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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 Halifax Insurance


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After a lot of messing around trying to cancel my PPI on 2 loans i have with the Hailfax, i have finally had a letter from them this morning saying that they will cancel the policy.This was after about 6 weeks of them insisting i had to take out a new loan without PPI for them both, along with another £1000.00 on top of the original loan or loans (as they cannot just give you the same amount because they wouldn't be making any money swapping loan for loan "as quoted in my branch").

I am trying to sort out my finances as things are tight, and noticed on this site that you could cancel your PPI at any time.

My question is i took one loan out in Jan 05 and one in May 05 (why oh why i don't know) both have PPI to the tune of around £7,000.00 in total when paid up. Should i have 2 lots of PPI anyway with the same company, and also i went self employed in July 05 which they knew about as i opened a business account with Bank of Scotland which is part of the Halifax and recommended by the branch manager at that time.

 

Please help

 

Hope someone understands me.

 

 

:(

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi,

I have posted some notes here that may help you make some sense of the PPI Racket as we call it..

 

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

 

Having 2 Loans both with PPI is fairly common, Each PPI policy will only cover Payments on the Loan that they are attached to.

 

Re the self employment, You would have to check the Terms and Conditions of each PPI policy to see if they did cover for self Employed, some policies do but most dont.

 

If they have cancelled the PPI without you having to take out a new agreement they could do 2 things here, they will kore than likely take the PPI off and pay any refund into your loan accounts, they can then either Reduce your monthly payments, or keep the monthly payments the same and reduce the Term of the loan.

 

Have they told you How much of a refund they will be giving you for the cancelled policies?. I think you will be shocked at how little the refund will be.

 

Another option you have of course , If the PPI policies were mis-sold to you eg, No PPI no Loan then you can try to recover the full policy costs plus interest.

 

Good Luck

 

and if you need any help Just Shout..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 3 weeks later...

Hi everyone

 

Spoke to someone this morning regarding the cancellation of my PPI and what my new payments should be.The very nice lady informed me that ist hasn't been cancelled and they had sent out the wrong letter, again saying that i could only cancel by taking out a new loan with out PPI. What can i do now?

The Halifax insurance tell me they can't cancel PPI to go to the branch, and the branch tell me they can only re-issue a new loan without PPI but at a higher rate than original.

 

In a real mess and confused:confused:

Plaes help

 

Snowjo

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi everyone

 

Spoke to someone this morning regarding the cancellation of my PPI and what my new payments should be.The very nice lady informed me that ist hasn't been cancelled and they had sent out the wrong letter, again saying that i could only cancel by taking out a new loan with out PPI. What can i do now?

The Halifax insurance tell me they can't cancel PPI to go to the branch, and the branch tell me they can only re-issue a new loan without PPI but at a higher rate than original.

 

In a real mess and confused:confused:

Plaes help

 

Snowjo

 

 

Hello,

What does it say in you cancellation paragraph ? when does the cover end or /and when can you cancel it(if you can)?

 

 

have you got the copy of the agreement?

 

 

regards,

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Oh here we go again, The only way to cancel PPI is to refinance the old loan with PPI and take out a new loan at a higher rate without PPI.. What a load of ^^%$& Pardon my french..lol These companies really take the P over PPI.

 

PPI can be cancelled at any time, the original CCA can be ammended without the need to take out a new loan.. They are simply trying to get you to go away.

 

I originally had that sort of response from one of the High Street Banks, but in the end I got the Full PPI cost and interest refunded (as a Gesture of Goodwill, as they were scared to stand up in court), without changing the original loan agreement. So it can be done but they do not like doing it.

 

As Maria says if you have the terms and conditions of your agreement and PPI have a good look through it and see what it states regarding cancelling the policy.

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thank you Ian,:)))))))))))

 

Kind regards,

 

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Thanks Guys for the advice

 

I have read the policy again and it clearly states, if wishing to cancel the policy within 30 days providing there hasn't been a claim i will be refunded in full. If after 30 days write to Halifax insurance giving them 30 days notice.

 

I have done this and i have had 2 letters stating that hailfax insurance don't cancel policies its the branchs job.

The branch can't do it either only if replacing with a new loan at a higher interest rate than original one and a £1000.00 on top.

Then another letter from Halifax insurance saying the PPI has been cancelled for one of the loans and to get in touch with the branch who will arrange the new payments.

The branch refer me back to Halifax insurance.

 

Pillar post Post pillar

 

Is there a stronger letter that i can send to them to get them to take me seriously.

 

Cheers Jo:confused:

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hello,

I think its pointless to disscuss anything with the branch. i believe the customer service there is so poor..write back to them refusing to take a new loan and advise them that you are going to contact Trading standards, OFT, FOS, complaining about there selling procedure...and do so.

 

You are not obligated to take a new loan if you do not want to. Check your T&C,PPI cancellation policy..i am more than sure it doesn't say there you have to take a new loan to have your PPI removed...

Ask them to advise you in writing how much is rebated to your account( after PPI removed) and decide if you want to claim it back.

 

 

Regards,

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Morning

I am going to write to them this morning

thanks

 

Will let you know how i get on

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi Guys

 

OK so last week i wrote to the Halifax informing them again that i want my insurance cancelling and gave them 7 days to respond, failing that i said i would do as ITSMEANDONLYME advice to report them to the OFT, FOS and trading standards. Guess what ???? heard absolutely nothing from them.

 

Do i do exactly that and not write any more to them or how else shall i go about it

 

 

Help

 

Snowjo

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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  • 2 weeks later...

Hi everyone,

 

I have quite a few things going on at the moment, sorry its been so long. AFTER WRITING TO THEM ONE LAST TIME,Received another letter from the halifax insurance stating to go into the branch and have the loan rekeyed if there are any problems to get the branch to ring this number so they can go through with them how to rekey.

Just got back now and what a waste of time and money that was.

They said i would have to take a new loan, showed them the letter and the perdson on the end of the phone stated that they have sent me this letter, because they thought that the branch maybe able to explain it better time that yu have to have a new loan, new term,new interest rate.

 

Patronizing B########S

SPRINGS TO MIND.

 

 

just wanted to get that off my chest

 

 

Also can you tell me where i can get a copy of my insurance t & c as they wont send me any. have requested them twice and they have sent them for bank of scotland insurance but mine is with the Halifax any suggestions as think i was mis sold now and just trying to confirm this..

 

Snowjo

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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  • 1 month later...
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