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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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      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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Hi,

I thought i would post here that A&L have agreed to refund monies paid for PPI as part of a loan i took out 18 mths ago, i was miss sold as i informed the sales person i had private PP ins, and he insisted that without this being part of the loan i would be refused.

 

A&L have issued new loan agreements taking off the ppi charge, i am awaiting my returned payment of $550.

 

I also challanged the first offer as they did not add the 8% interest, they added it without any quibble at all.

 

thanks

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Hi,

I thought i would post here that A&L have agreed to refund monies paid for PPI as part of a loan i took out 18 mths ago, i was miss sold as i informed the sales person i had private PP ins, and he insisted that without this being part of the loan i would be refused.

 

A&L have issued new loan agreements taking off the ppi charge, i am awaiting my returned payment of $550.

 

I also challanged the first offer as they did not add the 8% interest, they added it without any quibble at all.

 

thanks

 

Well done to you Julie. And full credit to A&L.

Some banks are going to come out of this with much more credibility than others.

 

Are you watching Barclays?.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I WON !!!!!!!!!!!!!!

got phone call today to say blackhorse agree to payout:eek:

A big thank you to everybody who helped and the FOS:D

Just waiting for blackhorse to let me know what they will refund me and FOS have said 8% is to be paid.

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  • 3 weeks later...

This is my question, I have cancelled some PPI from my Credit Cards and took a private one. The thing is that I never asked a refund, because I didn't know I could request it, I do remember having to do a cancellation in writting, to Mint Card as they didn't take a cancellation over the phone, and in all this, I don;t remember agreeing conciously to get a PPI when I took the card. I think I am still paying a PPI with the Debenhams card, which it was sold to me by a sales assistant and I don't remember any of this being advise to me. How do I start to get this around, considering that I have been paying this more more than 6 years...:(

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Hi Zara. Your questions will get overlooked in this successes forum.

Ask your questions again here

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/

Give as much information as possible, and somebody will be along soon.

Good luck.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Congratulations.

 

Fantastic result.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I have posted this on my thread but thought I would post here also for others who might miss it.

 

After my third letter First Plus have caved in and offered me my full premium of £7836.80 plus interest.

 

Keep going, persistance pays off!

 

HF79 :grin: :grin:

 

Wonderful news, bet you still have a grin on your face,:D

 

Well done and thanks for letting us know:D

 

It inspires us all: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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  • 2 weeks later...

Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed

They Replied saying you knew what was included, was explained etc.

Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.

Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.

No admission of liability just on a goodwill basis.

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Well done crugga.

 

Funny how they never admit they are wrong.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Well done crugga.

 

Funny how they never admit they are wrong.

1st thing I thought. For the record it was Alliance and Leicester and they dealt with the complaint very well and decently. From what ive read cant see it being so easy with mbna.

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  • 2 weeks later...

hi i have had a number of loans out over the years but cannot remember if insurance was included. i know I had to pay penalities as i paid off early. also i have a store card that charges insurance this was more than intrest i was paying i have just written and cancelled it. it states on the back of the bill no premiums will be given i think i was missold this because i tried to make a claim last year but was told i would need papers from the job centre and could not get them so could not claim. can anyone advise please

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Hello crugga!

 

Are you going after the MBNA?

 

Just asking, as they are more or less Top of my own Hit List at the moment, mainly for Loan PPI, but also for Card Charges.

 

Cheers,

BRW

Gonna have a go, only thing was I was not self employed when they started however I even now could not tell you what i'm covered for which is enough of an excuse for a missale. 1st I knew was a letter telling may theyd reduced my ppi payments so I just didnt really know i'd got it.

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Hello Crugga!

 

Rather than hi-jack this Thread, if you could perhaps keep me posted via my own MBNA PPI Thread below:

 

MBNA PPI Unsecured Loans Eyes Wide Shut

 

Or let me know when you start your own MBNA PPI Thread, I'll try to keep you posted on any progress I make.

 

Cheers,

BRW

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Hi guys and gals hope someone can help me.

 

I took out a personal loan with natwest 15 months ago and although i did not request insurance proptection, It was added to the loan. I have just found out aboutit and immediately cancelled the cover.

 

I have also figured out that the £6000 i have paid out in the form of this cover has not actually reduced the loan at all. I was under the impression that as soon as i took the loan, I would be paying off the capital and interest immediately.

 

Can i make a claim against them for this misselling? Any template letters available?

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Hi guys and gals hope someone can help me.

 

I took out a personal loan with NatWest 15 months ago and although i did not request insurance proptection, It was added to the loan. I have just found out aboutit and immediately cancelled the cover.

 

I have also figured out that the £6000 i have paid out in the form of this cover has not actually reduced the loan at all. I was under the impression that as soon as i took the loan, I would be paying off the capital and interest immediately.

 

Can i make a claim against them for this misselling? Any template letters available?

 

Hello Charlie,

 

Start a thread on the ppi forum, your post unfortunate may get overlook on the success thread.

 

I will keep out an eye for your thread and will advise/help according. I love trouble with the Nast:grin: y

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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I've just sorted out 2 successful claims for friends.

One direct to the bank which resulted in the refund of premium, interest, bank charges & some expenses and a huge reduction in the loan interest rate.

 

The other, which was a complaint to the Ombudsman has just resulted in a payment of £18K and went back well over 6 years!!!!

 

If one of the moderators can point me in the right direction to set up a thread, I've got some interesting tips, experience & arguements to pass on.

 

Elmo

:grin: :grin: :grin:

ps I don't log on that often so if anyone pm's me or adds to my thread it may take time to reply.

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I've just sorted out 2 successful claims for friends.

One direct to the bank which resulted in the refund of premium, interest, bank charges & some expenses and a huge reduction in the loan interest rate.

 

The other, which was a complaint to the Ombudsman has just resulted in a payment of £18K and went back well over 6 years!!!!

 

If one of the moderators can point me in the right direction to set up a thread, I've got some interesting tips, experience & arguements to pass on.

 

Elmo

:grin: :grin: :grin:

ps I don't log on that often so if anyone pm's me or adds to my thread it may take time to reply.

 

Well done Elmo, it would be great if you can share your experiences with others. Start a new thread click here

 

newthread.gif

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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  • 2 weeks later...

The Big G took on Loans.co.uk over a year ago and this week recieved a refund of £10,250 plus £3,300 interest.

 

My thanks have to go to the FOS but without the help of CAG forums in particular Hellhasnofury and Reidnet it would not of happened.

 

THANK YOU ALL

 

The Big G:) :) :) :) :) :)

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Hello everyone,

 

We got £11,600 ppi back from Central Capital/Trust yipeeee:lol: with loads of help from Hellhasnofury...thanks H your a star:grin:

 

Checkout my posts 'sara vs paragon'

 

Cheers everyone we are going to get drunk now yipeeeeee:smile:

 

 

saranev

 

As soon as the cheque clears we will be donating to this fanastic site.

Saranev

 

Don't let them get away with it :mad2:

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Well done and pats on the back all round to:

Elmo

The Big G

Saranev

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 2 weeks later...

Hi folks and Many Congratulations to you all on your successes of winning your claims.;) .

 

Here is my update, our complaint about Nemo went to the FOS NOV 2006, it went in our favour in 2007 where were were paid out just under £13K of ppi in Jan 2008.......:grin: :grin: .

 

We did actually pay off Nemo last August 2007 and remortgaged, so what was owed to us was paid directly to us by cheque payments.:grin: .

 

Onwards and upwards to us all.:wink: .

 

Now to move on with others, Endeavour is one of them but 'click finance' found us this loan, and cannot find the docs on them and tried googling, and still cannot find the details, however we do have endeavours, who will just tell us to write to click, so if anyone has any details on click will be happy to hear from you, thanks folks and all the best to everyone claiming.:wink:

 

Di.

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ClickLoans is a trading style of Click Financial - Click House, Bear Lane, Farnham, Surrey. GU9 7LG.

 

 

Hope that Helps..

 

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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