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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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SIL LLOyds Loans PPI reclaim ** SUCCESS ***


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Sorting out son-in-laws finances, started looking now at this bunch - has had 3 loans with them since 2002. firs two paid off with little issue but no paperwork, last loan defaulted and recently sold on - this definitely had PPI on it, and have worked out % of repayments going to PPI

 

Have received two letter from their PPI team, including their own very long PPI questionnaire, so they can review the sale. Have ignored so far. does quote a policy number starting with PLE but have no paperwork

 

Assuming a SAR is the best way forward to get details of first two loans so see if these had PPI on and take it from there.

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If you want to see for yourself what the original agreement said, and go through the statements to calculate the repayments of PPI etc., then you either need all the originals or do a SAR.

 

I can see that these companies would prefer to use their own paperwork, it may well contain some well-versed terms that deny you part of a refund - worth looking. ;-)

 

I've one to do like this on the Halifax, they sent me a letter and questionnaire.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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use the fos customer questionnaire

 

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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  • 4 weeks later...

No sar info yet but have rec'd all three statements of account - shows PPI on 2 of the three - got all info needed to input into the spreadsheet. Will put in two separate claims - first for loan repaid in full and see how they respond , then will but in a claim for the disputed loan which they sold on last year - will be interesting to see how they handle them.

 

FOS questionnaire will be used not Lloyds own. Hopefully will post off early next week

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yep sure as long as they weren't a refinance ofcourse...

 

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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Share on other sites

No sar info yet but have rec'd all three statements of account - shows PPI on 2 of the three - got all info needed to input into the spreadsheet. Will put in two separate claims - first for loan repaid in full and see how they respond , then will but in a claim for the disputed loan which they sold on last year - will be interesting to see how they handle them.

 

FOS questionnaire will be used not Lloyds own. Hopefully will post off early next week

 

 

Out of interest, did you repay it in full or use the PPi for that one?

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  • 3 weeks later...

Best laid plans!!

 

- Just got the SAR enough to fill a truck.

 

Have already put into 2 separate spreadsheets

- one for the loan paid off in full and

one for the loan in dispute and sold by Llyods.

 

Will take my time to assimilate the information

- he had lots of charges as a result of offsettting and returned internal DDs

- might try a reclaim under BCOBS if I have the energy.

 

Will box clever and send in claim for first loan

- son-in-law still got an o/s CC debt of just less than £2k we are paying off at £10 a month

so would expect them to offset the payments against this

 

but am I correct in thinking the interest should be paid and not used to offset??

 

Will also state that thet should not assume he would not have purhased PPI elsewhere

and therefore should not reduce the level of the claim.

 

Think this is just another [problem].

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I have a feeling they will try and take the interest as well as the reclaimed PPI if there is an outstanding amount. I'm not 100% what the legal position is though as it is repayment of interest you had previously paid - if that makes sense ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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they cant off set the 8% - unless its a credit card PPI reclaim - then they can

but only off the card debt itself.

 

we have know Lloyds to not off set at all BTW

I've seen it twice now

 

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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  • 5 months later...

Eventually got the energy to proceed with the claim - FOS Consumer Questionnaire completed and letter sent to Lloyds PPI team for his first loan - claim about 3K

 

Now for the hard ones - Funding Corporation and Welcome/broker/underwriter all of whom denying liability. Still debts now under control.

 

Intend

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  • 4 weeks later...
  • 1 month later...

Phone call from daughter - complaint upheld!!!

 

Not sure of details but refund in the right ball park and nothing being off-set.

 

Will post more details when I know - cheque due 28 days

 

Intend

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Cheque banked - daughter over the moon - made her families Xmas.

 

Now on to the rest of the reclaims for them

 

Couls a member of the site team change he title of the thread to Success please?

 

Intend

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Excellent news, intend :)

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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1: How can BCOBS protect you from your Banks unfair treatment

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  • dx100uk changed the title to SIL LLOyds Loans PPI reclaim ** SUCCESS ***
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