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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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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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at the bottom of one of the posts.

 

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

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Hi Jenny,

 

You can indeed do it easily yourself and the claims companies will only do what you can do ie write the letters and then refer it to the FOS. Have a look around this site first and read other peoples experiences. You can get letters from the templates on this site. Write the first letter saying that you feel that you have been missold ppi and for what reason. You will almost definitely get a response that you arent getting anything. Once you have the companies final response you can take it to the Financial Ombudsman service you can download a form from their website and they will decide whether it has been missold. Currently I think around 90% of cases are upheld by the Ombudsman. The Ombudsman do take a long time to deal with complaints because they are inundated with them but you will get satisfaction once you start to see results.

 

So get reading and go for it. Good luck.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hello, Please excuse my ignorance on these matters... I need all your expert help and opinions. I have been approached by two different companies wanting to 'help' me to reclaim a PPI and other charges relating to credit cards no longer used. Both companies required payments upfront. A posting on this forum suggests I can do it myself - can anyone help me in the right direction? I've been really ill and off work for months and when these companies ring it seems a good idea to let someone else do the work :? as I'm so shattered with it all. Many thanks for your time..........

 

you need to start your own thread p'haps one for each card companies name if there are a few.

 

general help can be gained from the homepage under FAQ.

 

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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Hi Jenny. My case is proof that it's quite easy to claim back. Use the templates and read around the issues on here. Money Saving Expert is really good too.

 

You don't need to pay any company to do your work unless you want them to and are happy to pay a fee like you say. For me, I claimed £800 back and one letter and one phone did it, as they'd not 'sold' the policy properly (which is the case for many PPI's sold until recently.

 

Tip for you ---- If you've been mis-sold PPI, word the letter correctly, using one of the CAG or MSE templates, the banks / finance companies know they're bang to rights. If they don't settle with you, the ombudsman can impose compensation on them.

 

Think £££'s ;) Good luck. The experts on here are very good as well!

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Hi Guys,

 

Can someone please tell me where I send my first PPI letter to, I am reclaiming PPI on a Natwest Credit Card.

 

Thanks,

 

TheyrCriminals

 

 

Firstly best to start your own thread that way you keep control of posts and answers.

 

Try this for starters click on this link and give it your own title and take it from there.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

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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Just rang FSCS today reg Picture PPI reclaim they said a payment had just been processed and will be with me within 10 days for £4318.17

Sucess yipee

Wish everyone else good luck

:):):):):):):):):):):):)[/quote

 

Hi Betty

 

Without reading through you posts, how long from start to finnish did the whole scenario take?

 

Mr W

Regards..Mr Worried :)

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I originally filled out my application with FSCS in June 09 but nothing could happen until july when Picture were declared defaulted

So July 09 - Jan 10 so all in all 7 months

I hope this helps

From the time it was passed to Deloitte it took 3 months

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Well done Betty:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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today i rec'd a PPI offer from the All & Leic for around £1400 but they want to offset it against my outstanding debt with them. Can they do this considering the insurance policy is with an insurance company rather than the A & L? Im gonna reject it anyway because the PPI signature was forged and the A & L know it so it's more a criminal offence rather than a civil breach of the CCA 1974 ie fraud and misrepresentation

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today i rec'd a PPI offer from the All & Leic for around £1400 but they want to offset it against my outstanding debt with them. Can they do this considering the insurance policy is with an insurance company rather than the A & L? Im gonna reject it anyway because the PPI signature was forged and the A & L know it so it's more a criminal offence rather than a civil breach of the CCA 1974 ie fraud and misrepresentation

 

yes they can off set but only ARREARS.

pers if you are happy this offer is correct [regardless of the outstanding issue you have & that typically A&L don't often get it wrong ] i'd accept it. then chase the other issue, they are still putting you back to where you were should the PPI not have been taken

 

as you have an outstanding issue with the fraud etc...i think these posts are better suited to be on your org thread, then post back on successes when you actually get the money.

 

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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lloyds bank plc , paying back in full all ppi payments, + 8% intrest:) on £7500

loan. i sent a letter of formal complanit dec09, re- missold ppi. and demanded

a final responce letter from lloyds so i could take up the matter with fos. letter recived today from lloyds. they will pay up in full:):).

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lloyds bank plc , paying back in full all ppi payments, + 8% intrest:) on £7500

loan. i sent a letter of formal complanit dec09, re- missold ppi. and demanded

a final responce letter from lloyds so i could take up the matter with fos. letter recived today from lloyds. they will pay up in full:):).

 

Well done!!

 

Excellent message, i'm gonna go after Lloyds now as they rejected me without a final. May i see a template or what you sent to Lloyds. Feel free to PM it if you wish. Thanks vm

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Well done!!

 

Excellent message, i'm gonna go after Lloyds now as they rejected me without a final. May i see a template or what you sent to Lloyds. Feel free to PM it if you wish. Thanks vm

 

hi, vm sorry i dont have a template letter, i just made a formal complaint, to lloyds bank plc, regarding misold ppi on a personal loan i have with them. i just demanded a final responce so i could take up the matter with fos. hence my post today. if they have not sent you a final responce then i would reply to them demanding a final responce so you can take up the matter with fos:)

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hi, vm sorry i dont have a template letter, i just made a formal complaint, to lloyds bank plc, regarding misold ppi on a personal loan i have with them. i just demanded a final responce so i could take up the matter with fos. hence my post today. if they have not sent you a final responce then i would reply to them demanding a final responce so you can take up the matter with fos:)

 

fair enough. i'll do the same - thanks!

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* * * BATTLE WON * * *

 

Logged onto my account I noticed a credit to my account of £1,485 from 1 Church Hill Place and an entry beside it We are sorry

 

Working out the figures indicate that its settlement of my Barclay Loan PPI complaint (about £30 more than I actually calculated).

 

Took about a year & involvement of the FOS to resolve, during which time the bank 'changed' the complaint reference number three times & kept telling me that it was still under investigation even after the FOS told 'um to pay up.

 

Thanks for all the support, special thanks to PF for his help and the link he gave me (using that in my final letter seems to have had the desired effect in getting them to cough up).

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* * * BATTLE WON * * *

 

Logged onto my account I noticed a credit to my account of £1,485 from 1 Church Hill Place and an entry beside it We are sorry

 

Working out the figures indicate that its settlement of my Barclay Loan PPI complaint (about £30 more than I actually calculated).

 

Took about a year & involvement of the FOS to resolve, during which time the bank 'changed' the complaint reference number three times & kept telling me that it was still under investigation even after the FOS told 'um to pay up.

 

Thanks for all the support, special thanks to PF for his help and the link he gave me (using that in my final letter seems to have had the desired effect in getting them to cough up).

 

wow that IS a result.....go get 'em you lot with outstanding barclay claims.

 

good work

 

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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Share on other sites

I won my PPI case for a full refund from the Alliance & Leicester but rejected the offer of £1400 as the policy was triggered by a forged signature. Sent evidence again back to A & L and the FOS.

 

will update when news available

 

fingers crossed the alleged fraud taints the whole agreement and looking for the contract to be set-aside

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I have been absent due to family health issues. Well done to all the successes. Nice to see some positive results coming in. I will try and catch up on the PPI forum but it will take some time. Keep up with the fight.

 

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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