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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Wellington court financial services ltd not paying out on FOS final decision RE: +£58k Pension- help enforcing & using form N322A - court claim issued


Simmonds7

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I won my claim through FOS which went to Ombudsman for final decision. 

 

They were given 28 days to pay which runs out this Friday 19th November 2021.  I am getting ready to file N322A form to courts so I can enforce the order.

 

  It has already been 2 years to get this far and I'm sick of being messed about so am going for it.  I will drop dead with shock if they actually pay on Friday.

 

  The question I have is how do I work out how much they owe me?  This is for a FA Company transferring a pension into a sipp.

 

  I put in a claim originally for £130,000 when I started the claim with fOS, using what the pension would of been worth if left where it was, interest and compensation.

 

  I have no idea how to work out what the amount is that the FOS have awarded using their formula.

 

  Help please.

Edited by dx100uk
added A few blank lines only..dx
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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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it can only be today value surely? 

 

i would assume you are talking about the statutory flat rate 8% interest ?

 

use the statint sheet it does it for you.

it was designed for PPI but same interest from fos

 

 

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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Thank you.

 

I am trying to work out what the Amount awarded is.

 

invested was £52,800.  Pension was valued at £92,000 by previous pension before moving into sipp. 

 

Fos award states...

The Orbis SIPP.........for half the
investment: FTSE UK Private Investors Income
Total Return Index; for the other half: average rate from fixed rate bonds.


From date of investment to date of my final decision


8% simple per year on any loss from the end date to the date of settlement

 

I work it out as follows...

£77,908.84 owed (used https://www.pensionclaims.co/pension-redress-calculators)
£44 Court fee
£1,478.95 sipp fees for 5 years (295.79 pa)
£300 compensation
£28075.13 interest from 2015 to today (on original £52,800)
Total = £107,806.92
£8,624.55 8% fee for late payment
Owes total £116,431.47

 

Would this be correct?  I don't want to put the wrong amount owed on Court form and give them am excuse to challenge the CCJ or get myself into trouble.

 

Thank you for all the help

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  • dx100uk changed the title to Help Enforcing FOS final decision using form N322A - FA Company transferring a pension into a sipp.

i know we have a few pension experts here i hope they will pop in.

 

could you not give the fos a quick ring ?

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

Hi.

 

I'm not clear what the screenshots and figures you've posted up represent - is that all the information you've been sent?

 

Someone I know deals with certain types of pension scheme and I managed to have a quick word. Normally the basis of the calculations should be included with the offer of compensation - is there more paperwork than you've shown us?

 

A couple of questions to start.

 

1. Were you taken out of a defined benefit [DB] scheme that guaranteed you a pension of a certain amount at pension age?

 

2. You've quoted various figures in post #5. How much was tranferred into the SIPP when it was set up?

 

3. Were you offered the possibility of being transferred back into the DB scheme if that's what you were in?

 

4. For what reason is it considered that you were missold the SIPP?

 

HB

 

 

  • Like 1

Illegitimi non carborundum

 

 

 

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The award states...

That for half the
investment: FTSE UK Private Investors Income Total Return Index;

for the other half: average rate from fixed rate bonds.

 

From date of investment to date of my final decision

 

Amount originally invested was £52,800

 

8% simple per year on any loss from the end date to the date of settlement

 

Had no communication from company that I have won against.

Edited by dx100uk
unnecessary previous post quote removed
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i have sorted your pdf its back up

i'll read later too see if i can help with correct calc 

though i suspect it will be the statint sheet you need as already pointed 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

An extremely quick read shows redress due regarding annual sipp fees too?

 

i can see this is complex and i think needs the fa to do something that the fos required them to do before a final figure can be realised??

 

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

Are these the people, Simmonds? They seem to operate in Ireland and Devon, although I saw an address in Melton Mowbray as well.

 

WWW.MONEYMARKETING.CO.UK

The FCA has stopped a firm involved in transfers out of a local government pension scheme from engaging in such activity. 

 

HB

Illegitimi non carborundum

 

 

 

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just type no need to keep hitting quote

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

  • dx100uk changed the title to Wellington court financial services ltd not coughing up on FOS final decision RE: +£58k Pension- help enforcing & using form N322A

This is from the Law Gazette about enforcing FOS awards. It's from 2014 but hopefully not much has changed apart from the amounts.

 

The article mentions the FCA who from what I've read regulate Wellington in the UK.

 

WWW.LAWGAZETTE.CO.UK

Why are attempts to enforce Financial Ombudsman Service decisions in the legal system so onerous?

 

HB

Illegitimi non carborundum

 

 

 

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I have finally had an email from Wellington court financial services ltd. 

 

Here it is, I'm am lost for words on their stupidity....

 

"Please kindly ask yourself the following basic principles of any enquiry/redress which should be based on the facts; “ what, why, when, how, where and who”, The Six Honest Men.


We repeat you have not been a client of Wellington Court Financial Services Ltd.

 

You have not received advice from Wellington Court Financial Services Ltd. There is no evidence that you have been a client of Wellington Court Financial Services Ltd for example; basic due diligence documentation, copy of ID or passport, copy of your utility bill, Know-Your-Client, Terms of Business, Suitability Reports, etc. Have you provided and obtained those documents from Mr John Picket of JCP Direct or any other third party?


Any redress should be forwarded to:
• Guinness Mahon Trust Corporation/Orbis SIPP, Hartley Pensions Ltd who acquired the pension assets of Guinness Mahon Trust Corporation and the trustee Hartley Pensions Trustees Ltd,
• and/or the person who advised you and/or you were speaking and instructing directly,
• and/or your unnamed accountant,
• and/or Mr John Picket of JCP Direct as confirmed by you who you were dealing with.


Please cease and desist from making an unwarranted claim and threats. Wellington Court Financial Services Ltd reserve the right to protect its interests and good name with the utmost vigour of the law.


Yours sincerely,
Wellington Court Financial Services Ltd"

 

 

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Made that up down the pub no doubt with their mates

 

Quite honestly i would be sending that to the fos.

 

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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