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    • Thank you all for your input so far. I have now received a letter back from my CPR 31.14 stating 'CPR 31.14 is not relevant to small claims matter, pursuant to cpr 27.2......we are under no obligation to disclose the documentation at this stage.' I assume this response is expected?   I have reworded my defence and made it more succinct, I'm not sure what else I could add?   1. Due to the sparseness of the particulars, it is unclear as to what legal basis the claim is brought, whether for breach of contract, contractual liability, or trespass. However, it is denied that the Defendant, or any driver of the vehicle, entered into any contractual agreement with the Claimant, whether express, implied, or by conduct.   2. It is admitted that the Defendant was the registered keeper of the vehicle in question. However, the defendant has no liability as they are the Keeper of the vehicle, and the Private Parking Company has failed to comply with the strict provisions of PoFA 2012 to hold anyone other than the driver liable for the charges.   3. Signage at the site is not sufficient. A sign is present on the left hand side of the entrance, away from the driver, and therefore cannot be easily read by the driver of a passing vehicle. On closer inspection this sign states ’Refer to the full Terms & Conditions signs located throughout the car park’. Signs are located so that information is often obscured by other parked cars and is difficult to read. These signs state ‘Entry to or use of this privately operated and managed car park is subject to the current terms and conditions of vehicle control services ltd. Motorists/persons utilising this car park hereby accept in full the terms and conditions.’ Therefore, the driver is deemed to have agreed to the terms and conditions by having entered the car park before knowing what those terms and conditions are. The elements of offer, acceptance and consideration both ways have therefore not been satisfied and so no contract can exist.   4. 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 not with reference to the judgement 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    In summary, it is the Defendant's position that the claim discloses no cause of action, is without merit, and has no real prospect of success. Accordingly, the Court is invited to strike out the claim of its own initiative, using its case management powers pursuant to CPR 3.4. 
    • On side note: I have notice that many people without the skills to argue their point, accuse others of being rude, racist, sexist, homophobic etc. I.E. Excuse me, i don't have a receipt for this refund, but i have my bank statement,  can i get a refund? -No, no receipt no refund - But your policy and the law says "proof of purchase" not "receipt " - You're rude/racist/homophobic, you must leave now or i call security.    I see this happening day in day out. Even kids do it, they're very quick at gaining a crowd's attention by shouting "racist/homophobic" so they can feel they've won the argument.  Sad.  
    • The advice is: make a complaint and get a refund. Then make another complaint about the inspectors attitude if you want, but changing the world is something that it's not going to happen, surely not for an excess fare. Inspectors are given discretion and unfortunately some of them take this as a sign of power over other people. It's impossible to sack all people who have a little position of power and employ more, hence the complaint system.  That's life and as .much as everyone of us want to improve it, it's an impossible task, so don't waste your time and brain on it. Just accept that there are things you can't change.  Get your refund, get your apology, then move on. That's my advice.
    • Hi.   I've removed part of the account number to keep this anonymous for you.   Have npower done what the ombudsman said?   HB
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hi all,

 

I used halifax website to submit my ppi complaint.

 

they correctly discovered my old loan and credit card 2004/6 and sent me a 7 page questionaire to complete and gave me six weeks to do so... I just had a text msg to say three weeks later they are still waiting

 

questions:

can they really give me timescales to complete their form?

do i really need to complete their form... can i send them a completed fos form which requires much less information?

shouldnt i send them one sar for full statement for each acciunt?

 

any help would be gratefully received

 

zubo


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sar is for ALL the info they hold on you!

but await until GDRP kicks in after the 25th the SAr is Free

 

no use the FOS form!!


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 all

 

Not sure why but ive downloaded fos questionarre and using windows 10 and word 2016 i simply cannot enter data into it... it claims the document is protected but i have tried everything i know ... i am an experienced it pro... and its all locked down..

 

has anyone got an unprotected copy or maybe a cag one...

 

btw can some kind admin person change my permissions to post in the library.... many thanks


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Sorry but we don't allow caggers to post in the library. If you think that there is a document we should be there then please let us know.

 

Please can you post a link to the FOS document that you are having difficulty with.

 

Sometimes these protected documents need to be saved onto your own PC under a slightly different name. Have you tried this?


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You have to click " enable editing " in the yellow bar at the top of the doc (protective view)

 

Download the Doc version not PDF and then save as PDF once completed.


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Sorry but we don't allow caggers to post in the library. If you think that there is a document we should be there then please let us know.

 

Please can you post a link to the FOS document that you are having difficulty with.

 

Sometimes these protected documents need to be saved onto your own PC under a slightly different name. Have you tried this?

 

thanks Bankfodder ... the Library access makes a lot of sense...

 

link is here http://www.financial-ombudsman.org.uk/ppi/im-looking-for-your-ppi-forms.html#forms-2

form is attached

 

thanks

 

ppiq.doc


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hi all

 

i am working through the fos ppi questionnaire and worried about a question about

 

c4 have you missed any payment...

 

in the period concerned 2004-2007 i struggled with excessive debt and across 12 or more accounts or loans i stopped paying and issued letters citing unlawful agreements. for the best part of ten years i was inundated with collection demands.

 

so although for a few years i paid ppi ... i left a lot of debt they had to write off.

 

so my question really is ... will this affect any ppi repayment or are they obliged to repay me ppi regardless of outstanding balances??

 

i have had questionairres sent to me by Halifax for a loan and plan to use fos questionnaire... i am planning to reply as follows

 

I managed to pay 30 months and then could mo longer afford to pay, Halifax collecters hounded me for money I did not have causing me distress.

 

any advice gratefully received


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if the oc still own the debt

they could off set


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 all

 

In 2004 I took out a loan with Halifax where the PPI was added to the loan.

 

So i paid for 18 months before i couldn't afford any more...

 

In 2013 the balance of £7000 had been sold to 1st Credit now Intrum... they took me to court... i agreed to pay... paid 6 months at 450 then offered a final £5000 in full and final acceptance which was accepted.

 

So who do I claim this final portion of PPI from???

 

thanks


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When you say they took you to court, did they get a judgement? Did you defend? How was the agreement made?

 

The people you will claim against will be the original creditors – Halifax. How much were the PPI payments?

 

Can you tell us more about the £7000 debt? Some of this was comprised of the PPI payments. Some of this was comprised of the interest on the PPI payments. Some of this was probably charges. Please can you tell us about these and their values.

 

Have you paid the £5000?

 

Also, you took out the loan in 2004. You paid for only 18 months. This means that by 2006 you had stopped paying. Had you paid anything between 2006 and 2013?


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You claim as normal from the OC


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 dx...

 

Bankfodder... sincere apologies but i struggle to remember things these days and i am no longer that well documented....

however here is my best recollection...

i ran into serious difficulties in 2007 and gradually stopped all payments to a dozen or so businesses... i am not proud of it... in fact im ashamed of my inability to pay any of my deby.... so i managed to fend off collectors and everyone lost interest about 2010... except Halifax who sold the debt.

 

first credit engaged judge and priestly, they took me to court, my defence was 6 years had expired but they shot that down because it hadn't apparently... they got full judgement... i agreed a repayment of £450 per month paid for 5 months then offered £5000 accepted and paid...

 

yesterday judge & priestley confirmed judgement was for £7223.56 and payments i made. i have the copies sent by Halifax of the agreement and payments made... the apr was 9.3% the proportion of ppi to monthly payment was 0.19 and total ppi charged for loan was £3261.60 ... so the final amount in my spreadsheet adjusts the 5000 final payment to claim only the total on the agreement.

 

can you please check and confirm all ok

 

thanks

CISheet v101.xls


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Someone else will have to look at your spreadsheet to understand it more fully because I'm not sufficiently clever at this kind of stuff to deal with it.

 

However, what concerns me is that you are pursued for a debt but which included mis-sold PPI premiums plus interest so that in fact a certain amount of the debt was not valid because it was comprised of money which had been misappropriated from you. It might even be possible to say that had you not been burdened with misappropriated PPI premiums, that you might have managed the debt.

 

From what I can see of your spreadsheet, you seem to be saying that there was £45.30 being charged per month – was that the PPI premium? You seem to be saying that there was a total of PPI plus interest on it of £6526.13 p. This how much money you think you are entitled to recover?

 

What was the date of the judgement? Is it on your credit file?


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scan up the agreement to PDF please

read upload


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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dx100uk... i will do it tomorrow... i have grandkids to feed... all cooks have gone walkabout...


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dx100uk

 

apologies for the delay... please note the way i was guided through signing where the boxes i had to sign were marked with a X ... i ha no choice to sign the no thanks to ppi

agreement.pdf


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Ping me later been buzy

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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zubo

 

LOAN 13,160.16+3,261.60=16421.76 total

 

PPI% = total cost for PPI / total cost for loan X 100 = %

 

PPI%=3261.60/16421.76*100=19.86%

 

for your £228.08 paymentsthat £45.30

and ofcourse that % of any other payments made

 

worthy to note they WERE regulated by GISC


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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