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    • Well I really don't know where to begin with this. I've spent hours trying to figure out what to put but it seems that every witness statement is different depending on the exact circumstances. I know that I shouldn't put all my cards on the table but I don't know which ones to hold back and which ones to get rid of altogether.   This is what I have so far...   I, XXX of XXX am the Defendant in this case. I make this statement in support of my defence again the Claimant, Civil Enforcement Ltd.   1.       CEL make it impossible for defendants to discuss PCNs with them or their representatives:              A.       On the 26th Nov 2018 I received an unexpected PCN from CEL. I immediately went onto their “Contact Us” page, which stated that operators are available to speak to during normal working hours (see appendix 1 - THIS IS JUST A COPY OF THEIR CONTACT US PAGE). I tried calling numerous times to discuss the matter but regardless of what time of day I called there was no option to speak to an operator, only an automated system to pay.              B.       When I received a debt collection notice from ZZPS (see appendix 2 - COPY OF LETTER) the letter instructed me to call them on 01932918916.                      14th Mar 2019 - I tried calling several times and have a call recording I can play for the court to show that it was impossible to speak to anyone. Instead I was played the following automated message: “The party’s call minder belonging to 01473478289 is full and can’t accept any more messages. Please try again later. Goodbye.” The call then hangs up.                     19th Mar 2019 - I tried again at several times throughout the day and this time a message played thanking me for calling ZZPS and asked me to hold. It then rang for 2 minutes before repeating the same message. This happened over and over again. I have two recording that I can play for the court showing this to be true, one that lasted 9 minutes and the other for 10 minutes before each time giving up.            It appears that there is some unreliable call routing in place meaning that I had no way of contacting CEL or ZZPS as they both advise.   2.       CEL failed to produce any of the documentation I requested in writing, which obstructed me from making a decision on how to proceed with this case:             A.       On the 3rd Dec 2018 I completed CEL’s online Appeals Form (see appendix 3 for a saved copy of the submitted form - ATTACHED TO THIS POST). CEL responded (see appendix 4) but failed to answer any question, stating that GDPR prevented them from doing so.             B.       On the 14th Aug 2019 I sent them a CPR 31.14 Request letter (see appendix 5). CEL did not respond.   3.       According to Schedule 3, Part 1, Class 13 of The Town and Country Planning (Control of Advertisements) (England) Regulations 2007, only signage older than 10 years is deemed as having consent granted.   CEL has changed its signage 3 times within the last 10 years, which can be clearly seen from Google Street mapping images:            A.       2018 – Present: Signage stating 1hr free parking (appendix 6a)            B.       2012 – 2017: Signage stating 3hr free parking (appendix 6b)            C.       2008 – 2012: Signage stating 2hr free parking (appendix 6c)   CEL’s current signage was installed at some point during 2018 but according to Stockport Council’s online planning applications search system no planning permission was granted. I believe the signage has therefore been erected illegally, which makes it impossible to enter into a contract with them.   4.       CEL has also added legal costs to their claim, which is not recoverable within the Small Claims Court.   I believe that the following facts stated in this Witness Statement are true.   Have I made a complete balls-up of this or am I going in the right direction? I thought it might work in my favour if I try to show the judge that I made every reasonable effort to resolve this without going to court but CEL purposely make appeals as difficult as possible. Perhaps none of that matters. Not sure. 🤔 Appeal Text.pdf
    • images/posts removed . please do not post jpg picture images directly to a post . read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only . that way only logged-in,registered and approved caggers are the only ones that can download and see them . else anyone can see them caggers or not. dx     dx    
    • This will be ok for you to offer the final 1 month's fee you should have paid :-   Dear Harlands,   I refer to my membership at [town/city] gym.   The DD mandate was cancelled after the June 2019 payment was made and this was notice of my intent to cancel the gym membership.   I now realise I should have left the DD Mandate open to pay a final month's fee for the notice period.   Please confirm your bank payment details and a reference so I can pay you the £xx.xx to end this matter. I will not pay any admin fees added by Harlands. I will only deal with this matter in writing, not by phone.   My offer is valid for 14 days only and will be withdrawn if you demand any higher amount.   Yours sincerely,
    • seems like your payment issue is not just your error      
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HSBC PPI Head of Department details

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Feeling like I could do with some advice please. I have had 2 PPI's that HSBC have agreed to pay out on. I sent all the forms back on 16th Feb and was told that the offers were sent out to me that week. Nearly 7 weeks on and I have still had nothing in the post.

 

I have been chasing weekly and have been promised calls back on 8 occasions. Can someone give me a direct email address of the head of complaints who deal with PPI at HSBC? With a husband who has been out of work for 8 months, this PPI payouts really will ease things for us and was hoping that they would have been in out account by the end of March.

 

Any advice I'd be so very grateful for. Thanks in advance.

Edited by Andyorch
Paras

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I'm not sure that you will get the answer you want to hear and even if you do I'm not sure that sending an email will make any difference.

 

I hope you have been keeping a log of all the calls and promises you have received – because this itself is a basis for some extra compensation even if it is not very much.

 

Also, even though you may be short of money, look very closely at the offers that you are being made because you may well find that they're not refunding you everything you are entitled to. You should come back here and let us know what the dealers before accepting.

 

If you do accept then I think you need to make it clear that your acceptance is provisional and that you reserve your right to come back to them if you disagree with their calculation.

 

I'm afraid that probably the best way to provoke a reaction from them is to begin a formal complaint which should eventually lead to the FOS. It's not very satisfactory but it might help to move things on. I would suggest that you call them and tell them that you want to make a formal complaint. Make sure that you get a reference number and tell them that you want it to go to the ombudsman. Go through it all carefully on the phone – read our customer services guide for tips as to how to do it and you should implement all of the advice including recording the call.

 

Maybe somebody else will come along with the email address that you require – but I'm afraid that I'm very sceptical that these "CEO" emails ever really get to the CEO. I rather think that these email addresses are handed out in order to make customers feel that they are being treated a bit more seriously – but in fact they are all eventually rooted to the same complaints team.


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Thank you BankFodder. All calls and promises have been recorded (dates and times etc), as have the names of the various individuals that I have spoken to. I will certainly come here with the offers and hopefully someone of experience will be able to help me ascertain if they are correct or not.

 

I will now look at referring this to the FOS. Will now consult the customer services guide - thanks again for the advice.

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i wouldn't trust hsbc to get any PPI payment right either!!

 

have you sent an sar and done a spreadsheet to workout what your reclaim should be?


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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Have had great success with the email I sent. First offer through - premiums paid from 30/12/04 to 02/01/08:

 

Paid PPI premiums and interest: GBP134.14

8% compensation on payments made: GBP125.80

20% Tax deduction on 8% compensation: -GBP25.16

 

 

Approx Refund available Net of Tax: GBP234.78

 

 

Does this look calculated correctly? Am waiting for the second offer which should be circa GBP2,000

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no way of knowing without the statements.....

 

but no from 2004!!


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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Thanks for the reply as always you are so quick to revert back.

 

I have managed to get the head of complaints to come back to me with this offer.

What is the best way to go back to him in respect of the offer?

Do I ask for confirmation of the loan amount at outset or will I have to wait weeks for an SAR if I request the statements?

 

He has apologised for the way my two complaints have been handled and is looking into it for me. Any advice?

If I accept the offer can I in anyway ask that it be reconsidered once I have received the SAR's or does acceptance mean I accept and case closed?

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Second offer just through. Can anyone help me check that these calculations are acceptable bearing in mind I haven't requested a SAR. I wrote to them and they came back to me and said yes I have had PPI on the card and that I could complain.

 

This is the offer:

 

First Premium Charged 02 Jan 2001

Valuation Date 23 Feb 2018

REDRESS TOTALS

Manually Entered premiums. GBP704.25

 

Pre-statement period estimated premiums GBP233.07

 

TOTAL PPI Premiums GBP937.32

Interest Charged to the Card (non taxable) GBP704.23

All Credit Interest (taxable) GBP980.37

Total Fee Refund GBP225.00

Total Compensation Calculated GBP 2,846.92

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does the letter say full and final.


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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urm..i'd p'haps not except it then until you've the info to check its correct


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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