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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Ex wont sign Blackhorse PPI reclaim settlement form


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I am trying to claim some ppi back that was a joint policy with my ex partner.

 

 

My ex partner has refused to sign it since 2010 so that the money can be paid.

 

 

She wanted a share but I explained to her that since we were still owing the (outstanding) loan was more than the ppi

they may subtract it from the loan.

 

 

I am the one responsible for the loan now since I live at the property so she said that she will not pay towards the loan even though we shared the loan.

 

 

The bank has refused to make payment until it is signed by both of us.

 

 

I spoke to her yesterday and she said that she is thinking about it but that is what she says everytime because she wants me to lose the property.

 

 

The Bank does not want to pay even 50% which I think it will still be unfair because I will still have to pay all the loan.

 

 

The Bank has now sold the loan to another company and they are chasing me for all the money.

 

 

Is there anyone who has claimed on a joint policy and has not be able to contact ex partner and succeeded in their claim.

 

 

Any help would be appreciated.

 

 

Thanks

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If it's a Joint policy, regardless who had the most income and paid the loan, then any PPI claims would be split 50/50.

 

If your ex-partner decides to pay you their share then that is up to them.

 

Because the loan has been sold on, any PPI will now go directly to the account holders and not to reduce or offset the balance.

 

Is this loan secured? If not

then the loan that has been sold on, both you and your ex-partner are jointly liable for the debt, the DCA can go after either or both but because you have been seen to be the one that is the most contactable then the DCA more than likely will choose you.

 

Stigman

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NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

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The loan is secured and I live at the property.

 

 

I told my ex that I am happy to split the ppi money with her if they don't use it to pay part of the loan

but she should or will have to make payments towards the loan repayment

 

 

but she said that she will not pay towards the loan.

 

 

The original loan was shared by us.

 

 

The PPI is a over £10,000.

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ring the FOS

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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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it concerts me this has been sold on

who was the lender

ok theres you say £10k involved in the PPI, is that with 8% int added properly?

 

 

who was the lender too

 

 

is the charges still on the property?

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

and Blackhorse are coughing up?

 

 

have you got all the statements

 

 

you need to put EACH months PPI individually into this spread

 

 

this will give the true reclaim figure.

 

 

StatIntSheet v101.xls

 

 

prob why Blackhorse want you to sign it so quickly.

 

 

you can scan up the letter if you wish?

 

 

do they give a breakdown

and do YOU have the original signed agreement>??

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

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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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not being funny but your ex might just have done you a favour

its rare BH cough

even rarer the correct amount!

 

 

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

Just spoke to my ex and she is still refusing to sign.

 

 

It looks like she was trying to claim half of it but she said that they sent her a form requesting a lot of information which she does not have.

 

 

I asked her why she was trying to start another process when it has already been accepted over 4years ago.

 

 

She said I was shouting (her usual trick) so I said okay bye.

 

 

It is all about taking and cheating the other person with her.

 

 

She wanted to collect it without my notice so that I will be left with the payment.

 

 

She said she is entitled to half of the ppi but she is not responsible for the loan payments.

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if her name is on the agreement sadly legally she is

 

 

have you done this reclaim properly or simply sent a speculative letter to BH?

 

 

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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bet you've arrears fees [fixed sum penalty fees] too?

 

 

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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as they all are for loans

 

 

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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She said she is entitled to half of the ppi but she is not responsible for the loan payments

 

So she wants her cake and eat it too - she cannot have it both ways, if she is on the agreement then she is entitled to a 50/50 split of the PPI but she also is jointly responsible for the loan. Or she is not responsible for the loan and therefore is not on the agreement and cannot claim PPI.

 

However, PPI and ex-arguments aside - because you are living at the property, it is in your best interests to deal with this because the loan is secured.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I will call Blackhorse tomorrow and try and resolve it by requesting a final figure from them and tell them I don't know the wherebouts of my ex because I don't know where she lives. That will give me an indication of how to deal with it after the sale of the loan. I will call FOS as well.

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Yes. There were arrears and fixed sum penalties.

 

 

then you need to put those in thi sheet

at their int rate

 

 

put that in cell d15

 

 

CISheet v101.xls

 

 

 

if BH have not told you the figure for PPI reclaim

or even if they have

 

 

I would pers not be accepting the offer without the PPI spreadsheet results.

 

 

dx

 

 

I'd

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

I will call Blackhorse tomorrow and try and resolve it by requesting a final figure from them and tell them

 

If Blackhorse have sold the loan then it is very unlikely that they will accept a full and final.

 

They will just refer you to the DCA who purchased the loan.

 

Any full and final settlement must be in writing, it must also stipulate that the charge will be removed, that any outstanding balance will be written off and not sold on to any third party.

Without that, I would not part with any money for a full and final settlement.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I queried the loan amount that the DCA is claiming and

 

 

when I called Blackhorse, they said they have sold the loan so they can't deal with me so I should ask the DCA to call them which I did.

 

 

I wanted to know if they froze the interest as they told me they will and how they arrived at the final figure.

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Sorry, Stigman. I was referring to the ppi refund amount, not the loan settlement amount. Or are you saying the DCA is now responsible for the ppi refund?

 

Just for clarification - any reclaims of charges or PPI always claim off of the original creditor which in this case is Blackhorse.

 

For the debt which is now sold, you will have to come to an agreement with the DCA unless you had a repayment schedule agreed in writing with blackhorse before the loan sale & although the DCA's do not like it & throw their toys out of the pram the DCA has to honour it.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I queried the loan amount that the DCA is claiming

 

Have you all of the Blackhorse statements or can you still access your Blackhorse online account to obtain them and print all statements off?

 

Is the DCA adding charges and/or interest?

 

If not then you will need to send Blackhorse a SAR request, these do cost £10, the template letter is on the top tool bar in the Library section, you will get back all statements, logs, notes, copies of letters etc.

 

Have you checked your Credit File to see if the debt is listed, if it is if Lowell's have updated etc.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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