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    • well done marked as won.   please consider a donation to keep us here   dx  
    • Now their signage is generic so it begs the question does this car park consist entirely of marked bays and if so how does one distinguish what are the defined markings? Their signage offers nothing to help you determine even if the marked bays additional terms apply to this car park and you would have thought that they would want people to be aware of what they are being offered because if they arent it isnt a contractual obligation.   My view on this is that they are trying to chisel motorists for money as they dont earn enough from the acrual parking management and like all of these companies greed overrides their obligations in their activities. Now this means they will be like a dog with a bone and wont want to let go so expect to fight this all of the way. As you have an advantange of gathering soem information before they send the NTK you are in a better position than many so whe you do get the letter please show us it with  your personal details redacted as they will have to show waht evidence they have of this alleged breach in that NTK. Some compnies refer youto a web site to view their evidence- not good enough, the POFA says they have to show it in the letter. Also the wording of the NTK has to contain key phrases to create a liability and often they get that wrong so keep sitting on your hands until they send the letter.
    • This is to put a closure on this thread, and I hope that it helps anyone unfortunate enough to have had any dealings with Gregory Pennington.   As you can see from my postings I have been trying to reclaim PPI from these guys, but to no avail.   My problem was in identifying the actual underwriters, I tried chasing Direct Group and a couple of others connected with this particular insurance group without any success. The answer was right in front of me.   Luckily I had managed to find the original monthly statements from GP, or at least most of them. And there was the name of Sterling Insurance. Once again I sent off my spreadsheet plus my claim   in reply received a letter from COVEA INSURANCE. It was the standard " we're sorry you're not happy etc " reply and promising an investigation. That was on 14 Feb',   on the 17 April they sent me a cheque which was for about 60% of my claim and a letter explaining their decision part of which states...…...……….   " Whilst COVEA INSURANCE plc ( formerly STERLING INSURANCE GROUP LIMITED ) was the underwriter of your insurance policy, we had no involvement in the selling of it. The finance was arranged by Gregory Pennington who also arranged the sale of the policy.   We have been attempting to address your complaint with Think Money and obtain the point of sale documents to investigate your issues further, however, we have struggled to get the information, and consequently we have decided to accept your complaint, and on an ex-gratia basis refund the premiums with interest. "   So that's it my friends, Another door closed. I hope that this proves helpful...……….If you've had dealings with GP the chances are that it was STIRLING INSURANCE who underwrote the policy. Here is the address that I wrote to initially.   Stirling Insurance Group 50 Kings Hill Avenue Kings Hill West Malling Kent ME19 4JX.
    • N245 time did you not do that? or cant afford the fee?  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
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Hi.

 

Was wondering if there is a way to block / report / stop people trolling me?

 

On a couple of posts I've made two people in particular have taken personal stances on questions I've asked, and instead of answering, simply slag me off.

 

Is there a block / report function on this site?

 

Thanks.

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top of the page User CP

 

left hand column "edit ignore list"

 

PM one of the admins to complain about me, or hit the little report symbol on the bottom on my posts - the warning triangle


Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Its not trolling, you just dont like the answers given.

Blok list, left 👈 hand side, edit ignore list

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Please could you post a link to the posts which you are complaining. You can link to those specific posts by clicking the #number at the top right of the post. For instance, the post I am making now will display as #4.

 

However, especially people who are quite new to a forum and often are asking for help on quite personal or stressful problems, can sometimes feel exposed when the responses they receive are given in public – of course this is a public forum. Therefore it is possible to become rather too sensitive to comments made by people who in reality are only seeking to help.

 

It is also easy to misconstrue people's intentions because of course all you can do is read their comments without seeing any of the body language or the nuances which are normally extremely important in face-to-face communications.

 

I'm afraid that it is the nature of Internet forums everywhere, but sometimes one must be a little more resilient – and most of the time people respond to posts have no ill intention whatsoever


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Matter of life.

The internet makes everyone sharp and cocky, same characters in real life would be running away just if you looked at them.

Nothing you can really do apart from reporting to admin, but as in every other internet platform there are the ones who can say whatever they want and the others who get a beating at first unconventional post.

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Thank you.

 

I suppose that I might have taken a softer line but I have to say that I wouldn't call this trolling by any means. Also, I can see that there have been at least a couple of people on your thread who have been trying hard to advise you in a particular way and am sorry to say that you seem to be caught up on some personal issue which unfortunately is not really relevant even though it might seem to be hugely important to you – and from your own personal perspective, I'm sure it is.

 

As I say, although I might have taken a softer line, I can tell you that the quality of the advice that you are receiving on the subject is a thousand times better than I could ever give. I think it would probably help you generally if you tried to look at the matter less emotionally and deal with it in a pragmatic way – which is I think what is being recommended to you.

 

I'm sure that you are extremely anxious about the situation and I'm certain that that is not helping the way that you perceive things either at work or on this forum. However, I can assure you that we are absolutely on your side in terms of giving you the best advice. Being on your side doesn't necessarily mean that we are saying you are right. It only means that the advice we are giving you is really calculated to provide the best possible solution for you.

 

There is certainly no trolling here and if you were ever trolled you would understand what it really is and how bitter an experience it can be. Being followed around by someone and constantly attacked and denigrated for no particular reason other than to satisfy some malicious intention. It's very nasty.

 

None of that is happening here. I should listen carefully to what is being said to you and in particular try to clear away some of the emotional haze that is probably distorting your view of what is happening at work and here. I'm sure it is easier said than done.


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Matter of life.

The internet makes everyone sharp and cocky, same characters in real life would be running away just if you looked at them.

 

yes, but I don't think that has happened here.


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Here you go PlainOldMe. If you want to add people to your own ignore list, click here :thumb:


We could use your help

PLEASE HELP US TO KEEP THIS SITE RUNNING

 

 

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.

 

If I've helped you at all, please feel free to click on the little star under my posts and leave feedback :)

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you are each very welcome on CAG

 

you stop 'whomever' from fleecing 'whomever' out of 'money' they are 'not' entitled 'too'

 

please observe our under ruling narrative...……

 

we beat the fleecers ..understand that simple fact and refrain from personal insults...

 

keep the reality of CAG foremost please and put aside pers issues...

 

if we got 1/1oth of the money you both helping on CAG saying via raising issues

we would not be intervening as site team...

 

 

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

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yes, but I don't think that has happened here.

Yes, nobody ever spat insults about opinions and advice from other caggers.

Never happened.

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yes, but I don't think that has happened here.

 

Yes, nobody ever spat insults about opinions and advice from other caggers.

Never happened.

 

So, what is your view of the replies the OP is referring to?

Not “other threads”, but this thread and the OP’s thread.

https://www.consumeractiongroup.co.uk/forum/showthread.php?487912-Quick-question-about-quot-Capability-quot-meeting.&p=5127757#post5127757

 

Insults / trolling? Or valid points / comments?

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Valid points, perhaps a slightly more understanding and polite approach would avoid new members feeling hammered.

Some people have thick skin, some others don't.

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