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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 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. Is it possible that a PPC (claimant) could 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.   
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    • We have finally managed to obtain the transcript of this case.

      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.
      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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Claiming American Express Over 6 years Penalty Charges


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Hi everyone,

 

I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card.

Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused.

I then sent a LBA and their response is basically the same.

 

Below is their reply to my LBA: (Two letters for the two accounts but the contents are the same)

WITHOUT PREJUDICE SAVE AS TO COSTS

 

Dear Mr...

 

Thank you for your letter dated --.12.2014 concerning the default charges applied to the above account.

 

While we are disappointed that you rae not satisfied with our response, we confirm that your claim has been reviewed in accordance with time frame limited by law and that, as confirmed in our final response letter dated -- December 2014, no refunds of default charges are due in respect of this claim.

 

If, however, despite our final response, you decide to pursue legal action, American Express will have no alternative but to defend such proceedings and recover its costs of doing so from you. We trust this will not prove necessary and that we can avoid unnecessary use of the court's time and legal expense.

 

Yours Sincerely,

 

 

Now, my question is, Has anyone had experience with Amex?

Any success story to read?

 

It is my intention to follow it through.

 

I want to issue a claim but would want to hear your opinions before I do that.

 

Thanks

 

Dot

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Another thing I would also appreciate your views on is, If I decide to issue the claim, will I have to do them separately or can I combine them into one claim?

 

Any idea of the difference between a charge card and a credit card?

 

Are they both covered by CCA or not?

 

Thanks

 

Dot

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I found out that charge card does not charge interest, if am to claim refund on the charges, do I request interest? If so what rate should I ask for? I did not have this information so I requested it at the same rate as the credit card.

 

Any suggestion?

 

Thanks

Dot

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dot

what is the value of your potential claim, roughly.

 

Hi Ford,

 

Thanks for taking time to look at my thread. Charges applied on each card is about £140.00.

 

Thanks

Dot

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ok, would be small claims.

yes, if claiming charges then wld be with interest. any interest wld be at least statutory interest, so you wld have to claim that at least in your particulars. but, if was re contractual, then would be claiming that back. whichever, wld need to be pleaded in your particulars.

am not sure re this, would it be out of time? need further input. bump re that.

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ok, would be small claims.

yes, if claiming charges then wld be with interest. any interest wld be at least statutory interest, so you wld have to claim that at least in your particulars. but, if was re contractual, then would be claiming that back re the net loss. whichever, wld need to be pleaded in your particulars.

am not sure re this, would it be out of time? need further input. bump re that.

 

Thanks for that Ford.

 

I want to make sure that I get everything right before I make any move. A good start hopefully will make a good ending. I hope.

Hopefully, some one will come along to help too.

 

Thanks

Dot

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Looking at the Amex reply, that is exactly what they are saying. But according to some members, they were successful in charges over 6 years. The difference might be that theirs, the account is still running or terminated recently. Hopefully, someone will shed lights on it.

 

Dot

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hi

you've already done the lba, so its do or dont.

re the charges, are you referring to those 12£ or more ones?

 

All the charges are more than £12 as the account was before the fee was adjusted. They were all in the region of £20.

 

I really want to follow it through.

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Looking at the Amex reply, that is exactly what they are saying. But according to some members, they were successful in charges over 6 years. The difference might be that theirs, the account is still running or terminated recently. Hopefully, someone will shed lights on it.

 

Dot

 

poss 12 years? depending on the circs.

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All the charges are more than £12 as the account was before the fee was adjusted. They were all in the region of £20.

 

I really want to follow it through.

 

 

ok, maybe a good shout for a claim then? you can see what i was getting at :)

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poss 12 years? depending on the circs.

 

Well, what happened is that I requested this money be paid but Amex refused yet the account was already sold to Capquest.

Instead they claimed that the money will be paid to Capquest. I protested but without success. This happened in 2010.

From what I now know, they are not allowed to do that especially when the debt is sold to a third party already which was the case.

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ok, maybe a good shout for a claim then? you can see what i was getting at :)

 

Yes Ford,

 

I see what you mean. I know many years went by and that is why I need help and advise before I decide to make any claim.

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Hi Dot

 

Maybe I can add to the information which Ford has already given.

 

The problem you might face is that we are talking approx 4 years ago that this claim money was sent to the DCA. You were probably unaware at the time that there was no right of set off and it should not have happened.

 

My view would be that you could challenge this if it cropped up but I think you ought to ask yourself the question "what would I have done with the money had it come to me"? would you have paid the debt (if it was legit) and if so there is no difference as to whether Amex paid it direct or whether you paid out out of the proceeds of your claim.

 

It opens up all kinds of questions really, one of which is would CQ have had (or could they still get) the relevant paperwork to enforce in court had the debt not been at least partially paid?

 

As you know we are not into debt avoidance but you would need to sit down and look at what may have happened if the money had been paid to you rather than passed on.

 

As has been said, charge cards do not generally charge interest although many of them contain a term that say that interest can be charged if the account is not settled in full at the due date and I am sure that the contract is for payment in full at a certain time. Failure to pay all of the balance is technically a breach of contract.

 

Having said that, we are not talking about charges being unfair under the Consumer Credit Act but more under unfair terms where a charge must not exceed the pre-estimate of loss suffered by the business as a result of your breach. If they do exceed that figure then it is is deemed an unenforceable penalty and is reclaimable as such.

 

Forget the idea that there was any rule, regulation or other authoritative regulation which said that £12 was ok.....it was only the OFT (as it was then) who said they would not investigate charges of £12 and under.

 

Interest in restitution is all about relieving the business of the unlawful/unjust profit they would have made on the money they had from you. It is not directly related to the rate of interest they were charging you.

 

They could well have charged you zero percent on the charges they levied but that charge could have allowed them to lend to some other person and make profit on that amount which, had the charge not been levied on you, they could not have done.

 

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