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    • PCN Charge  - NTK received on 26th January for, “illegal” parking on the  Nicol Street Car Park for 11 minutes on 19th January, (having done so on the understanding that the car parks had been made free due to the COVID-19). I noticed a similar event and correspondence regarding the same car park in June last year and the advice given was to ignore the, “fine”. However I can’t find the correspondence again and wondered if the advice was followed and how it turned out?    Nicol Street Car Park Again - Private Land Parking Enforcement - Consumer Action Group
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Help with sold statute barred debt and PPI reclaim


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Any help with where to go from here would be greatly appreciated.

 

Arden contacted me a few months back regarding a loan which I informed them was statute barred.

 

After letters and phone calls pestering me,

I decided to ask them for a copy of my original agreement hoping they wouldn't be able to obtain this

and if they did it would let me perhaps claim the PPI on it

as I remembered Lombard making this a condition of the loan.

 

Arden produced a copy of the agreement and

I have since informed them to stop calling me as the loan is statute barred,

which they have so far complied with.

 

The balance remaining on the account was £6798.50.

 

Obviously I'd like to claim the PPI on the amount I paid

but I'm not sure how to go about this as it's not as straight forward as a normal claim.

 

I'll attach the agreement if anyone could shed a little light on the correct procedure

I would be very grateful.

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Can you PDF the document please as jpg files are too small to read.

 

Has the debt been sold by the original creditor or is Arden acting on their behalf?

 

This will be a standard PPI claim against the company who sold it to you although what will happen to any redress will depend on who the owner of the debt is.

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

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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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Not sure if that file is very readable. so I'll post an image.

 

[ATTACH=CONFIG]50112[/ATTACH]

 

As above....PDF it please

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

 

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

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Follow instructions below to convert to pdf :)

 

Dx100 – Instructions on uploading pdfs

Scan the required letters/agreements/sheets

as a picture file

remove all personal info including barcodes etc. using paint

but leave all figures and dates.

Go to one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

open a new message box here

hit go advanced below the message box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB: you can set where it goes in the post by hitting insert inline.

Then hit reply button

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

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4: Staying Calm About Debt  Read Here

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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

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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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OK so it seems that IDEM have ownership of the account.

 

If that is the case then it is a standard PPI reclaim to Lombard.

 

Have a read of No.1 in my signature which will tell you how to calculate the amount of redress you should get back. There are spreadsheets at the end to help you.

 

Have you got a record of all of the repayments you made i.e. dates and amounts? If not a SAR to Lombard would be a good move.

 

Then grab a copy of the fos consumer questionnaire and complete it. You can download it from here...

 

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

 

Send the completed questionnaire and a copy of your spreadsheet to the lender. They will have 8 weeks to give you a decision before you can refer the matter to fos.

 

Make sure you keep copies for yourself.

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

 

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

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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