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Blagton

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About Blagton

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  1. Howdo, ....don't seem to have approval to view that page Mmm...argh....what to do ! I don't (can't afford) really want to risk facing the chance of increased costs if I were to "loose" if I don't have the where with all to finish the job of successfully (in my favour) especially of the odds of success are reduced due to the relatively small amount being charged within the last 6 years. S.32 doesn't seem to be something a non legal person can always make much sense of - other than not having all my original Statements until recently I wasn't really awa
  2. Evening (well morning) Slick, Many thanks again for your time in replying. OK, noted. Ta. Mmm...OK. I've used the Small Claims in the past (unrelated issues) and don't really have an issue with the thought of going down that route but any advise/info on what additional costs might be incurred if it got to the stage of “Fast Track”. I see mention of “£545 Fast-track” hearing fee ! I take it even if it was a case of me “seeking to keep in Small Claims” that would not be my decision ? I guess if I could just get back the Late Payme
  3. Hi SLick, Many thanks for the quick reply - appreciated. OK, I guess I should read something like this thread on s.32 then ? http://www.consumeractiongroup.co.uk/forum/showthread.php?248391-S.32-Limitation-Act-and-Bank-Charges Yes, there are some, albeit just a few within the last 6 years. Yup, will do. Barclaycard VISA 1. Total Charges Over 6 years 194.00 2. Total Charges within 6 years 48.00 3. Interest at 24.9% to date 1,885.22 Barclaycard Mastercard 1. Total Charges Over 6 years 546.00 2. Total Charges wi
  4. Hi All, First off I have made a similar post in the NatWest sections too – hope that's OK and not seen as a duplicate post ? I know, I know – much written already but I have spent the last few days reading through the many threads on here and elsewhere to try and get my head around things ! As with others who have have “left it late” why I have never got on with this earlier I don't know.......anyway... My enquiry just relates to Late Payment charges only. I have a Barclaycard VISA and Mastercard that go back some years when Barclays gave you just Barclaycard VISA a
  5. Hi All, First off I have made a similar post in the Barclays sections too – hope that's OK and not seen as a duplicate post ? I know, I know – much written already but I have spent the last few days reading through the many threads on here and elsewhere to try and get my head around things ! As with others who have have “left it late” why I have never got on with this earlier I don't know.......anyway... My enquiry just relates to Late Payment charges only. I have a NatWest VISA and Mastercard that go back some years when Barclays gave you just Barrclaycard VISA and o
  6. Where have you read this this conflicting info ? Blagton
  7. Take some time to read a small number of threads on here and you will see that there are loads of of people the same as you. You will also come to realise the 3 rules you need to follow are: 1. Ignore 2. Ignore 3. Return to 1 Don't bother wasting your time worrying about it or communcating any further with them. Just ignore the junk that will come from them. Make sure though you understand why you are ignoring (Contract Law - claims for actual loss, contract is with driver not RK and so on) then so you can advise your friends and family should they end up in the same situati
  8. Nothing will happen although in the interim period you will receive, spread over several months junk mail some correspondence from NCP and their cronies suggesting all manner of things will happen to you if you don't pay. It won't. Read the threads on here to familiarise yourself with how the PPC operate and why the advice is to do nothing. Once you have that sorted make sure you tell your family and friends what to do if they end up in the same situation. Blagton
  9. How about you tell them I was driving and send me the £75 ? Would you do that ? Blagton.
  10. They may see you as a fish wrigging on the end of the line and if they send enough really scary letters you may give in ! Just don't bother to respond to anything else they send you - your next letter will be one that goes along the lines of "we have considered the comments in your letter but find no reason to cancel the charge on this occasion - pay up" ! As you have probably read already yiou will then receive a series of letters suggesting all manner of things will happen to you if you don't pay - it won't. File them away and you have something to show family or friends who might
  11. By ignoring you can be sure that the you will be sent the regular set of letters over several months so you can take pleasure in the fact you are doing your bit for the postmen and women of Royal Mail. Blagton.
  12. OK, let me think on that for a second or two................ ...OK, I think I can now provide you with the following advice: Ignore. You must do this until you receive the next price of junk mail correspondence from them when you must: Ignore some more Thats it. You say that you "have just found the forum" - in which case take some time to read a selection of posts regarding PPC so you will become familiar with why you should ignore them (I appreciate it looks like you have done that already but keep reading). The same situations occur over and over again but onc
  13. How can they issue proceedings against you when they don't know who "You are" They only have the lease company details as RK. If I say you owe me £100 would you pay ? Well one solutuion is to instruct the Lease Company to reveal who the driver was (ie you) and that all further communiation should be sent to you direct. Once that has been done the lease company will be out of the loop and you can then ignore any comminication they send you. I would also suggest you try to make sure you understand how the [problem] works - Forget them all - your hav
  14. Well, being the very thoughtful people that CEL are (yeh, yeh , OK) they have already given you all the advice you need thmeselves: Blagton.
  15. Does your Wife often throw £115 in the direction of strangers on receipt of an Invoice for somthing she never ordered ? If so let me have your address as I could do with boost to my holiday fund. Blagton.
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