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    • Name of the Claimant ? Calderdale College   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 16/09/21   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = 05/10/21 + 14 days to submit defence = 19/10/21 (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. The Claimant claims the sum of £1042.50 in respect of tuition fees, details of which have been delivered to the Defendant. Payment has not been made and the Claimant therefore claims – 1. The sum of £1042.50 being as to the sum due. 2. Costs. The Claimant has complied with the Pre-Action Protocol for Debt Claims dated this 15/09/2021. The Claimant claims interest under section 69 of the County Court Act 1984 at the rate of 8.00% a year from 30/05/2019 to 15/09/2021 on £1042.50 and also interest at the same rate up to the  date of judgment or earlier payment at a daily rate of £0.23.   What is the total value of the claim? £1394.44   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No  Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Tuition Fees   When did you enter into the original agreement before or after April 2007 ? After April 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? At the college – signed paper.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No.   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. STA International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Received letters from STA International chasing debt.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Was withdrawn by course tutor from the course.   What was the date of your last payment? 29 March 2019   Was there a dispute with the original creditor that remains unresolved? Yes   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the house was empty for 5 months presumably no-one was watching TV there. An empty house does not need a TV licence if the TV set is not in use. And you don't have a legal obligation to advise TVL that a house is empty.   So apart from the other points already mentioned about TVL you weren't committing a TV licence offence anyway!
    • It's a standard disclaimer, potential employers are unlikely to draw the conclusion that you have. Don't worry about it.
    • Big fish. Little fish.   I bought a product that was marked wrong, through misleading information from a massive company and wondered how I should the raise the issue with them that might be to both our advantages, ie. both helping them while maybe being rewarded/compensated.   I'm entirely within my rights to do this and there's nothing unethical about it.   You'd think I was trying to commit fraud for pity's sake. Who has never tried to take advantage of a big company making a mistake?    I used to get free credits from Apple for spotting spelling errors on iTunes.   The company made a mistake and I was sold a product under false pretences! Therefore I'm either getting less than what I thought I was paying for, or I can ask for a refund and several hours of my time have been wasted. How on earth you can turn that round on to me and try to make out that I'm the one trying to do a wrong turn is really quite something.. 
    • The thread was moved because you are asking advice about deliberately taking advantage of someone else's mistake to gain some extra benefit.   If somebody tried to do that to you I expect that you would be very happy and you would say that it was unfair. You would be right. As I've already said, this is not the kind of thing we get into.
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Help needed v Alliance and Leicester


bmibabyfc
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Hi all...

 

Well after getting all my bank charges back its now PPI i am after as i believe i was mis sold it, in other words told unless i had it i wouldnt get the loan which i needed...

 

I need some help please as i am a bit lost as to what A and L actually have sent me and cannot make sense of it all...

 

It took about 8 weeks to get them to send information on my loan after sending the SAR, they didnt even acknowledge my loan and just sent 5 months worth of bank statements which were no good to me at all... I had to send a letter off to the financial obs to get the information i was after!!

 

Anyway, i have received a personal loan statement and would like to know exactly what i can reclaim on - please also note an unpaid direct debit charge of £152.34 which i will be most certainly claiming back for...

 

Anyway here is the table i have been sent...

 

credits debits balance

19/04/05 loan principal £6000 £6000

19/04/05 interest on insurance £325.99 £6325.99

19/04/05 interest on principal £1563.00 £7888.99

19/04/05 insurance principal £1251.41 £9140.40

01/06/05 direct debit £152.34 £8988.06

01/06/05 unpaid direct debit £152.34 £9140.40

18/08/05 payment received £126.72 £9013.68

01/10/05 payment received £130.00 £8883.68

03/11/05 payment received £130.00 £8753.68

18/11/05 interest on principal £1132.53 £7621.15

18/11/05 interest on insurance £236.21 £7384.94

18/11/05 insurance principal £978.56 £6406.38

18/11/05 payment received £6536.38 -£130.00

25/11/05 refund of credit balance £130.00 £0.00

 

Now if anyone can make sense of that it would be greatly appreciated...

 

As said i will be claiming for the unpaid direct debit fee of £152.34 (crazy!!) the question is do i do that seperatly from the ppi claim or all as one?

 

As always thanks for your help...

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Hi all...

 

Well after getting all my bank charges back its now PPI i am after as i believe i was mis sold it, in other words told unless i had it i wouldnt get the loan which i needed...

 

I need some help please as i am a bit lost as to what A and L actually have sent me and cannot make sense of it all...

 

It took about 8 weeks to get them to send information on my loan after sending the S.A.R - (Subject Access Request), they didnt even acknowledge my loan and just sent 5 months worth of bank statements which were no good to me at all... I had to send a letter off to the financial obs to get the information i was after!!

 

Anyway, i have received a personal loan statement and would like to know exactly what i can reclaim on - please also note an unpaid direct debit charge of £152.34 which i will be most certainly claiming back for...

 

Anyway here is the table i have been sent...

 

credits debits balance

19/04/05 loan principal £6000 £6000

19/04/05 interest on insurance £325.99 £6325.99

19/04/05 interest on principal £1563.00 £7888.99

19/04/05 insurance principal £1251.41 £9140.40 These figures in red is the actual amount they charged you for ppi £1,577.40

01/06/05 direct debit £152.34 £8988.06

01/06/05 unpaid direct debit £152.34 £9140.40

18/08/05 payment received £126.72 £9013.68

01/10/05 payment received £130.00 £8883.68

03/11/05 payment received £130.00 £8753.68

18/11/05 interest on principal £1132.53 £7621.15

18/11/05 interest on insurance £236.21 £7384.94

18/11/05 insurance principal £978.56 £6406.38

looks like they refunded this back a total of £1,214.77

18/11/05 payment received £6536.38 -£130.00 Is this what you paid to finish the loan

25/11/05 refund of credit balance £130.00 £0.00

 

Now if anyone can make sense of that it would be greatly appreciated...

 

As said i will be claiming for the unpaid direct debit fee of £152.34 (crazy!!) the question is do i do that seperatly from the ppi claim or all as one?

 

As always thanks for your help...

 

Hello,

 

I have put a few comments above. According to the figures you have paid the loan off in November 05. Is this correct????? It looks like they refunded some of the unpaid insurance and interest principle back into the loan therefore reducing the balance owing. It looks like you actually paid them £362.63 ppi and interest for the short term you had the loan. IMHO you can go for the £362.63 and add on 8% interest from the start of the loan.

 

If I have mis-understood, please correct me:D

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If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi hells...

 

Yes i paid the loan off in November 05, i think your estimation is the figure that i am coming too...

 

I will send the letter off asking for the PPI difference back, is there any need to mention the figure owed or will they work that out themselves?

 

thanks again for your help...

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Hi hells...

 

Yes i paid the loan off in November 05, i think your estimation is the figure that i am coming too...

 

I will send the letter off asking for the PPI difference back, is there any need to mention the figure owed or will they work that out themselves?

 

thanks again for your help...

 

Hello Bmibabyfc,

 

Many thanks for your click:D I am pleased to help.

 

Personally I would tell them exactly the amount I require back as a refund, and I would also ask for the 8% statutory interest on top. If you don't ask, you don't get. This 8% interest you can work out on the spreadsheet on the bank charges template sticky on the main page of the forum. From 2005 should be worth asking for:D

 

If you get stuck give a shout.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 4 weeks later...

Right then...

 

A and L have offered me £157.74 as a settlement....

 

I think i should refuse that and go on the figure that Hells came up with, do you agree?

 

Take it i just go online and file the court case against them like the bank charges?

 

Any help is appreciated...

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Right then...

 

A and L have offered me £157.74 as a settlement....

 

I think i should refuse that and go on the figure that Hells came up with, do you agree?

 

Take it i just go online and file the court case against them like the bank charges?

 

Any help is appreciated...

 

Hello Bmibaby,

 

Yes I think if you accept their offer, you will sell yourself short.

 

You can write back to them accepting their offer as part settlement, but you still want the rest, give them another 10days for further reflection, or you will issue a N1 at your local court. If they do not comply, then it is best to issue a N1 at your local court. You will find the N1 in the bank template letter section on the main page of the forum. You can put more done on your poc. The mcol is about limited as the wordage is limited.

 

If you want to post up your poc before sending for comments, that is up to you.

 

Are you after the amount plus 8%:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks matey...

 

Yes, i intend to claim back the £362.63 plus the 8% interest since 2005...

 

I have written to them today telling them that i will accept the other as part settlement but will be claiming for the rest through court...

 

Are you pretty convinced about the sum being owed of £362.63 - i am struggling to work it out again for that amount?

 

I did receive £130.00 back in Nov 05 as i think i paid too much off the balance and they ended up owing me money, you dont think this has anything to do with PPI do you?

 

thanks again matey...

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  • 3 weeks later...

Hi all

 

Well i gave them a further 10 days to review the offer and they have come back with a settlement off £170.00 which includes 8% interest...

 

As worked out above Hells you seemed to think i should be owed £362.63 - are you pretty sure this is the amount i should be claiming as if you are i will take your word for it and issue claim tonight online against them for this amount... It seems that A and L dont think it is this much???

 

They did give me £130.00 back after i paid the final balance off... Was this PPI being refunded???

 

Any help appreciated as i want to get this sorted!!! :rolleyes:

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Hi all

 

Well i gave them a further 10 days to review the offer and they have come back with a settlement off £170.00 which includes 8% interest...

 

As worked out above Hells you seemed to think i should be owed £362.63 - are you pretty sure this is the amount i should be claiming as if you are i will take your word for it and issue claim tonight online against them for this amount... It seems that A and L dont think it is this much???

 

They did give me £130.00 back after i paid the final balance off... Was this PPI being refunded???

 

Any help appreciated as i want to get this sorted!!! :rolleyes:

 

Hello Bmibaby,

 

I must admit that I am not an accountant, so the figures I calculated may or may not be correct. Please check the figures yourself, or ask them how they calculated them for the refund. What did they say in their response?????? If you received £130 back after you paid of the balance, this could have been a ppi refund.

 

Let me know what you think

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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