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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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Next Directory PPI


Baz1994
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Hi there, I'm new to posting but have been for a considerable time following this matter and have to hand it to the originator for persistence.

 

I tried for months writing to Next attempting to get back PPI without success.

 

Finally wrote to ombudsman hoping to glean from them who the underwriters or group was responsible.

 

They were about as useful as a ashtray on a motorbike obviously never read my letter thoroughly and asked me to supply that info!!!

 

Eventually with no other road to go down and unlike cups was forced to give up.

 

My position was quite clear and unambiguous had received no notification of insurance and being part time only, 12 hrs per week and my husband self-employed would have been excluded in any subsequent claim which Next did not dispute.

 

Given the previous posts with the info available can some one please advise if I should press in the same manner as Next a claim with Phoenix As assuming they have allegedly admitted responsibility.

 

Any help would be appreciated.

 

Thanks

 

I would contact Next for confirmation of insurance details and underwriter.

 

Then I would be sending them a complaint and await their response.

 

Good Luck

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Thanx unfortunately Next were not very forthcoming sending a copy of insurance but with no company heading and from the answers here can only assume unless there is a difference of opinion Phoenix are the underwriters and this is what I was hoping to confirm

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Thanx unfortunately Next were not very forthcoming sending a copy of insurance but with no company heading and from the answers here can only assume unless there is a difference of opinion Phoenix are the underwriters and this is what I was hoping to confirm

 

Send Next a SAR :wink:

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Hi

The PPI was added in March 1998, about 2 years after the account was opened.

I didn't ask for it, l wouldn't have done.

 

Benloyal - send Next a SAR, bearing in mind l have never had an insurance document at all, l just had an account statement that showed the total

PPI paid.

 

Good Luck,

 

Cups

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Hi

The PPI was added in March 1998, about 2 years after the account was opened.

I didn't ask for it, l wouldn't have done.

 

Benloyal - send Next a SAR, bearing in mind l have never had an insurance document at all, l just had an account statement that showed the total

PPI paid.

 

Good Luck,

 

Cups

 

Thanks Cups.

 

Benloyal - My SAR details from next advised that the insurance was administrated by a company called First Assist. I also contacted them who advised the relevant policy numbers.

 

After further correspondences and persistants, I received copies of the relevant policy. Mine incepted in 1991 and underwriters were originally Phoenix / Groupama / Ageas.

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Hi,

 

The address is

PA ( GI ) Ltd

1 Wythall Green Way

Wythall

Birmingham

B47 6WG

 

Thinking about it Baz, l did get a letter from Ageas last year but now it is coming from Phoenix, seems like Phoenix lost the argument then.

 

Hope that helps,

 

Cups

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Hi,

 

The address is

PA ( GI ) Ltd

1 Wythall Green Way

Wythall

Birmingham

B47 6WG

 

Thinking about it Baz, l did get a letter from Ageas last year but now it is coming from Phoenix, seems like Phoenix lost the argument then.

 

Hope that helps,

 

Cups

 

Thanks again cups.

 

That's another different address to what I had and will make note.

 

Mind you mine's been with FOS for quite some time :shock:

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Hi,

 

Just thought l would call the Phoenix Group people.

 

They were very pleasant, said they were on the case, mine was one of the ones they were nearly done with and l should hear soon, could not have been nicer.

 

Sounds like there is one guy there doing it all? But he seemed to be doing his best?

 

Will let you know when l hear from them again.

 

Cups

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Hi,

 

Just thought l would call the Phoenix Group people.

 

They were very pleasant, said they were on the case, mine was one of the ones they were nearly done with and l should hear soon, could not have been nicer.

 

Sounds like there is one guy there doing it all? But he seemed to be doing his best?

 

Will let you know when l hear from them again.

 

Cups

 

Thanks again cups and please keep me up-dated.

 

If you don't mind me asking, when did you originally complain and who to first ?

 

And when was your complaint submitted to FOS ?

 

Did FOS advise you that Underwriters would be sending you a claim form ?

 

Thanks

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Hi Baz,

2012, off the top of my head think it was the start.

Did not get a letter from FOS just the Phoenx letter.

Think from what the guy said they are doing it in tranches,

Cups

 

OK cups many thanks again and suppose I will have to be patient lol.

 

Please keep me posted as I will be interested on how they will calculate refunds. Probably premiums plus 8% statutory and no compound.

 

Cheers

 

Baz

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  • 3 weeks later...
Hi Baz,

Nothing yet but it is 8 weeks next week, will try them again and let you know,

Cups

 

Thanks cups will be interested with what they come back with.

 

I chased FOS for an up-date and a couple of days later I received a letter from Underwriters requesting details of claim. They wanted me to give them authorisation to contact third parties and original contract details including all statements proving insurance payment. They also submitted their complaints procedure.

 

I contacted FOS Adjudicator (fifth in total now) dealing with my original complaint against Underwriters and they were unaware that Phoenix Group had been in touch ? I mentioned that my concern was now another delay as my complaint with FOS has been around 2 years now and what happens if underwriters reject my complaint again - Surely not another complaint for FOS for the same reason ?

 

I asked the adjudicator why they had not made a decision to my outstanding complaint if they have now admitted liability as such - Bless her she was not too sure but did state that it maybe due to the complexity of the complaint ? :???:

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  • 3 weeks later...

Spoke to Phoenix, they are apparently still working out their PPI complaint procedure and are unsure how long it will take, when l mentioned the 8 week time limit l was told that l could go back to FOS but it wouldn't really help, not overly optimistic now !!

Cups

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Spoke to Phoenix, they are apparently still working out their PPI complaint procedure and are unsure how long it will take, when l mentioned the 8 week time limit l was told that l could go back to FOS but it wouldn't really help, not overly optimistic now !!

Cups

 

Thanks for the up-date cups.

 

Well I received a further letter from Phoenix yesterday advising that their investigations are taking longer than expected (mine only 4 weeks in now with them) and when I contacted FOS today they said just await their final decision ???

 

Now what I don't understand is that my original complaint was originally rejected and therefore passed to FOS for their decision. I received no up-dates for over a year until I contacted them in which I then received a letter advising that after the recent court decision (Nov 2014) that Phoenix have admitted liability.

 

I then receive a letter from Underwriters asking for details of my complaint in which I submitted everything including copies of statements, as that they wanted proof that payments were made. When I mentioned this to FOS they had no idea of this so I suggested that they liaise as soon as possible. The adjudicator contacted me later to say they had spoken with Underwriters and that they were still investigating, so not much help there then.

 

I did mention to FOS that surely as the complaint was with them it is their decision whether or not it was mis-sold but they did not seem to know what to do in which I find quite worrying. So I added what if after 8 weeks Underwriters come back and reject again, will I have to submit another complaint to FOS and start the process over again ? They did not seem to be able to answer that so again my confidence has waned and requested that they let me know as soon as possible. What I can see happening is that the adjudicator / Ombudsman will await Underwriters decision and will just agree with them !

 

Like you my optimism in a positive decision does not look very likely at the moment.

 

I will keep you posted.

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Hi Baz,

When l spoke they said they did not have systems in place to investigate, l have not been rejected as such, save to say Next denied they were covered by the selling of the PPI because they were not covered by FOS then, they are now.

Will wait and see,

Cups

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Hi Baz,

When l spoke they said they did not have systems in place to investigate, l have not been rejected as such, save to say Next denied they were covered by the selling of the PPI because they were not covered by FOS then, they are now.

Will wait and see,

Cups

 

Thanks again cups.

 

If you don't mind me asking but who has not got the systems in place - The Ombudsman ?

 

If so then that probably explains why they could not comment on my questions :shock:

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Hi Baz, No Phoenix said they were still working out their own PPI system of complaints, they are waiting for the managers to agree the process?? Cups

 

Ok thanks again cups.

 

Oh that will be interesting as I did mention to FOS about interest owing and they said if successful, that they should consider FOS redress policy. That remains to be seen.

 

Will keep you posted.

 

Cheers

 

Baz

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