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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Daily Record - Thursday 9th November 2006


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Just to say that the Daily Record Newspaper are running an Article on Payment Protection Insurance on Thursday 9th November 2006.

 

I had a good long chat with their Journalist last night regarding this and information that I had previously supplied to her. She will be using one of the PPI policies that I was mis sold as an example of how much these policies can really cost. Hopefully it should make some interesting reading..

 

Have also been asked if there is space would I mind a photo going in...arghhhh dont want to scare her readers off now do we..:D

 

Oh Companies named and shamed...Purpleloans Ge Money and Firstplus..:lol:

 

Have also Mentioned CAG website so hopefully the site will get a mention too. :)

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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This is the main story that was printed in todays Daily Record, I passed on a lot of info the the journalist regarding this . My story will be added soon, one i figure out to get a scan attached. They never used my photo in the article..Told you I was too Ugly..lol.

 

 

Don’t Be So Sure

Complaints prompt the FSA and OFT to probe payment protection plans

(By Alex Morgan – Daily Record Thursday, November 9, 2006)

Payment protection insurance is being tipped as the next big financial mis-selling scandal

PPI is supposed to cover your monthly loan or credit card payments if you lose your job or become too ill to work.

But the policies sold by high street and internet lenders, and card providers, tend to be massively overpriced and difficult to claim on.

The PPI industry rakes in around £5.5billion worth of premiums a year , But only 20 per cent, or just over £1billion, is paid out to customers – meaning the rest is commission for the sales people and profit for the providers

This compares with around 75 per cent of car insurance premiums which are returned to policyholders in the form of payouts.

The industry claims only 15 per cent of claims are turned down, but charity Citizens’ Advice says 85 per cent of its clients who claimed were unsuccessful.

As a result, financial experts say as many as half of the UK’s 20 Million or so policyholders may have grounds for claiming they were unfairly sold or the cover is inappropriate.

According to low-cost independent provider BritishInsurance.com, although individual payouts might be relatively small, it could result in a bigger overall payout than the mortgage endowment mis-selling scandal.

Both the Financial Services Authority (FSA) and the Office Of Fair Trading (OFT) have issued damming reports highlighting lenders’ failure to explain policies properly, and to ensure customers understand the complex exclusions that can prevent them claiming.

At the end of October, watchdog the FSA fined Loans.co.uk £455,000.00 for failing to treat customers fairly when selling PPI.

Margaret Cole, the FSA’s director of enforcement, says “we have highlighted payment protection insurance as an FSA priority due to the potential level of risk to consumers.”

The OFT is so concerned it is planning to have the Competition Commission investigate the PPI market.

Pula Houghton, personal finance campaingner for the consumer organisation Which?, says: “Which? Has said for years that bad practise is rife in the PPI market. It is simply not delivering adequate protection for consumers.”

Here’s what you need to know to ensure you don’t end up paying through the nose for cover you can’t claim on.

Comparison of PPI Costs

The annual cost of payment protection insurance for a £250 a month loan repayment.

Paymentcare.co.uk £118.50

Britishinsurance.com £120.00

Masteloan £559.80

Moneyback Bank £617.70

Alliance & Leicester £627.90

Abbey £711.60

Direct Line £752.70

Royal Bank Of Scotland £769.50

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Couldnt get the article uplaoded in a PDF format which is much better quality...

 

Have retyped the Story here to make it a bit clearer..

 

Case Study…

Ian became victim of purple power.

 

Ian Reid has no doubt he was mis-sold the PPI policy he took out alongside a Firstplus loan arranged with lender Purple.

 

The 47 year-old service engineer from Dundee, became concerned about what he had signed up for when he checked the small print after Purple offered him a top-up loan.

 

Ian says “ at the time I took out the original £20,000 loan, the salesman told me that if you don’t take the insurance you will have a problem getting it.”

 

In fact PPI is optional and the salesman should have asked if Ian already had sufficient insurance.

Because of the way the interest was calculated, the PPI was costing him almost as much as the loan. Ian Worked out that over the 15-year he would be paying a total of £55,000 - £37,000 for the loan and £18,000 for the PPI.

 

He was originally told if he didn’t claim he would get a refund of his premiums, However, the small print revealed he would not be eligible if he took the offered top-up.

 

Ian has since moved his debt to Northern Rock, where the interest rate is considerably lower, and taken out a stand-alone PPI policy through paymentcare.co.uk which works out at around £40 a month cheaper than his old one.

 

He is now pursuing a compensation claim against GE Money – Purples parent company. He says “I will take them to court if I have to.”

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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well done reidnet, letting every one know what tricks these institutions get up to, can only be for the good...:D 007

 

Yeah, I did of Course send them a copy of the article..lol, mmm they never replied as yet though.

 

And Today I sent off full complaints to the FSA, The OFT and the FISA..well I thought if i was going to complain I might as well make a good job of it..lol.

 

Looks like the Touchpaper has been lit, Just wait for the Flash and Bangs to follow..lol

 

I am thinking about uploading all the Correspondence regarding this claim now that it has actually gone to the press..Only prob there is a lot of correspondence..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Is it possible to scan, copy and paste a document to this site?

I would like to post a copy of my sons credit agreement from Lloyds which shows the PPI.

I am not sure if it is going to be possible to submit a claim.

Any help appreciated

Thanks

pam

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  • 3 weeks later...
Is it possible to scan, copy and paste a document to this site?

I would like to post a copy of my sons credit agreement from Lloyds which shows the PPI.

I am not sure if it is going to be possible to submit a claim.

Any help appreciated

Thanks

pam

 

 

You can scan documents but you need to upload the file to a fileshare site and set up a link to it. If you need help give me a shout, If your really stuck you can email me the scanned image and I will pit it on a shrared area of one of my websites for you

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

You can scan documents but you need to upload the file to a fileshare site and set up a link to it. If you need help give me a shout, If your really stuck you can email me the scanned image and I will pit it on a shrared area of one of my websites for you

 

Ian

 

Thanks Ian

Can I scan & email it to you please as I am not sure how to do it any other way.

Thanks

pam

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No problem Pam..

either email via here

or [email protected]

 

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

  • 3 months later...

Just an Update,

 

The Daily Record are running a follow up to this Story on Thursday 8th March 2007..which is aimed Directly at GE Money / Purpleloans..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
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ian need your help my spreadsheet is ready to go back to welcome iam reading about FLA & othersorts can you give me info on them & should i contact them before i go further Archie

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