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    • Hobnail you don't know Elms too well yet. I am surprised that they got as close as they did to adding up to 30. I think the poor dears get confused because most other letters they send out are to give 28 days notice. They even  have difficulty with their two times table and often consult with the char lady to confirm that 2 plus 2 equals 4.  Just act on the notion that they are total numpties and you won't be far out.
    • To carry on from the above post it may be helpful to go through their WS using their numbers. 9] motorists do NOT accept the contract when entering the land. First they have to read it and understand it and then they realise that a] "No stopping" is prohibitive and cannot offer a contract. b] the signs around the bus stop do not mention who issued the No Stopping signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and the creditor be identified.  10]There is no mention of £100 charge for breaching the No stopping request or if there is it is far too small to read even for a pedestrian. 11] no matter how often VCS say it, it is NOT a contractual clause   22]" the claimant has given the Defendant its contractual licence to enter the site". No it hasn't. This is a road leading to the airport. All sorts of people are going to the airport-travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers, buses. It is absolutely ridiculous to attribute VCS wth any sort of permissions. The land owners yes, but not VCS . There can be no sort of analogy between a car park and a major thoroughfare where VCS have no place as it is not relevant land.   23] there can be no contract as there is no offer only a prohibition. And it is not relevant land no matter how Mr Walli attempts to prove otherwise. 25] VCS may have won a few times but none quoted was on an airport covered by the RTA and its own Byelaws. They also have lost more cases than they have won using their prohibitive signs. 26] First one has to consider if there is a contract. Is it relevant land? No. Does a valid contract exist betweer VCS and Peel? NO.  27] the signage at the bus stop may show the conditions ie  no stopping, and restricted zone but not the terms ie is there a charge for stopping and who is the creditor. The last section of the sign is illegible  29] already stated that a WS between VCS and peel is not a valid document 31] it will need more than the Claimants feather to outweigh the case against the Defendant no matter who was driving. 32] there is no law of agency involved. This is not a case of employer/employedd relationship. VCS are muddying the waters because they have no way of transferring the driver's liability to the keeper 33] this a red herring. There is no list of highways at all  on the Highways act 1980 so this is a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. 34] there ican be no comparison between a railway station and an airport. Totally fatuous analogy.  35] yes the landowners can bring in their own terms but what the cannot do is overrule Byelaws and the Road Traffic Act. 39] surely the paralegal cannot be that ignorant of PoFA. If Bye Laws are involved then the bus stop is not relevant land and so the specious argument about FGW is rubbish   36] what on earth is he talking about with Permits. There is no mention of permits on the signage and even if there were  would it mean that Permit holders were allowed to stop on No Stopping roads? There are enough examples on CAG to counter act their idiocy on continuing charging the extra £60   46] VCS had NO reasonable cause to apply to the DVLA for the Defendants details. No valid  contract with the landowners No stopping is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for a motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP so not valid the WS contract does not appear to authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land.   48] what is this guy on? You weren't in a car park you were on a bus stop 59] this case is totally without merit. I am not surprised that the paralegal will not be turning up. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. Could have been said in at least half the time without the repetition and trying to make a case where none was there. One particularly bad example of misdirection was in the photographs. The Clearway sign shown near the bus stop is very unclear  unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.      
    • just type no need to keep hitting quote...   your defence doesnt need any return of docs.. carefully read what has been posted here and in the other threads i pointed to in your old thread merged here too.   redwood/harwood or STA or brachers.   just use our enhanced google search box.   uni fees is useful too.   this guy is just in front of you    
    • Tech firm CEO Jeff Lawson warns bosses not to make hasty judgements about their employees.View the full article
    • I have just spent last few hours registering and signing up and filling in all the details.   Below is a POC I have drafted.   The defendant is a parcel delivery company DPD (UK) LIMITED On 09/08/2021 the defendant agreed to deliver the claimant's parcel containing a PlayStation 5 Disc Version value £530, to an address in the UK. The delivery fee of £7.79 was paid by the claimant. Parcel tracking number: ???????? Parcel reference no: ????????? The defendant failed to deliver the parcel and have reported it as lost on 20/08/2021. The defendant refuses to refund the full value of the item and the delivery fee. The claimant seeks £530 being the value of the item, £7.79 delivery cost and legal fees.        (Sorry for being stupid but this POC is supposed to go where it says    " Claim details Why you believe you’re owed the money: " right? Reason why I'm asking is because I don't see anywhere it specifically says what are your particulars of claim)   Tomorrow being the 15th day, I will be ready to click it off (assuming the POC is ok)    I have read a few more hermes/packlink etc stories where they were resolved and gives me hope I will regain my lost money.  Will carry on reading up as much as I can.  
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PPI Insurance


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Hi, this is my 1st thread so please be patient as it is a bit long winded.

 

I applied for a secured loan of £25,000 from Barclays in Sept 06. The salesman advised that I would be better off having £25,100 as this would be a better loan for me. Stupidly I agreed. He advised that I would need PP insurance, I explained that my Company pay full pay for the 1st 6 months sick and then half pay after that. I also told him that I was awaiting an operation for a back injury which would take place in Jan 2007. He said that I would still need this insurance but that it wouldn't pay out for the operation. He explained all about the payments and that I would be paying £54 a month for the insurance. I have since looked at the policy and it appears that PPI was added upfront for £6,500! I am in the process of remortgaging and asked for a settelment fee for my loan, incredbly they want just under £30,000. I rang and spoke to them and they told me that I should have read the small print (which is not clear that you are being charged upfront). They advised that included in this settlement fee is £4,750.00 for PPI insurance. I would like to claim this back, does anyone know of any forms or letter templates for this.

 

Many thanks

 

Lorn 250

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Hi, this is my 1st thread so please be patient as it is a bit long winded.

 

I applied for a secured loan of £25,000 from Barclays in Sept 06. The salesman advised that I would be better off having £25,100 as this would be a better loan for me. Stupidly I agreed. He advised that I would need PP insurance, I explained that my Company pay full pay for the 1st 6 months sick and then half pay after that. I also told him that I was awaiting an operation for a back injury which would take place in Jan 2007. He said that I would still need this insurance but that it wouldn't pay out for the operation. He explained all about the payments and that I would be paying £54 a month for the insurance. I have since looked at the policy and it appears that PPI was added upfront for £6,500! I am in the process of remortgaging and asked for a settelment fee for my loan, incredbly they want just under £30,000. I rang and spoke to them and they told me that I should have read the small print (which is not clear that you are being charged upfront). They advised that included in this settlement fee is £4,750.00 for PPI insurance. I would like to claim this back, does anyone know of any forms or letter templates for this.

 

Many thanks

 

Lorn 250

 

I have put some info on your ppi thread :D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Lorn250

 

I got heavily sh*t on in exactly the same way though not by a high street brand name. The objective of getting you over the £25k barrier is that it then becomes an 'unregulated' credit agreement and thus giving you less protection under (i believe) consumer credit laws.

In principle exactly the same thing happened, the PPI was sold to me on the basis that I would get every penny back in 10 years time (this was on a £35k loan over 20 years). However, life changes, and I was in a position to finally get out of life long debt, so 15 months after taking out a £35k loan I asked for a settlement fee, and yep, you guessed it, they put the £10k cost of the insurance onto the loan amount (so you also pay interest on that aswell) and my settlement figure was just under £45k - But whats worse (and believe me, I threw myself down the stairs many times over this, the b***ard insurance was only for 5 years!!!) cleverly put in small writing (and i mean small 1mm high text) that said "Should the loan duration exceed 60 months, your insurance will terminate on the 60th month" This was how they told my that the £10k insurance fee would only cover the first 5 years of a 20 year loan! - Despite numerous visits to the CAB and even to solicitors at my expense, there was no way out for me. so I paid up and swore never to get caught out again.

 

From your perspective though I would definately say that getting you to agree to the extra £100 (to push you out of the regulated credit agreement envelope) was as good as miss-selling because this makes it easier for them to avoid any fallout from the Consumer Credit Act 1974

 

Not sure if the following hyperlink will appear on here but it will explain what protection a regulated credit agreement would of given you if you hadn't taken out the extra £100

 

Consumer Credit Act 1974

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