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    • Hi,   I sent the email to both my local councillor and the leader of my local council yesterday evening. I didn't receive an acknowledgement email. Do you know if I should have, as I know that if you ever email an MP you always receive a acknowledgement email?   Walshy
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    • Very good finds indeed which help to undermine their case.. And to strengthen your case take a look  look at a thread by Tom Price also at Southend airport which is several threads below yours and you will see that he won his case on the fact that he was stopped rather than parked. On top of that he had the Airports Act  1986 to quote. The relevant section is no 63 " Byelaws are covered at S.63  (2)Any such byelaws may, in particular, include byelaws— (d)for regulating vehicular traffic anywhere within the airport, except on roads within the airport to which the road traffic enactments apply, and in particular (with that exception) for imposing speed limits on vehicles within the airport and for restricting or regulating the parking of vehicles or their use for any purpose or in any manner specified in the byelaws;" That confirms that the roads at the airport are either covered by the Road Traffic Act or Byelaws neither of which is relevant land therefore  PoFA cannot apply. And  VCS should be aware of that. Another thing is that when you posted their WS you didn't include their contract which I missed at the time. However Tom Price included it in his. And guess what-the  alleged offence they are pursuing you for, No Stopping, is not included in their contract. If you look at the end of their Service Agreement [aka contract] you will a list of contravention on Scedule 1 [7] (46) PARKING/WAITING ON A ROADWAY WHERE STOPPING IS PROHIBITTED That is the nearest to what you did. But you were not parking nor waiting -you were stopped so there was no reason to issue you with a PCN as you never broke any of their contraventions. Looks like they breached your GDPR and you should include that as it carries a hefty charge £750 is not unheard of.   Have a read of his WS too which may give you further ideas even possibly to rebut some of the points VCS  make.
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I think Halifax paid PPI 1st yr then I paid St James? Not sure how to claim


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I'm not sure if I have a case? I was a first time buyer if that helps to say in my case?

 

Just looking through my files, the first year (aug 2001) of my mortgage for PPI all I can find is the Halifax mortgage letter saying

thank you for applying for a mortgage

"As the loan amount you require exceeds our basic lending limit it is necessary for us to arrange additional mortgage security. you will be advised of the fee in due course. Please note that if you are borrowing less than 90% of the lower of the valuation or purchase price we are currently paying this premium."

 

Then on the mortgage offer letter At the end of the letter it says (oct 2001)

SPECIAL NOTE

We strongly advise you to consider arranging insurance cover to protect your ability to keep up your mortgage repayments if you become ill, lose your job, etc. You can obtain details of such mortgage repayments insurance from from any of our branches or your financial adviser...

 

Then a few weeks later the halifax letter of acceptance for my mortgage says

an additional mortgage security fee of £419 is also due. We will pay this fee. (explaining that they are lending me more than they normally would and additional mortgage security is required)

 

But exactly one year after my mortgage I started paying PPI monthly for the next 12 years to St James Place.

So who do I apply to and how do I explain the first year? Very confusing. By the end of the first year I must have believed I needed it but £419 per year is extortion, so I must have shopped around. I've never been in debt, ill, lost job or took out life insurance. any advice gratefully accepted

thanks ;)

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Hello there.

 

I'm not sure the mortgage security fee is the same thing as the PPI. Reading what you say above, the mortgage security fee was because you were borrowing a high percentage of the property value.

 

Do you have anything from St James Place please? Others will advise, but you may need to ask them for copy paperwork from when you took out the insurance.

 

HB

Illegitimi non carborundum

 

 

 

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This is from the Guardian a few years ago about mortgage security fees, or mortgage indemnity as I remember them. As I said, I think your PPI with St James Place may be a different issue. What paperwork do you have from them please?

 

http://www.theguardian.com/money/2009/nov/04/refund-indemnity-insurance

 

HB

Illegitimi non carborundum

 

 

 

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