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    • And the date would be helpful .....PI claims have a Statute of Limitation of 3 years.  I would contact your daughter and get her to pass it on to her Insurance company to deal with...that's why you have Insurance.
    • I received a penalty notice for parking on a town carpark monitored by G24.  I am a 73 year old NHS Responder and had an urgent request to collect emergency medication for a neighbour.  In my haste I parked as near to the pharmacy as I could, thinking I would be only a couple of minutes and also believing that the car park was free because of the lockdown. There was a queue in the pharmacy and it took me half an hour to get the medication.  My neighbour died shortly afterwards.  I received the penalty notice from G24 demanding £100, and immediately responded with an appeal.  They claim they responded but I did not receive the letter.  A second, identical, penalty notice arrived two months later and I again responded immediately with a copy of my previous letter.  G24 responded and denied my appeal, then referred me to an Independent Appeal Service in Macclesfield.  The IAS refuted my claim, saying I am out of time because I did not respond within 21 days when my first appeal was denied - this is because that communication did not reach me. G24 have confirmed that they are willing for my independent appeal to proceed but the IAS now want £15 to consider the appeal and have rejected my application.  I cannot afford this amount and it is extremely unfair to penalise me for doing my Christian duty when a vulnerable person was in dire need.  I am an NHS Responder voluntarily and at my own expense, so why should I have to pay out £100 when consideration should be given to the circumstances surrounding the "misdemeanour".  Yes, I parked, but if an ambulance had parked, would there still have been a penalty charge ?  I was as much part of the NHS as an ambulance on that occasion and therefore I feel strongly that G24 should take the circumstances into account.
    • https://www.google.com/maps/place/Hazlebarrow+Rd,+Jordanthorpe,+Sheffield/@53.3249661,-1.4618968,192a,35y,180h/data=!3m1!1e3!4m5!3m4!1s0x4879830fcbc4e607:0xa8514d877d9f3e37!8m2!3d53.3252332!4d-1.4624469   Bank fodder, I don't know from where your image is, but the link that I have produced above is the location of the collision, opposite no 41 Hazlebarrow Road, just before the place where there are three white lines across the grass. You will see that there is minimal bend in the road although there is more bend earlier near the junction with Ormond Way, so emphasising this is steering the OP in the wrong direction.   The OP did mention in an early post the speed of 30 mph., but I suspect that this was merely an indication that she does not consider that she was speeding, rather than a precise speed.
    • Really just what can she do? Due to covid she may have to wait 2/3 and be unable to drive plus why are the fines so High? We dont even know if she was driving as we both use the same cars regularly Is it better to download an SD and complete or better to attend the court to do this as we are unsure as to what the court office has done this morning   Thanks  
    • They have to have grounds to disagree....its based on your Financial I & E..if all you can afford is £10pm...that's what they get if the court orders it.   You can fight a CO application...but as its a joint mortgage and debt...it would be very difficult..not impossible...but why bother ? 
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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EGGS cards PPI - Finally Getting down to it


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why cant you reclaim PPI against unenforceable debts?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no

and anyway I bet the debts are sold on and the OC doesnt own the debt now anyway [to whom your FOS questionnaire should go to]

so ............

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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How's eggs response to these claims then - green card they had no agreement and blue cards they just sent to me I think at one point I was paying £100 a month ppi as it varied every month of memory serves me correctly

 

They are over 10 years old now so out of time for collecting debt anyway aren't they?

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well ppi will vary with balance outstanding

 

 

egg are normally good.

 

 

sar to Canadian square address might be worthy.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no egg cough up typically

 

 

best you start a thread in the PPI forum and i'll move these posts over to it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

yes ofcourse you can

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

With regards to sending a SAR I have no account details to give the will they be able to trace my accounts on name address alone?

/

Also has there been a change in times they have to collect debts on a whole believe it was 7 years but has it been changed to 10 years now

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What 'time' there's been no change

 

If the debts have been sold on

They can't off set

You don't need any account numbers

 

But read the fully SAR link and all its posts

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

DCA might lift a sig

OC's wont

 

 

yes ask you might be entitled to 8% simple int

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 10 months later...

Hello all

 

I am finally sitting down to deal with my SAR for PPi claim.

 

I was all organised and have my cards with account number to send SAR however cards have vanished....

 

Now I no longer have account/card numbers what changes do I need to do to SAR when I am missing these details?

 

I followed one of the ads on CAG which lead me to a company that does searches for you - Is it better for me to do it this way? Will them running this check effect my credit rating / will they need to run searches.

 

Tired and old !

 

OSW

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Sar does not effect cra file

Click sar and read all the posts there too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
:pray2::pray2:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you want all the info

else how do you know their refund is correct?

 

always best to use the FOS questionnaire.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 4 months later...

What I'm looking for onsite is the second letter (the actual reclaim letter/where you have to detail why you think it was miss sold) as SAR requested already completed just waiting for me to sift through the statements. But can't find the link to this doc someone point me to the link please.

 

 2 accounts with Egg CC do I have to submit them separately I don't think I have to - but just could do with clarification.

 

had my SAR docs for at least 3 months but only just getting down to it.

(Historically I've always done my paperwork between Christmas and New Year strange I know)

 

Be great if you could paste the correct link here because for love nor money can I find it onsite.

 

Seasons Greetings one and all hope you have a Fab Christmas and a Happy and healthy New Year.

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Card is only compounded whilst they charged it CISHEET

Then statint int sheet on that whole figure till they settle

 

Sheets an d guides are in the stickies

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • dx100uk changed the title to EGGS cards PPI - Finally Getting down to it
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