Jump to content


  • Tweets

  • Posts

    • I hope you mean I try to help people stand up to bullying - and not do the bullying!   I'll assume it's a compliment!     Well - that sort of demonstrates that you've not understood my point and (perhaps?) haven't actually read the OP?   My point is that it is not the boyfriend (the supposed "owner" of the car park) who is posting, but his girlfriend who believes that he "owns" his car parking space.  Yes - it usually makes sense to believe that what the OP is posting is the truth, but in this case there is every reason to believe that there is a possibility that the OP might be mistaken about her boyfriend's ownership of the parking space, because...  well, how would she know for sure whether he does or not?  He might be boasting or lying or simply mistaken.  (My understanding is that many people who "own" flats are often under the mistaken apprehension that they "own" a parking space when they don't.  All the more reason then that somebody else other than the "owner" might be even more mistaken).   I suppose what I'm getting at is that I was a bit surprised that both you and dx100uk were able to give such definite and certain answers to the OP without exploring her situation a bit more fully and ensuring that she fully and correctly understood her boyfriend's rights in respect of the parking space in question.  I was simply concerned that without getting more information from the OP, then the replies given to her might prove to be less than useful.  I wouldn't want her to leave thinking that there was absolutely nothing to worry about and then find out there was because she'd been misadvised because she didn't understand whether her BF "owned" the space or not.   Of course, it may be that my concern here makes absolutely no difference to the answer that needs to be given to the OP because it doesn't matter whether her boyfriend actually "owns" the parking space or not, which is fine.  But sometimes I think it would be helpful to the OP (and other readers like myself) if some of these legal niceties could be spelled out rather than left unexplained.    
    • I've spoken to my son in law and because the gearbox can be very expensive to repair, he would prefer to reject the car.   The garage isn't going to charge storage at the moment.   I feel they have been mislead regarding the service history.   How difficult would it be to get the finance company on our side in rejecting the car and sending back to the dealer?
    • The first thing to say is that you better go ahead and refund the buyer because otherwise she will end up getting negative feedback as well. We will try and help you get your money back from Hermes. Have you made a formal claim through Hermes and have they formally declined you and giving you reasons why? Presumably the item was properly declared and properly valued when the delivery was booked. You don't say whether or not you took out their so-called insurance. Please start off by reading around the sub- forum focusing particularly on the Hermes threats. There are lots of them. Get to understand the principles in respect of the arguments – the insurance element, your third party rights despite the fact that you booked it through Packlink. Have a look at other people's experiences of having sued Hermes, the process of issuing the claim, the defence, the mediation and have a close look at the advice that we give about how to handle mediation. It's highly likely that you will have to issue claim papers so also read around to understand the steps you need to take to bring a small claim in the County Court. It's straightforward but understanding the steps will make you far more confident about what you are doing. Have you started a formal complaint against Hermes and Packlink?
    • Christmas Wonderland has been allowed to reopen because it sells real Christmas trees. View the full article
  • Our picks

Barclaycard & Lloyd’s Credit Card PPI


Please note that this topic has not had any new posts for the last 735 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

I hope someone can help/give advice.

 

I had Lloyd’s Visa & MasterCard from 1993 & Barclaycard MasterCard & Visa from 1995.

 

I filled in an online request for information for the Barclaycards & received a letter in the post stating that I had ppi on Visa card 30/01/95 - 20/10/98 & on MasterCard 27/07/95 - 24/05/04 Then received an email link to secure message portal to download the information I’d requested.

 

All that amounts to is 3 copy statements from 2007 with zero balance & dreadful photocopies of original postal applications where the box saying I wanted ppi is ticked. I certainly don’t remember ticking it.

 

Did an SAR for Lloyd’s...received a pile of statements oldest being from 2000 & showing no itemised ppi

there is however a terrible quality photocopy of my original application from 1993 again with the ppi box supposedly ticked.

 

I’m new to all this...is there any point me attempting to claim back ppi ?

I certainly never received any ppi terms & conditions or anything & wouldn’t have been able to claim on it....didn’t even know I had it.

Any advice welcomed.

 

Thanks

Link to post
Share on other sites

Absolutely, it is worth pursuing.

 

You should begin by sending them each an SAR. When you get the SAR look carefully at what you get and also at what might be missing. They have 30 days to respond. It is free of charge. Come here when you get the disclosure.

Link to post
Share on other sites

The VERY limited information I received from Lloyds was in response to an SAR posted recorded delivery on 9th September.

Will try another one & possibly report to The Data Commissioner as they appear to have decided what they want to send me rather than send all relevant information they hold.

 

Will SAR Barclaycard

 

RBS haven’t even acknowledged SAR sent to them recorded delivery 9th September !

 

Thanks for your input

Link to post
Share on other sites

Then you should complain immediately the information Commissioner about any delays. The bank seem to be establishing a culture of delay and they seem to be putting two fingers up to the GDPR rules.

 

If you wanted to start an action against RBS and we would help you. We've just had a very interesting result against Lloyds although I'm unable to give you the full details because they are confidential. However, I can pretty well guarantee you that once they have exceeded their deadline, if you want to bring an action then you wouldn't be disappointed.

 

Begin by making a complaint to the ICO immediately. It's free. You will get a message from the ICO saying that it appears that they may not have complied with the GDPR regulations. This is enough to face a legal action. You will get some compensation and it will be fun.

Link to post
Share on other sites
  • 1 month later...

Hi, the ICO suggested I try & resolve with the banks before making a complaint to them !

 

I have written to Lloyd’s & Barclays again re. their non-compliance stating that if they don’t comply in full with my request I will raise a formal complaint with ICO.

 

RBS finally responded... a tatty brown, thin, recycled envelope ripped open with statements spilling out !

 

Hand scrawled address...No covering letter & ignored request for loan agreements that may have PPI..

 

.took photos of the package before I opened it...

going straight to the ICO about them...

disgusting

Edited by dx100uk
Spacing
Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...