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    • Firstly please would you space and punctuate your posts in a way that makes it easier for people to read. When you post a solid block of text it discourages people. You can see that I have rearrange your post above and you can compare it with what I have copied from your original. T came at have a responsibility to ensure that anything you order is delivered to you. I think you are entitled to some evidence that it was left down the side passage. Who's the courier? You tell us that the courier has indicated that you have previously agreed to items being left in the side passage. Is this correct? Have you given them blanket approval or have you indicated an approval for particular items? Would it not be normal for items of this value to be signed for? In addition to addressing the questions I have put you above, please will you read our customer services guide and implement the advice there for any future phone calls you have with this company. I'm especially interested to know whether they would normally ask for a signature when parcels are delivered. I'm not sure that the fact that the delivery occurred more quickly than you expected is especially relevant.   How did you pay for it by the way?
    • Ok. should I drop the whole penalty thing in defence and just rely on not getting the notice to keeper - I am 70% sure they didn't issue it as I was back at the previous address but they can lie they did / show a document I never got and then it will take longer with the hearing....   well then will have to rely on abuse of process and signage. I wasn't going to submit the image of the sign "conveying the contract" as it clearly wasn't visible from driver's position.
    • The learning continues (well I think I'm learning!)...   I hadn't noticed that you can view your PCN on NPS' website. Strangely, the one for my other half seems quite different to how I remember it but I'm unreliable!   What I DO find interesting is that they're trying to do her for returning within the prohibited period - not overstaying! Apparently she clocked in first at 11:06, out at 11:45 then in again at 12:37 (a whole 8 minutes too early!) and out again at 12:53 - a total of only 55 minutes parking - and clearly nowhere near the allowed 90 minutes.   Once again, I'm not sure what - if any - bearing this has on things other than seeming now spectacularly petty and even opportunist!   Comments anyone? PCN J.pdf
    • what im trying to point out is that by using those two words fine and penalty after all your research your mindset is still not quite in the right box..   it cant be either, it was a speculative invoice issued by a private company for breaking some kind of imaginary contract you signed upto by entering a privately owned area .        
    • I placed an order with TK Maxx on 7/11/19 to the value of £170.   I went away for the weekend the following day to look after my grandchildren. When I returned home on 11/11/19 I found a card through my door from dpd saying “in side passage”. I checked but nothing was there.   The following day I emailed and phoned TK Maxx and explained what had happened. I mentioned that I was very surprised that an order that I had placed on the Thursday had been delivered the following day given their website says ‘up to 5 working days’.   The member of staff promised to contact the courier company and get back to me. Nothing happened-   I sent three chasing up emails and this morning spoke to someone on the phone. Basically she said there was nothing she could do about it.   The courier company had said they had left parcels there before and I had indicated that they could do so.   I asked to speak to someone else about this as I was obviously very unhappy to lose £170 and very dissatisfied with their response. The woman said there was no one else I could speak to and they would tell me what she had. I am so upset about this - and her attitude - the grudging admittance that someone should have been back in touch with me.   Quite clearly couldn’t care at all. Is there anything   I can do? Any advice gratefully received!
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Woody08

Monument SAR received have i PBP?

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HI

I applied for the PPI from Monument and i had an outstanding debt which was very old, they sent out an letter to claim PPI and i have applied online.

 

Now i have received an response from the they will be adjusting the money towards my debt, I have attached a copy from them, can you please guide and advise what would be the next best step to get the Ppi

 

PDF uploaded

 

Hi do you have the contact details for Monument please?

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Hi do you have the contact details for Monument please?

 

 

I would do it yourself woody by sending them and sar

get all the statements

then use the FOS form

 

 

and start a thread of your own please

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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leave it blank

 

How do I start my own thread thanks

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you don't need too.

you already have a thread running on this

click your username on the left


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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you don't need too.

you already have a thread running on this

click your username on the left

 

I'm on my phone is it a different format as I press my name and it just goes to my name saying message

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start a new thread


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi

I received the paper work requested and I can not tell if I have PBP on it as there are not proper copies of the statements

Just typed on to paper all squashed together.is this the norm to not get statement copies and how do I find it I paid PBP as not clear Any help be great thank you guys

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have you a copy of the agreement?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes can't see anything on there though. Do you know why the copies aren't statement type copies

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that's how they are achieved sadly nothing wrong mind

wanna scan a few up to PDF

lets look.

click upload ONE MULTIPAGE PDF PLEASE!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I will have to scan later as can't now but on customer service memo it says

 

CODE 14

 

PBP NoV sent Aug 05 notifying PBP re-price to

0.69% with CAP, effective 01/10/05

 

What does this mean

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looks like they are informing of a price hike

so odds on you've got it.

 

 

should be obv on the statements

you'll have a small sum each month that slightly varies.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Never knew I had it. What is

 

Merchandise Interest at 1.666% per month

Annual charge £15

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annual charge yearly fee for being allowed to let them give you credit?

 

 

merchandise id the stuff you buy on the card


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Is there anyone else that has uploaded their statements that I could cross check please as I can't see where there was PBP added thanks

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dunno use the search CAG box top red toolbar

 

 

however I bet there is a small sum every month that slightly goes up or down a bit.

that will be PBP

get scanning well find it


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi

Sorry to bother you I have a question concerning Monument credit card on the SAR documents how did the PBP come up

On your statement? Under what name and how much was it? Did it vary each month

Thanks for your help if you can

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woody keep to you own thread please..

PBP is a % of the outstanding balance of that month

typically say 10p for every £1 debit

so will vary up or down.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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