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    • so when you have acknowledged the claim tell us all about the event and what paperwork you still have regarding it. i see it is the E london business centre so were you there on business or just dropping the car off to go elsewhere?  now that can make a difference to whether you have actually been offered a contract to park or not. we will also ned to see the signs and whislt you are at it you make a plan of the site and label where each of the signs are and whetehr they are illuminated, what size they are , how far off ground etc
    • Did anyone see the article about the Observer being given footage of Steve Bannon talking about how he helped Boris write a speech about his resignation?    Boris is denying it,  I just hope that someone confronts him with the film clips. 
    • so my opinion is that you were not offered a contract to park fr the following reasons. no notice warning you at entrance from public highway that the land is covered by conditions that you shoudl consider before entering . the  sign that is 12 feet off the ground isnt a contract but an invitation to treat the sign on the corner in the same photo doesnt offer a contract to park to the public but prohibits parking for the public in certain areas and only makes an offer to a limited number of people for some other spaces and if you are not a permit holder nor a pub customer then you are not being made an offer of terms. No indication of who is offering  this invitation, no company address or ATA membership indicated so that  breaches the POFA and break the CoP for the BPA and that means no liability is created Now as the space is a right of way to a number of occupiers of the buildings surrounding the  area it would be wise to look up who actually owns the land and what covenants cover its use by either being included in the deeds of the land or by way of 8 years continuous use to create such rights.   The pictures are too blurred to be of any evidential use, you have to go back and take good clear pictures of the signs so all of the small print can be read ( last picture OK) also take picturs of the car park and any other marking you can see so when they say yellow spaces are such and such then you need to show that it isnt that well defined. Also of yellow area is for authorised users how do they determine who is authorised as it isnt their land and they only use CCTV to grab reg details so they wont have a clue that the James Marshall centre gave you permission to park up because they didnt ask either you or them ( for example).
    • You have fewer rights, not no rights. You can't take your employer to Employment Tribunal for Unfair Dismissal in most circumstances until you have worked there for 2 years. But you can take your employer to Tribunal to recover unpaid wages however short a time you have been there.   But your concern at the start was "... when I leave next year, will they pay my overtime" so you are planning to leave anyway?  Have they paid you overtime up to now? If so your payslips will be evidence that under your contract they pay overtime so if they don't you can bring a claim for unpaid overtime agaisnt them. Do you have any reason to think they won't pay it?   Keep your payslips!        
    • In the first two years they can pretty much get rid of you for any reason (or even no reason!), so it's perhaps a bad idea to give them any excuse until the two years are up.  Even then, establishing that say, you've been unfairly dismissed, is not always easy.   In the first two years I think you would be able to sue for "wrongful" (as opposed to "unfair") dismissal, but there you are talking about legal differences beyond my competence.   Is there a problem other than the lack of a written contract?  You could ask again (tactfully).  eg "Oh - I've just realised that I don't seem to have a copy of my terms and conditions.  Can you let me have a copy?"  If they keep refusing you might decide that either (1) there's something funny going on here, or (2) they're simply incompetent.   Assuming you pay tax and NI, you may want to check with HMRC that deductions are being paid over to them.  (I assume you can do this without your employer knowing - others will know how).   Are you being paid for overtime worked?
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joox

Capital one Credit Card PPI claim

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My partner finally decided to claim her Capital One credit card PPI.

The card was issued in 2003 which was more or less when PPI was introduced I believe with a avg credit amount of £500.

About 2 weeks ago she made a claim using the Capital one/resolver online application.

 

The original card application was completed on the phone and her complained was it was not fully explained to her what PPI was and why she should be accepting.

 

Within a week she received a reply stating she was not eligible for a PPI reclaim due to the following reason:

 

aged 16-64

Employed and paying class 1 NAT INS

Living in UK

 

Based on the above we are confident the PPI was not mis-sold !!!

 

They confirm it was sold on a telephone application which they do not have the recording !

 

How is this confirming that it was not mis-sold ?

 

They have however agreed to just over £1200 as a result of redress scheme which was introduced in 2014 re a high commission rate which is unfair to the consumer under the CCA 1974.

 

Not sure how to work out the PPI as not much statements are available.

 

Given the above info, what would be the best course of action?

 

Thanks in advance

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Do an sar

Resolver is useless for reclaiming ppi

Is this a plevin refund or ppi premiums


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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Plevin.

When you apply for the PPI refund on Capital One site, I think its somehow monitored or connected to Resolver.

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well you cant have both.

either you accept a plevin refund of the hidden commission they got

or

you put in a claim for the PPI premiums back.

without all the statements via an sar, you nor us are in any position to know whats best.

but the fact that they have refunded under plevin sort of admits it was mis-sold...….

Edited by dx100uk
spelling

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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Not looking for both!

 

just asking to see if its worth not taking plevin and going for the full PPI repayment instead.

And what happens if she accepts the plevin and then still pushes on for the PPI.

 

Based on their reply, what exactly proves it was not mis-sold?

just confirming the fact she was working and aged over 16?

what about all the sales pitch she must have received.

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one or the other

she cant accept plevin then go for PPI.

 

you've nor we have anyway of knowing without getting all the info via an sar

you never know what notes are in the comms log that might either float or bomb their claims in was unadvised.

 

not 100% sure on 2003 but on many cards cap1 cards there was a little white sticker that gave a number to ring that said call me to activate.

the truth is the card was already activated and it was to activate the PPI.

 

so she solely applied for the card over the phone, or was it, as I suspect, after returning a mailshot or a magazine application form?

 

you see, there so much information to gather before an informed decision about which way to go is made...

 

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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Right so if she does request SAR, how long does it take to have the info and how far down the process will the plevin payment offer expire? also what information on the SAR can effect the process?

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read sar


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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Will be sending off the SAR request this week. Have read the SAR thread but just to double check, does request SAR effect the current plevin payment offer at any point?

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its your legal right


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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thanks. so how far down this process will they cancel the plevin payment?

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not sure where we've stated they will

its for you to refuse it if you feel the refund of the actual PPI payments is going to gander more money and succeed


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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We have just received the SAR from capital one today.

What info do I need t look for?

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the statements 😬


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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What should we be looking out for? there are about 500 pages !!!!

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ppi every month


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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Ok we know there was a ppi agreement in place and Capital One refused the claim.Also, they mentioned they lost the phone conversation for the application. What steps do we need to take now?

 

record all ppi payments

 

 

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it will show on every statement whilst it was active


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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Would appreciate a quick guide on what steps to take in getting back to Capital One

 

1. record all PPI payments from the statements.

 

Then what?

 

Esalte the company to  Financial Ombudsman Services?

 

 

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so you now know the months it was charged and how much each month?

 

is the card still active?


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 it is

once i have all the ppi payments, what do i do?

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pop each one on its date in the CISHEET

enter their avg int rate in cell d15


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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Have been going through the statements and finding the avg charge per month to around £7. does this work out the payout would be around £1500 max if they accept to repay? Based on under 13 year and 8% interest per year. 

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You dont avg the monthly ppi

You put each one in the cisheet

You might want to a vg the apr for cell d15 though


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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Posted (edited)

so how do they work out the final payment if the avg payment is around £7 ?

Edited by joox

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