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    • 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.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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      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.

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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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I claimed against HSBC for 1 loan I had more than 6 years ago. They replied having found another 2 I wasn't aware of that were older.

 

Got an offer today of £3572 for all 3.

 

Lloyds did that with me on an old business account for my company, I claimed one, they came back with another one as well! Thank you Lloyds, although I am still miffed they pushed the PPI on me in the first place the way they did...success though.

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I claimed against HSBC for 1 loan I had more than 6 years ago. They replied having found another 2 I wasn't aware of that were older.

 

Got an offer today of £3572 for all 3.

 

Sent the confirmation off on the 5th and it got paid in today. Only 7 days! I was expecting 4 weeks!

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Hi all. Just had to register and tell you an almost unbelievable story...

 

About 6 months ago, I went to my bank (LTSB) and told them that I felt I had been missold PPI on my first loan going back about 15 years ago (or more). I told them that I wanted them to send me all the details of all the loans I ever had from them. They said they would try, but going back that far was difficult.

 

Anyway, about 2 months later, they rang me at home. The woman on the other end asked if I would like to make an appointment with an advisor to see if they could help me with my account. 'Hold on' I said, 'what have you lot done about my loans information?'. She was confused and said she knew nothing about it and that there were no records of me making any request for the details (LOL). I explained that I wanted the information so that I could take it to a company that deals with PPI claims. She told me that they could do all that and that there was no need for me to go to a third party. 'Oh yeah' I thought, but after quickly running through the reason why I thought I had been missold the protection, she said something like 'oh dear, I am so sorry' and then she said that she would personally put the claim through.

 

A week later I had a letter from the bank's own investigation department, saying all was underway and I may have to wait up to 12 weeks for a decision.

 

A few days before Christmas, I received 5 seperate letters from the bank offering me a total of just over £18,000. The said they had to guess the amounts from the older loans.

 

I can't believe it. Not one form filled out. No one questioning the validity of my claim. Anyway, all good :)

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lloyds guestimating for you

now thats RARE!

and coughing on old debts too

 

it would be nice if you start a thread in the PPI forum

and we go through these

as there are many many people on hear that have been batted away with the

we have no paperwork - sri cant cough excuse fromthem

 

please tell us more

 

start a thread

dx

 

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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Well, I thought 'PPI Successes' thread would be the perfect place to post in. If you wish to move this to a new thread then just tell me where you have put it please ;)

 

There is no more to tell really. The only bit I didn't tell about was my reasons for thinking I had a claim. My very first loan was about 15 years ago and was for £7,500. I basically had about the same running ever since. The LTBS blokey (Mr G) that dealt with that first loan (and I remembered his name, which may have helped) told me that if I didn't have the PPI then I wouldn't get the loan. He said it was an unspoken bank policy. Simple as that! The thing is, I told the woman (on the phone) that I continued with that in mind on every loan since. Which was no lie. I never once claimed a penny or missed a payment on any loan. Not sure if that makes any difference.

 

Edit>> It was actually 18 years ago. Shocked!!

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no i just didnt want to clutter up this thread with the details

so you rolled over loan into loan?

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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Just had a PPI reclaim success with HSBC. Reclaim for 1 loan of 2, that ended last year. I didn't have the paperwork for the other loan and tbh I'm a bit lazy so couldn't be bothered with the SAR etc :) I put the questionnaire in at the end of November and just had an offer letter back last week, offering me just over 9k for both loans! It was far higher than I expected so I'm well pleased, especially with my first holiday in 6 years coming this May that's now all paid for, including a nice room upgrade with the money :)

Apologies for the formatting in my posts, I do put paragraphs in but the forum removes them for some reason :(

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I've just recieved an offer of £1200 regarding ppi from lloyds how do I know if this is the correct offer I'm entitled too , I'm currently using a company called I smart to chase this ppi claim up , but I have recieved a letter direct from lloyds with an this offer , I gotta give I smart 25% of the monies I recieve for the work they put in chasing lloyds up . I've had no paper work from my previous loans , but lloyds are saying this is the average pay out . Do I have to expert there offer or can I take further action ??????

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I've just recieved an offer of £1200 regarding ppi from lloyds how do I know if this is the correct offer I'm entitled too , I'm currently using a company called I smart to chase this ppi claim up , but I have recieved a letter direct from lloyds with an this offer , I gotta give I smart 25% of the monies I recieve for the work they put in chasing lloyds up . I've had no paper work from my previous loans , but lloyds are saying this is the average pay out . Do I have to expert there offer or can I take further action ??????

 

Hi

 

Start your own thread in the PPI forum....you'll get a lot of help there.

 

ims

 

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Just accepted an offer made by Barclays with regard to Insurance on my overdraft, they have offered me the full amount plus interest without real question so can expect £3100 in my account in next few days, thanks to all on here for the advice.

 

Congratulations!

It says in my offer 'Interest calculated up to 02/01/2012', so I expected to have had the payment by now, but nothing yet. Reading other posts, I think they all like to keep it in their hands for as long as possible. They must be able to make more from keeping it than the extra interest that I will be demanding.

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PPI success for me against HFC bank - they made an offer of £2300, which was what I'd requested (PPI payments plus statutory interest) so I accepted immediately. They said it would be in my account within 28 days so I'm expecting them to hang onto it until day 27 - but good result, nevertheless! Now to tackle Ocean Finance...

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I haven't had any PPI claims of my own, but I've helped a friend and a co-worker successfully reclaim their PPI charges from Barlcays and TSB respectively.

 

Neither case went to court, and the latter received a payment in excess of £5000.00 (for which I was given the very nice reward of £500.00 -[edit]

 

The first received just over £200.00, but I was quite surprised, as they initially sent a copy of the individual's original contract showing their signature - and in the small print the details of the PPI. However, we argued that they were never made explicitly aware and it seemed enough to make them cough off - rather than extend it to the Ombudsman.

 

Phil

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well cause they were they prob got got +£1000 out of you!

 

we dont really consider CMC claims a success as its a loss really

 

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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Well, I rang LTSB to ask what had happened to their 'We will pay the money into your accout as soon as possible' statement, and after waiting 20 minutes in the queue, I finally spoke to someone. She said that she would mark my claim to say I was chasing the money. She said that it should prioritise me slightly, but she could still not give me any sort of time frame for the payout. That was Monday. Today the cash is here. Two days later and over £18,000.

 

I know I have had a real easy time compared to many here. Just wanted to say that I hope you all manage to get what's owed SOON.

 

Thanks Jotty. I may have just waited had you not posted.

Thanks Evo, I rang the number on my letter and a very nice chap said I would receive it within a few days of returning the letter, you may need to give your a call to.
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  • 2 weeks later...

:whoo:TOTAL SUCCESS MY FIRST WIN:whoo:

Ok spent £2.80 x 2 letters requesting back my unfair ppi and £1.30 on a telephone call total £3.10

One hour in letter writing in my spare time,

Receiced a letter within two weeks saying the bank will investigate,

Week 3,

Received a offer from them!

On my workings out at 8% from 2001 todate on the loan of £7000,(Loan was settled in 2005)

Spot on with the offer:-o(fair game)

Now waiting 28 days for my cash to go into my account and make my back manager happy,

Do it yourself

Never use a company"its easy ( one down and four to go)

Can any mod please move my post to the success forum,

I will donate some cash for this website on the day it arrives,:-D

Edited by justice4me
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Ok Lloyd TSB Paid £2815 for PPI Paid after 7 weeks.

 

Did not ask for a set amount but the award works out so-

 

 

Refund of premiums £1046.98

Early settlement difference £1500.50

Interest at 8% 268.42

total £2815.90

 

This was a claim for my son who defaulted on loan after about 2 1/2 years,basically the settlement figure comes to just under what the PPI total payment would be at the Interest rate at the time.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?336695-PPI-Roberts-vs-Lloyds&p=3706579#post3706579

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