send them copies of the documents that confirm the premium and the payments made.

 

Good job you keep all of your old papers.

 

Link to post
Share on other sites

Hi there, thanks very much.

 

Yes :-)

I have always been told off by my family for being a mini-hoarder.

In this situation it should prove very beneficial.

 

Another quick question, do you think I should send them a bank statement payment too or just leave it for now, depending on their reply?

Link to post
Share on other sites

In my view your bank statements are personal.

 

I would see what reply you get without sending them but if push comes to shove then you can by all means send evidence of the actual payments made.

 

Link to post
Share on other sites

Thank you very much, ims21.

I'm not keen on it either.

 

I really appreciate your guidance.

Once my correspondence with each company is finalised,

I will certainly be hitting that donation button (more than once) :-)

 

Have a great evening!

Link to post
Share on other sites

***Update***

 

Hi there,

 

I've had a response and they want to send a payment that is just under £130.00

This includes the 8% interest.

 

I'm not sure if their calculations are correct, especially as I paid out over £3,000 in car insurance policies over a 4 year period.

 

Regards.

Link to post
Share on other sites

Hi ims21,

That information was never shown on the paperwork that I have. Below is the response from the email received from KF. I still have to respond whether to accept or query it:

 

"Thank you for your email and the information you have provided in relation to your complaint. I am sorry we have given you reason to complain.

I tried to call you today to discuss this matter further. Unfortunately, I was unsuccessful. I have reviewed your complaint and have given my findings below.

 

On your policy from 6 November 1998 your paperwork shows that this cover was included in your monthly direct debit payments. Your renewal notice from 6 November 1999 confirms that the payments quoted included the payment protection policy. When this policy was renewed, there is no confirmation on the paperwork that you have sent to me that this cover continued until your policy was due to be renewed again in November 2000. I regret that there is no documentation showing that there was a motor insurance policy in force with us from November 2000 to 2001 or stating that payment protection was included. We have received an instalments confirmation letter and certificate of motor insurance showing that a policy was arranged from 8 November 2001 until 2002. However, there is no proof that the payment protection policy was arranged for this policy.

 

As confirmed in my email dated 5 August 2013, I regret that we no longer have access to your files from 1998 to 2002. However, as you have provided some documentation from these years, I have been able to make a decision in relation to your payment protection claim.

 

Following my investigation, I can only assume that the payment protection policy was in force for your four policies from November 1998 until November 2002. I am unable to listen to the call recording from when the payment protection policy was added to your monthly payments and cannot confirm that this policy was mis-sold. However, our renewal notice dated 19 October 1999 confirmed that your renewal payments included the payment protection plan and we asked you to contact us before your policy was due for renewal if you did not want this cover to continue.

 

When the payment protection policy was sold originally the premium was £19.99 for a years policy and increased to £32.89 in 2005. We have calculated the cost of the payment protection policy from 1998 to 2002 at £29.99. Due to this you are due a refund of £119.96 plus the additional 8% interest increases this amount to £129.59. I will arrange for your cheque to be sent to you. Please allow ten working days for your cheque to arrive.

 

I hope I have answered all your concerns and I that my explanation has been helpful to you. However, if you remain unhappy with my response you can contact the Financial Ombudsman Service within six months. Details can be found by clicking on the link below www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

If you require any further assistance, please do not hesitate to contact me on ??? or by return email. I am normally available from 9am until 5pm, Monday to Thursday."

Edited by AdvS1
privacy
Link to post
Share on other sites

Also, I have read (and please correct me if I am wrong), that wouldn't the 8% interest include a timeframe element of when the last payment was made (Nov 2002) to when I made the complaint to them? If so, then that is a duration from Nov/Dec 2002 to July/August 2013.

Link to post
Share on other sites

you should get back

 

the ppi paid at their int rate until the close of the policies

from that date, you should get 8% stat int , on the total figure to todays date

 

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... 

Link to post
Share on other sites

Good Morning,

 

I aim to contact KF today with my response to their offer but before that, I just wanted to clarify the figure I am prepared to accept from them.

I have calculated a final acceptance figure(s) of (A) £232.77 or (B) £241.81 . This comprises the following:

 

(A) PPI amount per year £29.99 x 4 years of payment = £119.96 (KF's quoted figure)

 

PPI Owed £119.96

Int Rate 8%

Interest £9.59

x Days Due x *3,926 days

/ 365 days per year = 37,677.03 / 365

Stat Int. Amount = £103.22

 

SUMMARY:

PPI Owed = £119.96

x 8% interest = £9.59

+ 8% stat int = £103.22

Total = £232.77

 

-----

 

(B) PPI amount per year £29.99 x 4 years of payment (incls int £9.59) = £129.95 (KF's quoted figure)

 

PPI Owed £129.95

Int Rate 8%

Interest £10.40

x Days Due x *3,926 days

/ 365 days per year = 40,830.40 / 365

Stat Int. Amount = £111.86

 

SUMMARY:

PPI Owed = £129.95 (includes their 8% interest)

+ 8% stat int = £111.86

Total = £241.81

 

Note:

*Duration timeframe for Days Due:

09/11/2002 to 08/08/2013 = 3,926 days (or 10 years and 9 months : which includes today's date)

Can you please tell me if my figures are correct?

 

Thank you.

Edited by AdvS1
Link to post
Share on other sites

you can use the stat int sheet to check.

 

put in the lump figure for each

on a sep copy.

 

that will do it for you

 

use the date as the date their int charging stopped

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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... 

Link to post
Share on other sites

[ATTACH]45678[/ATTACH]

 

[ATTACH]45679[/ATTACH]

 

[ATTACH]45679[/ATTACH]

 

[ATTACH]45678[/ATTACH]

 

Hi dx,

 

Thanks for the information.

I used the spreadsheet here as it seemed closest to my situation => StatIntSheet v101.xls

 

Both of the figures for the revised (A) and (B), are different from my initial calculations.

 

The interest works out to be more i.e (A) = £201.00 and (B) = £208.80

 

The results are below:

 

Summary (A)

Total PPI Owed £232.77

New 8% Stat Int. £201.00

New Total figure £433.77

 

Summary (B)

Total PPI Owed £241.81

New 8% Stat Int. £208.80

New Total figure £450.61

 

 

Did I do it correctly?

I have uploaded the files for your perusal.

 

Regards.

Link to post
Share on other sites

all looks correct

 

what about the CISHEETS for when they did levy int?

 

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... 

Link to post
Share on other sites

Hi dx,

 

Thanks for that.

It shows that I am on the right track :-)

 

Regarding the levy interest, I'm not sure what you mean.

Is CIS applicable too?

 

Can you explain a little further as I don't know what information to include?

 

Regards.

Link to post
Share on other sites

CIS?

 

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... 

Link to post
Share on other sites

what is CIS>

 

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... 

Link to post
Share on other sites

ah sorry

 

you should use the cisheet at their int rate [cell d15]

 

put in every PPI payment.

close the sheet the day the policies closed

 

[same day as statint starts]

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...