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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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Wow,

 

Congratulations!!!.

 

You have had really good progress. Very many thanks to the forumn. Keep going.

 

Just curious. What was the other element that is not missold PPI refunded to you please?.

 

As I am in a No CCA no pay situation currently with RBS. They have paid me back into the loan account missold PPI totalling around £10k now, but I am more disputing the loan's legitimacy now as there is no CCA.

They are in the mean time not agreeing with me hence they have trashed my Credit fil.

Dont really know what to do right now, in a bit of a cogma and anxiety.

Do you have any advise please on how to progress the no CCA no pay process.?

8-)

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dx- having a less than satisfying experience with FOS. Apparently the concept of refunding interest on PPI premiums is entirely new to them. Im having to walk them through it.

 

Could be setting a precedent. Decision will effect all future CC adjudications/ Ombubsman decisions- OFFICIAL.

 

Been ploughing a lonely furrow in this case, would you mind if I PM'd you about this?

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same tact i'm using

 

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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  • 2 weeks later...

I got a very good result with the one which came the closest to not being mis-sold - Barclaycard. They refunded more money for the PPI as which I claimed and they also refunded the charges plus interest. I am waiting for the last claim from them - mis-sold ID Theft protection.

 

RBS and HBOS went off to the FOS. I didn't apply at all for PPI, therefore it is no-sold! They refunded, HBOS the premiums + some interest and RBS only the premiums, but refused the required redress.

 

I am claiming the following when claimimg back PPI:

1. The premiums

2. Interest on it

3. The theft charges as a direct result of the premiums+interest

4. The interest on the theft charges

5. The interest on the interest on the premiums and interest on the theft charges

6. 8% single interest when the account was in credit after the removal of all these amounts

7. A statement and a detail explanation how the redress has been made.

 

I based these claims on the recommendations of the FOS:

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/redress.html

 

I created and fine tuned a spreadsheet to calculate the redress and I tested it with some of the examples from their web site and are confident that it works fine. Can provide it to anyone interested in it.

 

The FOS make it clear that a redress should be done in such a way that it will put the account back in the position it would have been should the PPI premium not been made while the same monthly payments has been made. taking this into consideration then all the above mentioned amounts make sense. The FOS DO mention charges by name and they even mention late payment charges, not only the over limit fees.

 

The FOS also requires that the company send you a statement and a detail explanation how the redress has been made.

 

 

 

P.S. After a SAR to Barclaycard I received the transcript of my phone conversation when they sold the PPI , which contains standard questions. I built my claim around that converstaion. I can post the standard question as well as my claim should anyone ask for it. The claim worked like a charm, I send it in and 4 weeks later received a very positive response with them stating that they failed to provide me with the correct info when selling the PPI

Edited by lord_tiger_putin

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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Hi LTP

 

Very well done on your success!

 

I am very interested in your theory regarding having the charges that were applied as a result of the addition of mis-sold PPI refunded.........I agree that the FOS factsheet quite clearly refers to charges caused by the application of PPI.

 

In my own case though the PPI and loan were serviced by a current account which then incurred charges as a result.

 

Do you have a specific thread regarding this you could point me in the direction of please?

 

Keep up the good work!

 

Landy x

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Hi LTP

 

Very well done on your success!

 

I am very interested in your theory regarding having the charges that were applied as a result of the addition of mis-sold PPI refunded.........I agree that the FOS factsheet quite clearly refers to charges caused by the application of PPI.

 

In my own case though the PPI and loan were serviced by a current account which then incurred charges as a result.

 

Do you have a specific thread regarding this you could point me in the direction of please?

 

Keep up the good work!

 

Landy x

 

This is the way I worked it out and I applied it on the FOS examples. These examples do not include charges on the values provided but the various interest work the same. I believe my arguments are correct but it is still only my interpretation.

 

You will need all your statements to get the relevant balances and interest you paid, as well as the PPI premiums and charges.

 

Take the balance of the first month and calculate the interest of the PPI premium (this is similar as the interest claims on the bank charges thread and the spreadsheet in that thread, I think the thread is by Bankfodder). You can do that by dividing the interest by the balance and multiply the PPI premium by that (or you can calculate a %).

 

Add the next months premium to the previous months' premium (the bank do owe you now 2 premiums) and calculate the interest on that by creating a cumulative PPI premiums column, always use the cumulative column for interest calculations because that what is owed to you.

 

Create a column of the cumulative interest paid (they add up every month) and a column where you add the cumulative premiums and cumulative interest (this is the amount that are owed to you by the bank).

 

Deduct this column from the statement balance to give the REAL balance. If you incur an over limit charge but the REAL balance is below your credit limit, then add this charge to a column for charges. Calculate the interest on these charges similar to that of the PPI premiums. Create also a column for cumulative charges and cumulative interest on the charges. Calculate the interest on the cumulative column because that is what the bank also owe you.

 

Create a column where you add the cumulative interest on the PPI premiums and cumulative interest on the charges. Now calculate the interest on that. Once again, create a column for the cumulative interest on interest and also subtract this from the statement balance to get the REAL balance.

 

Other words, create a column where you add the cumm PPI, cumm interest on that, cumm charges, cumm int on charges and cumm interest on interest. Subtract this from the statement balance every month to give every months' REAL balance.

 

Should this REAL balance go into credit, calculate 8% simple interest on the balance (for every month in credit it is 8/12% on the REAL balance of that month and here you do not use the cumulative values).

 

 

It could be that the earliest over limit charges will be applicable but very soon no one will be valid anymore and by deducting the invalid one makes the changes that the rest are invalid more likely because they do accumulate.

 

 

 

Remember that these premiums have the following ramifications:

The banks charge interest on them.

They can be the only reason for be over your limit and the banks add charges as a direct result of the PPI premiums.

The banks charge interest on these charges as well.

The banks continue to charge interest on the interest.

 

In the end it adds up to a significant amount!!

 

I found that by removing all these amounts usually wipes out about 2/3rds of the balance!! (Given that there are a number of charges).

 

To me this is one of the best ways of getting these theft charges back!! I also ask for all the charges to be refunded because it would be hard for them to argue not to give it if they refunded most and it seems that the FOS also believe some late payment charges should be refunded.

 

In my complaints to the FOS I included these calculations and I made extensive use of their recommendations in my complaint but I do send a follow up letter to the bank including these recommendations and calculations, therefore, should they still refuse to do a proper redress, then they have no excuse and I do ask the FOS for consideration of a payment for distress and inconvenience because the financial business rejected the redress that it knew (or should have known) that the ombudsman service would uphold.The FOS usually grant a £200 -£300 payment for it.

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“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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In my own case though the PPI and loan were serviced by a current account which then incurred charges as a result.

 

These calculation is for Credit Cards. In a fix amount loan the interest are in the premiums but the FOS recommendations is that you should get back 8% single interest. Therefore you could calculate the cumulative premiums for every month and add that to your current account balance. If that reduce your over draft amount for that month to below the limit, then you should get back the over limit fee. I believe that you can add the 8% as well because the recommendations state that it should be calculated from the date of the premium been paid until the date of refund, clearly indicating that the bank owes you that money from the date it left your account.

 

I believe this argument to be in line with the general line of argument and I thought your situation is rather interesting until I realised I have a similar situation!! HSBC refused to refund the theft charges on my current account. I claimed back the PPI but they refused the one policy on the loan and I have referred that to the FOS. I send other claims to them and will see what comes out of that but this is certain a very worthwhile line to follow!!!

 

This could be a very good way of getting bank charges back!!

 

These premiums will probably take care of most of the over limit fees and declined DD/SO charges. Probably also for bounced cheques, what about claiming for damages in these cases????

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Yes L_T_P

 

Well done...some amazing detailed work I must say....but sure we could benefit from this

 

rgds

m2ae

 

Here is an example of the spreadsheet i used. Should anyone want to use it, do it at your own risk. I removed my personal data, hopefully that didn't messed up things.

 

You will have to fill in the cyan parts.

Redress.xls

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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I frimly believe that getting the PPI refunded is only half the story, a proper redress is just as, or even more, important. the crucial FOS statements are these:

 

"Our normal approach is to try to put the consumer back into the position they would have been in but for the failure on the part of the financial business. "

 

"The reconstruction of the credit-card account, to work out what the current balance would have been (where the account remains open) – or what the closing balance would have been (where the account has been cleared or closed) – if the consumer had made the same monthly payments but without PPI."

 

To put you back where you would have been should you have made the same monthly payments but without the premiums leaving your account.

 

This open all the issues mentioned above but also credit file entries! The balances that were reported were incorrect, default notices issued could be miles out in the amount of arrears. etc. It could well be that a default notice was isued and a Default registered on the credit file when the account was actually in credit! (CrapOne in my case).

  • Confused 1

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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These calculation is for Credit Cards. In a fix amount loan the interest are in the premiums but the FOS recommendations is that you should get back 8% single interest. Therefore you could calculate the cumulative premiums for every month and add that to your current account balance. If that reduce your over draft amount for that month to below the limit, then you should get back the over limit fee. I believe that you can add the 8% as well because the recommendations state that it should be calculated from the date of the premium been paid until the date of refund, clearly indicating that the bank owes you that money from the date it left your account.

 

I believe this argument to be in line with the general line of argument and I thought your situation is rather interesting until I realised I have a similar situation!! HSBC refused to refund the theft charges on my current account. I claimed back the PPI but they refused the one policy on the loan and I have referred that to the FOS. I send other claims to them and will see what comes out of that but this is certain a very worthwhile line to follow!!!

 

This could be a very good way of getting bank charges back!!

 

These premiums will probably take care of most of the over limit fees and declined DD/SO charges. Probably also for bounced cheques, what about claiming for damages in these cases????

 

Thanks very much for your help with this L_T_P - I appreciate your advice!

 

I have actually referred mine to the FOS now and am waiting to hear back from them. Will let you know how I get on.

 

Landy x

Edited by landy_alert
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Thanks very much for your help with this L_T_P - I appreciate your advice!

 

I have actually referred mine to the FOS now and am waiting to hear back from them. Will let you know how I get on.

 

Landy x

 

I spend some time thinking about it and created this thread to see what other people think:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?283400-Claiming-back-bank-charges-%E2%80%93-The-PPI-approach

 

I assume one cannot add the 8% interest to your current account balance but you should certainly add the debit interest over paid as a result of these premiums, the premiums, ineterst and the charges will quickly add up to a credit balance and one should also claim the credit current account interest after calculating the REAL balance.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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RBS and HBOS went off to the FOS. I didn't apply at all for PPI, therefore it is no-sold! They refunded, HBOS the premiums + some interest and RBS only the premiums, but refused the required redress.

 

Received a letter from Halifax (Aqua card) today and they refunded all the over limit charges PLUS the correct interest PLUS the interest on the interest!

 

They stubbornly refused to refund the charges before, I tried all the angles I could but in the end PPI did the trick!

 

Just have to get the right PPI interest out of them now!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Here is an example of the spreadsheet i used. Should anyone want to use it, do it at your own risk. I removed my personal data, hopefully that didn't messed up things.

 

You will have to fill in the cyan parts.

 

Anyone interested in using this spreadsheet just 2 points of caution.

 

It doesn't check that the REAL balance is lower than the statement balance when an over limit charge was applied by the bank. You can manually check that and if not, simply delete that charge. This would only happen in the beginning because the amounts to be deducted increase rapidly and making the REAL balance always lower that the statement balance.

 

The 2nd point is that there is no built check to ensure that the amount of interest been claimed back is lower that that actually applied! This can happen when the REAL balance goes into credit but the statement balance is still in debit. This can also be checked manually.

 

I can produce an updated version with these checks at a leter stage so that it will be suitable for general use. I will be out of the country for 3 weeks and could do it then.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Just have to get the right PPI interest out of them now!!

 

Had a phone conversation with and gee, they are changers!! (don't we already know that??).

 

They stated that they refunded the interest that I have paid on the PPI premiums. Apparently the first part of your monthly payments goes towards the payment of the PPI premium and you incurred interest for the time frame between the premiums been added and the payment received.

 

THIS IS NOT WHAT THE FOS SAY SHOULD BE DONE.

 

They should not calculate the interest on the PPI premiums, they should do an account redress!!!

 

This means:

 

"The reconstruction of the credit-card account, to work out what the current balance would have been (where the account remains open) – or what the closing balance would have been (where the account has been cleared or closed) – if the consumer had made the same monthly payments but without PPI. This should be calculated by deducting the PPI premiums and the interest and charges that resulted from those premiums (including those arising because the ongoing monthly balance on the credit-card account was higher than it would have been, if the consumer had made the same payments to an account without PPI). "

 

If there was no PPI, then the payments would have reduced the balance and you would have paid less interest each month!! The amount you would have paid interest on would be the balance after subtracting the cumulative PPI premiums, a significant difference! This is what the fos says:

 

" if the consumer had made the same payments to an account without PPI"

 

Therefore the point I want to make is this:

 

Halifax DO NOT refund the correct amount of interest when refunding PPI payments!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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  • 4 weeks later...
I got a very good result with the one which came the closest to not being mis-sold - Barclaycard. They refunded more money for the PPI as which I claimed and they also refunded the charges plus interest. I am waiting for the last claim from them - mis-sold ID Theft protection.

They refunded that (ID Theft Protection) as well, plus the requested interest!! My balance went from more than £600 in debit to around £200 in credit without me paying a penny!!

 

I have to say, Barclaycard seems to be the one with whom I had the best dealings with. The others seems to take their changes are really pushing their luck. Have to see what will happens with the FOS involvement.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Another one bites the dust (but not hard enough!!) - CrapOne.

 

They simply ignored my PPI claim and just inform me to forget the refund of the theft charges. After sending the claim to the FOS they turned up with an offer. The PPI premiums plus some interst and the charges with some interest but not the required redress. Will have to push this to see whether I will get the required interest (and interest on interest). Their offer is not to be ignored but I cannot see why they should not pay the extra £200 - £300. Will see wht happens with that!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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  • 1 month later...

this thread is for successes/concluded claims ONLY

please start your own thread for any other matters

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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  • 4 months later...

I have had success with Cahoot credit card. I realised last week that PPI was being taken with my monthly payments - I queried it with Cahoot and recieved a letter within a couple of days offering me 1600 in full and final settlement of my claim: no arguments, just held their hands up and offered to repay it as they could find no evidence that I had been provided with enough information to make an informed choice!

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i sincerelyhope they returned the payments with purchase interest included from the date of each payment to the date of your claim?

 

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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