Speed trap in middLe of nowhere and only 200 yards to reduce speed. My God what speed are you doing if you can't reduce your speed over 200 yards. Breaking the limits?

Hi. I have come back to this thread but maybe I should not have. And started a new one. Back last year I submitted a LBA early October and Marbles responded that it was not a PAP Letter and they ignored it. But things have moved on and this was forgotten until clearing out my cloud drive Because of the postal situation here I sent the new PAP Letter with other paperwork registered to arrive April 27th. It arrived 25 April I gave Marbles 30 days to respond plus 14 extra days for return delivery They have failed to respond. I am now in the process of issuing court paper & could someone please take a look at my draft POC and give me some serious feedback Many thanks In Between: Mr x and NewDay Cards T/A Marbles Credit Cards -------------------------------- PARTICULARS OF CLAIM -------------------------------- 0. The defendant has failed to respond to a PAP Letter Before Claim despite having 30 days plus 14 extra days for delivery of response 1. The Claimant opened a Consumer Credit Agreements with Marbles MasterCard on 12th May 2004 with the account number XXXX XXXX XXXX XXXX which was a Credit Card Agreement under the Consumer Credit Act 1974. I will refer to this as the “Agreement" 2. The Agreement included Payment Protection Insurance (“PPI”) which was taken out at the time by ticking a website tick box 3. The Claimant contends that the PPI relating to the Agreement was only purchased as a result of none or inconclusive advice provided on the website at the time of the Agreement and the claimant puts the defendant to strict proof of this being supplied either verbally, by post or by any other means. 4. At the time the Office of Fair Trading stated that “PPI protects borrowers' ability to maintain repayments and should help them avoid getting into debt should they be unable to keep up their repayments due to accident, sickness or unemployment.” The Claimant contends that the PPI sold in relation to the Agreement was never capable of meeting those requirements, and that the policies were mis-sold. 5. The Claimant contends that the PPI relating to the Agreement was not suitable for purpose because the claimant had at the time, a long-standing ongoing medical problems 6. Based on this, and further contentions outlined below, the Claimant believes that the advice given by the website was in fact fraudulent, and therefore a breach of common law, in that the representation of the product’s suitability was either made Knowingly, or Without belief in its truth, or Recklessly, careless whether it be true or false. I refer the court to the judgement given by Lord Herschell (Derry v Peak (1889) 14 App Cas 337). 7. The Claimant contends that there was no information provided written, verbal or electronic of alternative options, or comparative costs of similar PPI products from other suppliers. The claimant puts the defendant to the burden of strict proof of such being provided by the defendant 8. The Claimant contends that it was never explained that the PPI would attract interest 9. The Claimant contends that the Defendant has been given ample opportunity to seek a resolution to the matters raised in this claim, and their outright refusal to even enter into discussions is a clear breach of the Financial Services & Markets Act 2000. 10. The Claimant seeks damages and other sums, as listed below, against the Defendant under Common Law, and/or section 2 of the Misrepresentation Act 1967, and/or section 140B of the Consumer Credit Act 1974: PPI Premiums actually paid totalling £x,xxx Restitution on the PPI premiums totalling £x,xxx Statutory interest at 8% per annum totaling £7.23 The Claimant believes that the facts stated in these Particulars of Claim are true facts

Loads of that where I live and it grows at a rapid speed of knots. Don't know what it I but easy to to pull out. Unless you pull everything out it will continue to spread like wildfire and if it gets to a lawn then you have major problems getting rid of it

Or you could register with noddle and see what they hold for you Http://www.noddle.Co. uk

Do you have a LinkedIn profile with any related work experience uploaded. I uploaded my profile six years ago but have since emigrated and forgot to change my address but I still get email from reputable recruitment agencies and e.ployers

I held an Associates card until taken over by Citi. Made a successful PPI claiam gainst Citi Can't remember the address so search the ICO data controllerd register and use the address for Citi and not Newday cards.

I made a SAR request and had to include t following Financial statement from my last UK address Financial statement from current address Uk Utility/Council tax bill Data page from passport ID/government document from current residence Took 14 days to arrive e from date of posting HTH

In case anyone who does not know Yahoo was purchased by Oath. I believe that AOL was part of Yahoo so they will be the same

Had same problm on my Galaxy On7 phone but as living in SE Asia they related to the area I live. But I notice that they no longer appear

Yes, I have made three from the Philippines, took a little longer than 40 days though Citi Cards Sainsburys Marbles (NewDay Cards) Still need the £10 Stirling though for payment

I had a Marbles card opened in 2004, found out that NewDay Cards were the owners so may very well be them. I obtained a full Sar going back to 2004 but had to make sure I told them it must be a complete sar

Samsung have a number blocking on their fones. It gets blocked before a second ring and therefore cannot leave you voice mail

Claims for CitiCards go to Canada Square Claims for Opos go to NewDay Cards So if you had 10 months with Opus then a DSAR to NewDay cards and the remainder with a DSAR to Citi

Almost 100%, not 50%

Hi I have have a creative zen media player from around 2004 and with me emigrating lost the small small driver disk and can no longer add or remove files from the player. Is there anyone any one out there who may have the early Creative Zen driver I icon download or send me a copy of please Will make make a retired person very happy. Thanks

Please find attached the LBA and the FOS Spreadsheet Many thanks to DX100 and OldCogger for giving me some stick, head been all over the place, hope these are okay. Letter Before Action and FOS Spreadsheet 20160709 Marbles LBA.doc FOS PPI.xls

To admin First Appologies for such a late response but I have suffered with Arthuritis in both hands, I have been unable to pick up or hold anything for about two weeks Is it possible to delete all the garbage from 21 down as I have been around in circles and got seriously lost in what I have been doing. I have replace all the garbage with the next post (I hope)

I need to ask this question Claim is for £160.09 States Interest for £6.91 (total £167.00) Is that correct that to file a claim for this amount is £75

@ dx Many thanks for honest brutal response. It was appreciated as I see what is what now. Will be recalculate using FOS spreadsheet and re upload.

Dx100 May need to download to PC first then open. Saved to Excel 97-2003 format Many thanks for feed back. Now understand where I went wrong. Have now uploaded the corrected spreadsheet. Sp O now know what I need to change on the LBA gain, any comments good, bad or ugly welcomed PS there were five interest rates with the biggest at 35.9% Old Cogger Would never have asked for a costs order as I will always find someone to stand for me. I have great respect for the British courts system CISheet v101 Final V1 (CAG).xls CISheet v101 Final V1 (CAG).xls

CISheet v101 Final (CAG).xls Okay chaps, have not bothered with the split on cash drawn. Can some one have a quick look at the spreadsheet and advise or whatever. Also have the LBA done, again any comments, good, bad or indifferent taken in ******************************************** LBA Copied and pasted Dear sir or madam Reference: Marbles Payment Protection Insurance MasterCard Account Number XXXX-XXXX-XXXX-XXXX As it has not been possible to resolve this matter amicably, and seemingly apparent court action may be necessary, I write in compliance with the Practice Direction on Pre-Action Conduct. On the DD May 2004 you provided me with a regulated Marbles MasterCard Credit Card with Payment Protection Insurance (PPI). At the time of opening I was not made aware of the exclusions, either by written, verbal or digital means and continued to pay PPI premiums until the account was defaulted, closed, and sold From you I am claiming … • £ 1,050 : PPI Payments made • £ 6,200 : Restitution • £ 5,100 : 8% Simple interest • £12,350 : Total I confirm that I may be agreeable to mediation and would consider other systems of Alternative Dispute Resolution (ADR) in order to avoid the need for this matter to be resolved by the courts. I would invite you to put forward any proposals in this regard. In closing, I draw your attention to section II (4) of the Practice Direction which gives the courts power to impose sanctions on the parties if they fail to comply with this direction, including failing to respond to this letter before claim. I look forward to hearing from you within 21 days. To respond (by email) from the date of this letter I have approved the use of my personal email account myname@mysite.com to expedite matters quickly and to ensure delivery of such. Should I not receive a response to my letter within this period then I anticipate that court action will be commenced without any further reference to NewDay Cards Limited and without further delays. Yours faithfully, Mr British Expat ************************************************ Was wondering that if they rake it into a court hearing if I could ask the court for a costs order as I would need to return from SE Asia (value £1,500+) or my offer still stands from earlier in June

Hi dx All my serious documents are encrypted into a hidden VeraCrypt container first before upload.

My apologies. I am trying to recover a huge amount of data from my PC hard disc crash. Currently only have tab to use on Internet. Will upload FOS details when/if I recover them. Silly boy here forgot to upload to his Google Drive

I have a question with reference to interest and PPI I understand that PPI is calculated after interest has been added, this is where I may have a problem. My ex partner was drawing cash from ATM's which was of course at a higher rate than purchases so I now have two interest rates on the statement. I have calculated the compound interest on the purchases, but ... how do I calculate such on the cash advances or ... is it advisable to leave this well alone. Current value of claim is £8,500+ without adding th 8% statutory interest

Live in Bitano, Albay. Considered using that in my LBA with the hope that they would give in but I see they defend all their PPI claims in court unless it's 95% certain of losing. Bing not able to attend would give them the impetus to defend in court