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    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
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    • FTMDave - your cold light of day suspicions are correct, alas. Just had this back... Thank you for your email. I was very sorry to learn that you recently received a parking charge notice after shopping at our Kearsley Manchester Rd Express store. I appreciate this is always frustrating, especially as you'd just nipped in for the one item. I've had a look, and I can confirm that in this case the car park at this store is entirely owned by a third party - it is not owned or operated by Tesco in any way. The parking charge issued is on behalf of that third party, although I appreciate it does state Tesco on the letter. Regrettably as the car park is owned and operated by a separate company we don't have any form of influence or control over the parking charges issued. In this case, I can only recommend that you follow the appeals process outlined on the letter directly to take the matter up with UKPPO directly. I'm sorry that I cannot offer further help in this case.  Please do not hesitate to contact me again should you require anything further.  Kind regards Ewan Kelly Customer Service Specialist On behalf of the Chief Executive’s Office
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    • Ye thats fine. They should come back before the date of your defence BUT   IN ANY CASE YOU MUST FILE YOUR DEFENCE. DO NOT AWAIT THE PAPERWORK PAST YOUR FILING DATE.
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Alliance & Leicester / Santander Unfair Credit Card Charges


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Hi, I hope someone will be kind enough to enlighten me on the current situation regarding unfair credit card charges.

 

I have received some old statements and on reviewing, there are various over limit / Late Payment charges for £20 from 2005 - 2006.

 

Can I still attempt redress from A & L or am I too late ?

 

Cheers

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No it's not too late for credit card charges, and if you have any later ones for £12 you can claim them too.

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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No it's not too late for credit card charges, and if you have any later ones for £12 you can claim them too.

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

 

Thanks caro

 

I will also search site for further details regarding c/card charges as I seem to be getting conflicting info from other sources.

 

I have just had my claim with Barclaycard rejected on the basis that complaint is too late ?

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Well that's odd because in our experience Barclaycard will cough up if you start court action! :lol: You would need to mention the Statute of Limitations Act in your claim to get over the fact that the charges are from over 6 years ago. They do tend to wait until a court date is imminent but then they cough up. I suggest that you start a thread in our Barclaycard forum outlining what you've done so far and I'm sure that you'll get advice on how to progress this.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Well that's odd because in our experience Barclaycard will cough up if you start court action! :lol: You would need to mention the Statute of Limitations Act in your claim to get over the fact that the charges are from over 6 years ago. They do tend to wait until a court date is imminent but then they cough up. I suggest that you start a thread in our Barclaycard forum outlining what you've done so far and I'm sure that you'll get advice on how to progress this.

 

OK and cheers again caro.

 

I was going to issue a LBA anyway as I did mention it and various other details, in which they have not even acknowledged or replied to.

 

I will post up details under Barclaycard as advised including the Final Response Letter.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Just a side note.

 

My cases invovle interest in restitution

To do that you select a Compound interest rate and apply that to the charges.

 

Advantages = Easier to work out. Bank will try and fight it though.

 

Doing the normal interest rate means you have to work out what interest rate you were charged for which charges and when interest was stopping being charged etc. This can be more involved in working out.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Just a side note.

 

My cases invovle interest in restitution

To do that you select a Compound interest rate and apply that to the charges.

 

Advantages = Easier to work out. Bank will try and fight it though.

 

Doing the normal interest rate means you have to work out what interest rate you were charged for which charges and when interest was stopping being charged etc. This can be more involved in working out.

 

Cheers again and is there a link to mentioned spreadsheet ? And how do you select a compound interest rate ?

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