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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Standard Life Mortgage Assurance Policy& FOS decision help


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It doesn't necessarily mean they got away with anything Baz.

 

It all depends on what your mortgage offer states and no-one can comment without seeing it.

 

It will/should clearly show in the conditions whether it was compulsory or advised for your protection (and lender)

 

OK and thanks again Dotty50.

 

There seems to be some confusion with the mortgage offer details as it states and endowment when we applied for and have a capital plus interest mortgage.

 

I have spoken to the Halifax and they are currently searching for further details. I am under the impression that there was another corrected mortgage offer or maybe not ?

 

This ties in with the advisor trying to sell us an endowment policy originally in which we told him it was a 100% repayment mortgage and then he proceeded that we would still need a mortgage protection plan.

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If my maths is correct the annual interest would at that point have been £7830.00 so the payment quoted on this offer is interest only so it ties in with an endowment being required.

 

Hopefully the Halifax will be able to trace the offer that this replaced but If it was going to be a repayment mortgage, why would a replacement offer be interest only?

 

Sorry to ask but do you think it was maybe the other way round to make it more affordable at the time? That interest rate was really scarey! My first mortgage was the same. :jaw:

 

You queried the cancellation of the SL policy and why it wasn't questioned by Halifax, did the policy lapse after you re-mortgaged? It may be that the policy wasn't a condition on your new mortgage so it wouldn't have been questioned.

 

In the SL SAR, can you spot anything that assigned the policy to Halifax?

 

Mine was a SL endowment plan and it was assigned to the lender so that they received payment in the event of my death.

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If my maths is correct the annual interest would at that point have been £7830.00 so the payment quoted on this offer is interest only so it ties in with an endowment being required.

 

Hopefully the Halifax will be able to trace the offer that this replaced but If it was going to be a repayment mortgage, why would a replacement offer be interest only?

 

Sorry to ask but do you think it was maybe the other way round to make it more affordable at the time? That interest rate was really scarey! My first mortgage was the same. :jaw:

 

You queried the cancellation of the SL policy and why it wasn't questioned by Halifax, did the policy lapse after you re-mortgaged? It may be that the policy wasn't a condition on your new mortgage so it wouldn't have been questioned.

 

In the SL SAR, can you spot anything that assigned the policy to Halifax?

 

Mine was a SL endowment plan and it was assigned to the lender so that they received payment in the event of my death.

 

Thanks again Dotty50 for your response.

 

Yes all a bit confusing but I am sure you are correct regarding the revised offer was in respect of the 100% repayment mortgage and hoping that I may find something else to confirm this over the weekend.

 

Otherwise I will have to wait for the halifax to respond but maybe too late as complaint is progressing to the ombudsman.

 

Yes I know compared as to what it is now but I remember it actually later being 15.4% :shock:

 

Well we hit a bit of financial problems (2004) and the direct debit was cancelled and never reinstated. It was never questioned at the time and when we approached SL at a later date to make missing payments they returned the funds.

 

I questioned as to why the policy was not increased when we took another mortgage in 1996 on another property but it seems the onus was on us to address. The Halifax did not even mention it as probably not a requirement by then.

 

I will look again at SL SAR details and see what it says in the event of death and revert.

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  • 1 month later...

Received The Ombudsman's final decision Saturday, agreeing with the adjudicator in with not up-holding my complaint.

 

I have until the 9th October 2015 to respond accordingly whether to accept or decline decision.

 

Near enough word for word as to the adjudicator findings but in no way acknowledging evidence provided. I know that the ombudsman's decision is final but I will be rejecting it.

 

Anyway now I am getting e-mails from the adjudicator asking whether I have received the latest letter and if I have made a decision so they can up-date their records ? Is this normal practice chasing for a response when given a date as mentioned above ?

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I am in the same position as you.

 

I complained at length to the FOS over how my bank Halifax irresponsibly lent me nearly £15K.

 

I was never asked by Halifax to provide proof of income, what I wanted the credits for, nothing.

 

I sent in emails to the adjudicator complaining of certain areas of thre Lending Code Halifax had breach and why.

 

I also sent them Halifax's lending criteria and why they had breached that.

 

In their final response they ignored all of this information, and sided with Halifax claiming they did nothing wrong even though I am nearly £15K in debt.

 

The FOS were also aware I am a vulnerable consumer as I am disabled due to health grounds.

 

I also feel I was suffering from financial abuse.

 

I refused to accept the final decision on the grounds that evidence I had submitted had been ignored.

 

I also am confused to to where I go from here its a pitty that there is no organisation whom you can go to to complain about the FOS shocking decision.

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Yes, it is normal for the adjudicator to pester for a response so they can close the complaint.

 

Lucky7, the next step in the process, depending on the type of complaint is to issue a claim against the company, unfortunately if you have received a negative response from the FOS, this often doesn't help.

 

Baz, have you a thread that gives the history of your complaint ?

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Thanks citizenB and thought as much. See link below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?441828-Standard-Life-Mortgage-Assurance-Policy-help&p=4764720#post4764720

 

I know that it was a long shot due to the age of the mis-sale, but it was only reading up on something I came across that I decided to submit a complaint due to the fact that we were told we had to take out a policy.

 

The original mortgage was sold as an endowment in which we did not ask for so it was amended to a capital + interest 100% repayment on the condition that we took out the policy. I admit that we were a bit green around the gills at the time as it was our first ever mortgage.

 

As I had already submitted a complaint to S Life and final response received my concern was submitting complaint to FOS in time (within 6 months). The only problem was I was awaiting some information from the solicitors at the time in which I have only just received a response but was too late.

 

I did mention this to the adjudicator but he was not willing to give anymore time and I must admit felt quite pressured. He was calling me on a regular basis chasing me for my response to his decision even though I had requested to only contact me in writing or via e-mail. He basically agreed with Standard Life word for word and also the Ombudsman.

 

I also mentioned about complaining to the mortgage provider as they were also responsible by putting us onto the SL representative. FOS never responded to it or even made a consideration that they could be also liable. Now I do take on board that the policy type may have been suitable for us but we were told that it was necessary for the mortgage to be successful.

 

We were never asked if we already had existing cover at the time. The form was completed by the representative and was told to just sign here and here. I even provided evidence of ample cover at the time including evidence of the form completed by the rep. Then again if it was not required why was it sold to us ?

 

The details that I have from the SAR and our records only shows application in respect of an endowment mortgage in which was amended but no correcting details for the 100% repayment mortgage ? Again we raised this point but it was never addressed ?

 

Sorry to bleat on but we feel very frustrated with this as points we raised were never properly answered or taken into consideration. I have attached covering letter from the ombudsman's assistant and the final decision from the actual ombudsman.

 

Can we still complain to the Halifax or will there be an issue as it was arranged via Halifax Property Services who are no longer around ? They will problem blame Standard Life anyway and that will be that !

 

Just one final thing has anyone noticed on the adjudicators final rejection letters that they state "that I have the option to pass to the ombudsman for further consideration / Final decision but it's unlikely the outcome would be different - unless there's any important information that you haven't already given us"

 

Is this something new as I have never noticed it before but I recently did provide further evidence in this and a previous rejected case yet it was never acknowledged or responded to by the ombudsman ?

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Sorry forgot to add that if I reject the ombudsman's decision, all this does is it allows me to proceed with any court action ?

 

What effect does it have on the Ombudsman's part - do they contact me to ask why ?

 

Just looking for a bit of clarity on how it operates in these cases as previous experiences with FOS on other issues have not bred me with confidence.

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If the Ombudsman did not address all the points you raised, then I would reject and advise the reason being that they have not addressed all the points (or used all the information you provided).

 

Yes, if you reject the complaint and they refuse to look at it again, then you can issue a county court claim.

 

There is an Ombudsman complaint procedure, I rather suspect it is a feeble as the Ombudsman themselves, but I will look out the information on that for you.

 

Did you point out that the delay was due waiting on information that was important to your complaint to be sent to you ?

 

I am pretty sure they would be able to make allowances as long as it wasn't too much of a delay? Perhaps push them on that.

 

Do you have a copy of the mortgage offer and what does it say about the life cover ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If the Ombudsman did not address all the points you raised, then I would reject and advise the reason being that they have not addressed all the points (or used all the information you provided).

 

Yes, if you reject the complaint and they refuse to look at it again, then you can issue a county court claim.

 

There is an Ombudsman complaint procedure, I rather suspect it is a feeble as the Ombudsman themselves, but I will look out the information on that for you.

 

Did you point out that the delay was due waiting on information that was important to your complaint to be sent to you ?

 

I am pretty sure they would be able to make allowances as long as it wasn't too much of a delay? Perhaps push them on that.

 

Do you have a copy of the mortgage offer and what does it say about the life cover ?

 

Thanks for your reply citizen.

 

Got to pop out for an hour and will be back on later. I will give you some more details and I would appreciate any help or guidance if possible.

 

Cheers

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:thumb:

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Uploading documents to CAG ** Instructions **

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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

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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

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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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:thumb:

 

Hi Citizen,

 

I did forward additional details including amended mortgage offer to the adjudicator, in which confirmed that only property insurance was compulsory with the society. I also sent a copy of the original Halifax Mortgage Insurance booklet with application form for Life Assurance in which was not completed or posted.

 

I have also located a copy of the mortgage application statement and our original statement for 1990-1991.

 

Now I addressed these issues and stated that the policy was originally being sold for an endowment mortgage in which was incorrect as we were applying for a capital plus interest mortgage. We also had to take out a mortgage guarantee insurance. These issues were never acknowledged or even mentioned in their findings. They seemed adamant that the issue was that the policy sold was appropriate for our mortgage ?

 

Do I respond on this basis but obviously the decision will stand or do I submit another complaint to the mortgage provider ?

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TBH, I really don't know how you would proceed Baz. I am going to flag your thread for those with more knowledge to respond.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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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

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/showthread.php?243750-Unhappy-with-the-Financial-Ombudsman-take-your-complaint-to-the-Independant-Assessor

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?243852-You-can-complain-about-the-service-you-are-receiving-from-the-Ombudsman-but-WARNING!

 

This is the link I was talking about earlier in respect of taking your complaint to the Independent Assessor.

 

 

Read both links above before deciding what would be in your best interests.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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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

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/showthread.php?243750-Unhappy-with-the-Financial-Ombudsman-take-your-complaint-to-the-Independant-Assessor

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?243852-You-can-complain-about-the-service-you-are-receiving-from-the-Ombudsman-but-WARNING!

 

This is the link I was talking about earlier in respect of taking your complaint to the Independent Assessor.

 

 

Read both links above before deciding what would be in your best interests.

 

Ok thanks again CitizenB, I will have a look.

 

Your comments are appreciated.

 

Someone else maybe able to add something. Perhaps a new complaint to the Mortgage provider ?

 

Cheers

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  • 2 months later...

Hi, I had a Final Decision with the words " where there is incomplete evidence" after doing a bit of research 3300 Final Decisions, I found over 25% had the same wording in there Final Decisions. Does yours or anyone else's state these words. Thanks

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Hi, I had a Final Decision with the words " where there is incomplete evidence" after doing a bit of research 3300 Final Decisions, I found over 25% had the same wording in there Final Decisions. Does yours or anyone else's state these words. Thanks

 

Can you please explain a little more McGrath. The purpose of your question it isn't quite clear ?

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

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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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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