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bustthematrix

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About bustthematrix

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  1. Hello A major bank (per this thread section) has contacted me regarding incorrect charges that were wrongly added to a loan I had with them back in 2006 which was settled in 2007. In calculating the refund amount, they added simple interest @8%pa (13 years worth) to the repayment. I remember reading somewhere that such interest should be compounded instead of simple. The difference in final amount between the two methods of calculation is fairly significant. I wanted to know if you were aware of the case law(s) or legal principle(s) applicable so as to apply compound interest as opposed to simple interest to the refund amount? Or perhaps you can refer me to something to read? I'd like to request compound interest if at all possible. I don't want to waste time trying to get Compound Interest unless there are strong legal grounds for doing so. Left to them of course, they prefer to pay simple interest as the figure will always be less. Many thanks in advance.
  2. Hi How do I accept the petition without agreeing to her false allegations of domestic violence? Sorry for the delay, I've had online access problems which will hopefully end today.
  3. Any tips on where to get input on how to respond to the petition?
  4. Hello Wondering if anyone can assist. A few weeks ago, I received a petition for divorce from my soon to be ex. I put it aside thinking I had about 28 days to acknowledge it as I was and am still in the middle of arranging moving home. Unfortunately, now I've lost the forms I was sent AND I was told I was required to acknowlede to the court within 7 days of receiving the petition. Any ideas on what I can/should do asap please? Thanks in advance.
  5. Not sure if I should go ahead with an appeal...or just cut my losses.
  6. Hi Grumpy Please have a look at this other PATAS case which seems to contradict the above.
  7. Thanks Grumpy. Just what I need I think. The signage/markings just aren't clear enough in my opinion. Do you have the details of the case you quoted?
  8. Hello All I hope you can help. I recently received a PCN affixed to my car for an alleged Code 27 offence. i.e. 'Parked in a special enforcement area adjacent to a footway, cycle track or verge lowered to meet the level of the carriageway.' I want to contest this on the basis that 1. The signage around this area is poor and unclear. It certainly was not clear to me that parking was prohibited as there was no visible warning signage and it was a single yellow line. 2. I have parked (never more than 20mins) at this very location, always AFTER 18:30 several times in the past, over many years and never been ticketed or warned not to do so - not even by other motorists or passers by. I think this is worth contesting as the signage seemed unclear to me as well as observed usage over the years. The borough is Enfield.
  9. Hi Dodgeball I've found your posts on this topic quite helpful. How best to use/what uses would you say this ruling accomplishes for debtors/defaulters? Thx in advance...
  10. Assuming I'm not lying then, in light of what I've said about an ACTIVE direct debit arrangement STILL in place with HMCTS, what do you propose I do? i.e. it's clearly their fault for not taking that last £10 and that's even if I actually still owe it. I've not seen any schedule of payments for the fine since I started making them.
  11. Please clarify on why this is 'perfectly lawful'? I had and still have a valid payment arrangement in place. If in fact £10 was still owed as alleged, why did they not simply debit it along with the earlier Direct Debits? Also, had I actually cancelled the DD mandate [which thankfully I haven't], should they not have notified me of the outstanding amount before referring it to a debt collector? There's been no refusal to pay or failure to contact/respond on my part so why should my costs have to increase? Definitely seems far from 'perfectly legal' to me.
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