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lancasterchelsea

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About lancasterchelsea

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  1. Gaz you can find Mindzai's s/s here...... Save it to desktop and run it http://members.aol.com/wolfcat451/MinziasCompoundSheet.xls I have just tried the link, saved the s/s and opened it and it works ok If you want my live/actual example I used with logic, tweaks and why you can argue compound interest .... pm me your email address and will send basically... you can argue... I mimiced what the banks did to me also if the charges went to debt collector and interest was frozen, you can still argue consequential interest.... I still had other live credit cards where I was paying 17% per year compounded monthly/daily. If I hadn't been charged the unlawful bank charges on one card I could have paid off part of the live credit cards years ago, and not paid compound interest on the live ones.
  2. Limitations is all about arguing Catch 22.... Yossarian.... if I am crazy I will be grounded, but if I ask to be grounded I must be sane, therefore cannot be grounded. Limitations says you cannot claim back more than 6 years but you can get past this if I made a mistake by paying the bank unlawful charges To prove I made a mistake and the charges are unlawful, I need to prove they are unlawful Therefore I need a full hearing on all charges more than 6 years old (therefore ignoring the 6 years rule) The bank says you cannot go back more than 6 years, even though if you could the 6 years rule would be proven to not apply "multiple items of illogical reasoning"
  3. 12% interest compounded on a daily basis from 1995 to today If you flatten the interest it works out at 27% interest added for every year to the original charges for unauthorised borrowing/unpaid fees So for every £1 charges in 95/99 they have repaid the charges plus another £3
  4. SUCCESS !!!!!!!!!!!!!!!!!! LLoyds/Martin O Johnson have paid in full..... including compound interest going back to 1995 As usual banks will do almost anything to avoid going to court this time the next hearing was to consider limitation Historic terms and conditions seems to do the trick
  5. SUCCESS !!!!!!!!!!!!!!!!!! LLoyds/Martin O Johnson have paid in full..... including compound interest going back to 1995 As usual banks will do almost anything to avoid going to court this time the next hearing was to consider limitation Historic terms and conditions seems to do the trick
  6. THINGS HAVE MOVED ONWARDS AND UPWARDS claim got stayed/staute barred..... but I appealled and was in court on 8th July... very good judge... Wragge never appeared/wrote in/anything Judge put case up to multi-track/2 day hearing/possible costs. Got to pay fees/ put my case together by September etc got this news today
  7. Good luck Tink I am involved in the pre 6 years rule with 2 business accounts... 2 different banks. I got the judge to agree to a separate limitations hearing... to argue that limitaions should not apply. One bank has paid up before going to court, and the other hearing with the other bank is 5 weeks away. My caims were approx 1990 to 1999
  8. I filed MCOL on 1st of month, I wrote and phoned MCOL to discontinue on 2nd, letter from MCOL confirming "claim has been withdrawn" on 3rd (but MCOL didn't mark claim as withdrawn which they should have done) acknowledge of service by bank(7th day) didn't get defence bank asked me for more info, (but I knew the case had been withdrawn)
  9. A conundrum................ I initially made my business claim though MCOL, and because of (a) the particulars of claim were too brief/inadequate, and (b) all MCOL business claims were being stayed, I withdrew the claim within 2 DAYS (!!!) of filing the claim on MCOL. About 6 months later, I made a new claim through my local court with a much more descriptive and much larger POC. So the first claim was very quickly withdrawn and 6 months later a new claim was started. The new claim is proceeding normally without a stay. I have now had a threatening letter from the bank's solicitors saying...that it is contrary to court laws and against the court process to issue the same claim twice. They also threaten that I will be charged with all their costs if I carry on. Do the solicitors think (1) I have 2 current court cases proceeding for the same claim.... which is obviously naughty.... and I haven't or (2) are they saying I cannot make a claim, withdraw it before it has got started, and before it might have been stayed, and reissue the claim later I haven't done (1)... I have done (2)
  10. court order arrived... 7th Aug to hear limitation as a preliminary issue will need T&C's from 95 to 99 by then
  11. I had no luck finding any T&C's in the library am I looking in the wrong place
  12. Thanks very much PM I've never used the library I will try and fnd it now again thanks for you kind help LC
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