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Everything posted by StudentInDebt

  1. Forgive me if I am being slow but having read through the Road Traffic Act 1991 Section 66 and Schedule 6 I can't find any reference to a PCN having to contain the words "date of issue". Another question I have is that Section 66 of the act is contained in Part II which is titled "Traffic in London" and Section 66 itself is titled "Parking Penalties in London", how does this get extended to cover Blackpool (or indeed Brighton)?
  2. Thomas Cook policy on UMs: http://thomascooknew.custhelp.com/cgi-bin/thomascooknew.cfg/php/enduser/std_adp.php?p_faqid=96&p_created=1110908222&p_sid=FEo*vhai&p_lva=&p_sp=cF9zcmNoPTEmcF9zb3J0X2J5PSZwX2dyaWRzb3J0PSZwX3Jvd19jbnQ9MSZwX3Byb2RzPTAmcF9jYXRzPSZwX3B2PSZwX2N2PSZwX3BhZ2U9MSZwX3NlYXJjaF90ZXh0PXVuYWNjb21wYW5pZWQ*&p_li=&p_topview=1
  3. Once they have filed their allocation questionaire they will send you a letter outlining how they plan to defend the case, why your claim is unfounded and how the judge will find in their favour should the matter go to court. At this stage they may decide to make you an offer to settle.
  4. Received 2 letters yesterday in the same envelope, one detailed how Martineau Johnson planned to fight all the way to the courtroom, the other was the offer of a full settlement. I have decided to accept their offer Donation will be made once the funds are received.
  5. I sent a DPA request for credit card statements along with a cheque, I received them within a week or so and a credit of £10 on my credit card account!!
  6. In that case why don't we lobby the CAA to allow airlines to do away with emergency exits, escape slides, life-jackets, seatbelts, emergency equipment and remove the costly safety aspect of training for Cabin Crew? Afterall, by this reckoning, all this equipment is useless and costing us consumers as the airlines have to pass on the cost of carrying the equipment (in fuel burn) and the cost of maintaining it (£50 to service a lifejacket every year or so). The reason for insisting that so called "able-bodied" persons sit at these overwing exits has nothing to do with emergencies that occu
  7. Fair enough Found this though: http://www.oft.gov.uk/News/Press+releases/1999/PN+43c-99.htm
  8. Extract from http://www.legal500.com/devs/uk/co/ukco_022.htm (in the library) If you are using the standard letters on this site then this is the principle argument against unauthorised overdraft fees, direct debits fees etc - the SOGAS and Unfair Terms and Conditions acts are icing on the cake. Although I am not a solicitor what's the difference? There a couple of other examples of case law out there along these lines.
  9. Anybody got any ideas on how to get the original Terms and Conditions for accounts with the LloydsTSB? Over the last 6 years I've changed from a graduate to a classic to a classic plus account and I've lost the T&Cs that I signed at the time. The reason I ask is I think they've changed the way they charge for unauthorised overdrafts from when most of my charges were incurred (for unauthorised overdrafts they used to take £10 straight away and send a letter, now they charge £30 but don't apply the charges until the next statement) but I guess I may need to show this in court.
  10. I'm no solicitor, in fact I've no legal training whatsoever but I believe that the "consideration for the service" is the charge and it is not specified in the Terms and Conditions (I think, been trying all afternoon to get a copy of the Lloyds T&Cs for my account). The charge is set out in the charges leaflet which I guess is being "left to be determined in a manner agreed by the contract or determined ...". Therefore the charge must be reasonable. If it is a breach of the T&Cs then in addition to the acts on the site here, I think you could also throw Dunlop Pneumatic Tyre Co
  11. I've sent you the PM Bookworm. As I understand it, if I make the request under the DPA the bank have 40 days to respond. From my reading there is no requirement for disclosure in the small claims court, if the bank defend that case on the basis that the charges are for "additional work" (as they do in their standard letters) presumably I would have to wait upto the maximum time available under the DPA to get the manual intevention information.
  12. Hi there Been following this forum since I heard Stephen Hone on the LBC James O'Brien show (they put a link to it on their website at the time). Having gone through all the steps and had the standard letters from Birmingham, I filed my claim yesterday for £900 plus court interest and fees. Been through all the leglislation and court advice sections of the forum several times but I just noticed the new DPA letter which mentions 'manual intervention on the account'. When I started the process in March this letter was not in the library and I am now wondering if I should now send a r
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