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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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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.
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PPI and mis-sold


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Hi everyone new information

 

Quick up date: got my PPI refunded in November 2007 but they refused to add the contractual interest. I contacted the FOS who I have now heard from and Barclays have agreed to pay this but I'm not sure if the figure is correct. Could someone advise please.

 

The total PPI was £1614.60 taken out july 2003 I have worked the contractual interest out @ 8% to be £559.68 and they have offered £166.21 however they have stated this is based on the reducing balance as the loan was repaid. My loan was for five years so the refund paid my loan off 8 months earlier. It all sounds confusing....

 

Hope someone is good at maths!!!

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Hi everyone new information

 

Quick up date: got my PPI refunded in November 2007 but they refused to add the contractual interest. I contacted the FOS who I have now heard from and Barclays have agreed to pay this but I'm not sure if the figure is correct. Could someone advise please.

 

The total PPI was £1614.60 taken out july 2003 I have worked the contractual interest out @ 8% to be £559.68 and they have offered £166.21 however they have stated this is based on the reducing balance as the loan was repaid. My loan was for five years so the refund paid my loan off 8 months earlier. It all sounds confusing....

 

Hope someone is good at maths!!!

 

Hello Lizzy,

 

Your figures are correct £1,614.60 taken in july 2003 at 8% is £593.47 to today. This is a simple calculation using the ppi as a front loaded payment. I again would write to them and state these figures and maybe ask them for a breakdown of their calculations. Obviously they have calculated their figures on a monthly basis as you paid the ppi, The first payment would attract the higher interest and the last would not. Do you know what the monthly payment for the ppi was and then we might be able to throw some figures back at them, or not as the case may be.:-D

 

They are just trying not to pay you out the highest figure.

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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Thanks for getting back to me.

 

My monthly PPI figure was £26.91 not sure how this is calculated as the policy was paid up earlier. I don't know where Barclays got £166.21 from? If I can give them the exact figure or near too, it must be more then what they have come up with...

 

Thank you.

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Also how can I check the amount already refunded is correct?

 

The amount on my credit agreement, which was taken out on 31/7/03

 

Amount of loan £1,153.94 interest £460.66 total to repay £1,614.60 monthy payments £26.91. This was taken out for 60 months.

 

Refund was given in November 2007 which paid total loan off which came to £1,333.53 My interest rate was 14.900%.

 

Any idea if the figure is correct?

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Not sure how Barclays do their calculations when you pay a loan up early but I have paid £7,704.84 over a period of 52 weeks for a loan of £8,890.20 thats including the PPI loan was due to finish July 2008 but it was paid up November 2007 does anyone know how to work this figure out?

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Also how can I check the amount already refunded is correct?

 

The amount on my credit agreement, which was taken out on 31/7/03

 

Amount of loan £1,153.94 interest £460.66 total to repay £1,614.60 monthy payments £26.91. This was taken out for 60 months.

 

Refund was given in November 2007 which paid total loan off which came to £1,333.53 My interest rate was 14.900%.

 

Any idea if the figure is correct?

 

Hello Lizzy,

 

You can work out the interest on a monthly basis using these spreadsheets.

 

If you need help just shout

England - Advanced - Excel

England - Advanced - Works

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 months later...

Finally got the cheque for the interest that Barclays had failed to pay me,

However had to get the FOS involved as Barclays was not going to pay it.

 

So for everyone who is pursuing their PPI don't let the banks short change you its their fault for miss selling the policy in the first place....

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