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    • Hello. I feel this may be considered to be a petty complaint on my part but would really appreciate views and insight please and I promise to wear my big girl pants and not take offence.  I have lived in my home since 1986. My neighbours moved in a year or two afterwards. In November 2013 I had solar panels installed optimised individually by solar edge and the panels are meant to be ' self cleaning'.  On Wednesday 21.8.19, my semi detached neighbours had a new TV aerial and a satellite dish fitted. It's near to my boundary wall,but clearly fitted on their own wall. I did not look out while his installer was working and did not know what had been done till I went to the front door to see what all the drilling was about then later to get washing in and saw the items on a flex pole. My issue, and this may be where you say I'm being petty, is that the  aerial is angled back and is over my airspace and sitting over my end solar panel. I went next door and told my neighbour my concern about birds sitting on the  aerial and guano issues as well as shading potential interns of the panel.  He said he'd ring the installer. Next morning, he is cleaning in his garden. I saw him and asked if he'd spoken to his installer. He said yes and the chap couldn't get back for 2 weeks.i asked if it could not be sooner, could the aerial not just be slightly moved when the discussion became heated. He said I had no rights to the space above my roof, I had to look at other aerials In the immediate area and he'd taken pictures and would do something if birds mucked Inthe panels and if it was him, he would have bought panels from a company who visited to clean them. I told him I fully appreciated the signal issue but asked could he not have the aerial on the chimney as I do and he told me not to be stupid as he had a dish as well and dishes cannot go on a chimney. I told him I was aware of this. He was by now shouting at me to listen and as I said, it became heated. He then said if I thought the air above my homeward mine I could sort the issue and he would cancel the installer call back. I rang his installer. My neighbours had not recontacted him. He asked if my concern was birds pooping on my panels  and the metal Ariel shadow would have no impact on panel generation and he would ring my neighbour. I am on my own and hate conflict and feel a little intimidated, but am also sure I've done nothing wrong. He told me it was my responsibility to have come out as the work was being done. So, please be frank, am I being petty? Should I just live with this ? I'm aware neighbour issues can escalate and have no desire for that, I just want the darned thing angling slightly away from my solar panel. My aeriels are the chimney ones...his is the new one at the front aspect. Thanks for reading this. 
    • Sorry I should have seen that. Vcs always reply to SARS at the very last minute 
    • Sar(email to VCS) went on 07/08/19 and CPR letter went on 14/08/19 to dcb legal.
    • 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. 
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onestressedwoman

EGGS cards PPI - Finally Getting down to it

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why cant you reclaim PPI against unenforceable debts?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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

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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 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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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 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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no egg cough up typically

 

 

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


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 ofcourse you can

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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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 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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DCA might lift a sig

OC's wont

 

 

yes ask you might be entitled to 8% simple int


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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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 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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:pray2::pray2:

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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you want all the info

else how do you know their refund is correct?

 

always best to use the FOS questionnaire.


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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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 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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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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