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    • Yep, I agree with what you are saying, I only mentioned the governing body code of practice as a nod to the fact that I wasn't dismissing the BPA or whoever out of hand, thought that would go in my favour before a judge. I wrote a long post about the BPA CoP earlier but then deleted it because I realised I wasn't talking about points of law but a set of guidelines drawn up by one bunch of charlatans for another bunch of charlatans. It is ludicrous that the 5 minute consideration period doesn't apply if the motorist parks, such nonsense. As for legislation, I was referring to the government legislation (if it is legislation?) document which has been withdrawn. Does that stand until it has been reintroduced? In the explanatory document it is quite clear. Otherwise, how does one hold them to the consideration and grace periods? Or is that at the discretion of the judge?
    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
    • Are you saying that both businesses were closed? Yet you stayed there for over two hours. . If both were closed than to charge £100 is a penalty since Horizon had no legitimate interest in keeping spaces clear for the company. sake as there were no customers..
    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
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Mortgage Arrears fees


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Hi,

 

I've gone through [removed] as they've said I can claim money back from Santander for their performance during a mortgage.

They've advised me I CAN claim and to complete their paperwork.

 

Can I ask, is this to do with capitalisation and adding arrears to the principle payments?

 

They're very vague and mysterious as to why and how..... for obvious reasons

 

can I do this myself?

 

Also, can I still claim back excessive charges on my mortgage account?

 

Any help appreciated

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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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Thank you...!! nobody ever answers me lol.

 

[removed] are chasing the adding of arrears to the principle yes? that's their thing...... I will loook into claiming this myself. I haven't looke through everything you've just posted but assume the correct terminologies are in there.

On top of that I have the SAR docs for various creditors to do my homework.

 

Can I ask also, if a secured loan is for 25k (exactly) is it also worth checking? for charges and arrears capitalisation?

 

And finally ( and sorry about this one) I have historic bank charge claims of nearly 20k but was told they could not be claimed despite prooof of hardship at the time. Is it worth re- visiting these?

 

thanks again

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capitalisation...changes nothing..

 

as for the historic charges p'haps post on your existing thread?

 

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, Thanks for replying,

 

So, sorry do you or anyone know what [removed] angle for getting money back from my mortgage?

It's to do with having been in arrears.....

I'm trying to find out what this is called and how I can pursue the claim myself instead of paying them....

 

regards,

 

Dan

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don't get fleeced

 

typically they claim the mortgage was mis sold then sting you for their fees when it all fails.

 

have you sent satan bank and sar?

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,

 

So no it's not for mis-selling (although I have launched a complaint on that myself)

It's also not excessive charges on the account per say.

I think its to do with adding arrears to the principle sum and calculating the interest on the whole amount.

 

I know [removed] have approached the San for info, as they have in turn asked me to authorise them providing it.

 

After 4 months they have contacted me saying I have over paid by quite a bit and they can start proceedings.

However I'd like to just do this myself, as I have with mis-selling and PPI.

 

I'm just wondering what the terminology is for this (capitalisation?) and if there are any template letters or anyone know of successful self-claimers?

Yes I have the SAR info and I'm currently going through it for the charges.

 

Many Thanks

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par sa i'd not call capitalisation a reason for/ equalling to any right to reclaim extra interest.

I would have expected satans wrote to you and you agreed to it.

 

unless its £100's of fees or penalties they've done this too of many years

I seriously doubt it would amount to anything. [ the extra int, which is the only diff to as below method]

 

much better to reclaim the unlawful arrears fees and any other 'fixed sum' fee you can see in the statements.

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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Ok, Thanks a lot...!

I definitely intend to write to them about the charges and pursue that, as there were a lot, and they eventually repossesed the house for 3k of arrears. At the same time they applied charges totalling 4k+ on my current account. Satanic indeed.

 

But based on what you've said, I ,ay aswell let [removed] crack on, as it's no win no fee.......

 

They have suggested 'over paying' by 10k.

 

This is script lifted from their website....

 

"We audit mortgages looking for overpayments stemming from missing charges, misallocated payments and interest rate errors"

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sorry but we loath to recommend using any CMC

if it sounds to good to be true

it usually is...

 

and to me it does...

 

your call.

 

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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i'm loathed to agree that the repo figure is not arrears created by unlawful charges...

if it solely were then go bite satans bank ankles..

 

if the repo reason was solely because their added unlawful stuff then that's not correct and repo was potentially unlawful

only you have that info.. we can only guess..as do the fleecing CMC

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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