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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures cosigned by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The DEfendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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need help getting my money back


bartonski
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hi guys,

im pretty crap with money. Although i work all the hours i have, never go out or buy anything fancy i still remain in dept. Every month for the past two years without fail natwest charges me 38.00 in fees. This ontop of interest pushes me over my overdraft for the next month. Its a cycle which i just cant get out of. I realize some people are writing to their banks and having some sucsess. Where can i get templates for these letters? can anyone help?

thanks in advance,

 

Rob

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hello and welcome to the BAG, if you click the link under this post, it will take you to the faq section, where all your questions will be answered and it will inform you how to procede, please take the time to read through it carefully, when you've finished, start a new thread in the appropriate bank forum and have any other questions answered there, b.o.l. :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Welcome.

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out so they are always to hand. Then look at other threads in NatWest's forum, so as you know what to expect along the way

 

You need to spend 2 or 3 days gradually getting your head round everything. There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

When you feel confident that you understand the process and the various stages involved, post your progress and any questions on this thread

 

Good luck

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Hi,

 

The Template letters are here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

With regards to your current situation, I would recommend you contact Natwest and explain to them your situation. As a responsible lender they do have to be sympathetic towards their customers and the chances are something can be worked out to stop the charges occurring. I had a similar problem with HSBC.

 

Hope this helps.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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  • 2 weeks later...

ok thanks guys. i opted to get past statements and payed 5 pounds in total for 4 years worth. Natwest have charged me a total of 924.50 during those 4 years. On some occasions ive been charged for going over my agreed overdraft limit only because i was pushed over by another charge the month before. On my way to sending the first letter but need to know what the schedule of charges are?

sorry for the dumb questions.....

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ok great ive found the template. just one thing on the letter i dont understand.

 

'What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX '

How do i work out the overdraft interest for the sum taken?

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

 

2. 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before.moneyclaim

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  • 2 weeks later...

Rang Natwest for 6 years worth of statements costing 5 pounds. Charges total 992 which is a lot less than i though but still enough to do something about. sent the preliminary letter yesterday to both my banks address and the address in boreham wood. thought id cover both bases....but now im starting to think that might have been a stupid mistake....or is that me just being paranoid?

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i guess alot of people here are getting replies stating that they are not going to refund any of the charges. does this mean i can start with the LBO now or shall i still wait a further 14 days from when they recieved the letter?

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recieved 6 years of statments after ringing customer services. the whole lot cost me £5 and came pretty quickly. Sent the fisrt letter to both my banks local address and to Borehamwood.on the 22/06. Thought id play it safe.... recieved a reply from Stuart Higley stating that they considered it and found the charges to be fair etc.. Recieved another letter 01/08 probably from the letter i sent to my bank which then got passed onto the customer services department in wimbledon. This was from Mark Chamberlain and stated that they need to look into the matter further and that they would contact me within the next 10 days.

I guess sending anything to Boreham wood is a waste of time

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  • 2 weeks later...

ok recieved a letter from mark chamberlain saying that they have reviewed the circumstances and have found that people who are recieving their money back are doing so as they have credit cards. current account charges are legal and fair as i was told about them from the beginning. Hmmm... is this right?

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  • 5 months later...

hi, i started to claim charges a while ago. After a letter saying that they would not refund anything i quit im afraid to say. Recentley i recieved a charge of £35. called the bank and asked them about it. the guy referred to it as a cheque garantee fee. I this wht they call them now? anyway i wont go into detail about the charge. I asked for them to waiver the charge. I got through to the lending department where they told me that they had already shown me a gesture of goodwill last year by refunding a charge. However they were willing to refund half and that that would be it...no more good will for me! I asked him why would natwest refund 6 years worth of charges to some people and only give me £15 back. 6 years worth is a big bunch of goodwill, but the guy couldnt speak anymore about it and that was it.

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Guest dwarren

Hi bartonski,

 

Go for it on reclaiming your charges. You will need to make sure you read all the FAQ's first which can be found here.

 

Don't be afraid to ask questions as people on these forums are very supportive and will help you every step of the way.

 

Remember the money is yours and if you follow the steps to the 'T' there is no reason you will not get every penny back!

 

Firstly you will need to send a SAR to Natwest with a £10 cheque / postal order to get your last 6 years worth of statements. Here is an example of a SAR that I sent to Natwest on my claim (My claim can be viewed here)

 

National Westminster Bank

135 Bishopsgate,

London

EC2M 3UR

 

02nd February 2007

 

Data Protection Act 1998

[template letter removed from thread - the templates are available to registered users only]

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