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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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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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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

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

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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