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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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If you can send me a copy of the court claim, the last letter you had from the court and any statements you have relating to the payments made on the account. I will PM you my fax number.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Originally Posted by Tinkerbell20 viewpost.gif This agreement is unenforceable. Can you update where you are with this?

 

Hi Tinkerbell20,

Just wondering why you think this agreement is unenforceable?

 

 

I agree with this view on these grounds.

 

The agreement should really be deemed unenforceable, due to the fact that it is a "multiple agreement".

The jist of the argument in respect of contesting the validity of the agreement under the terms of of "multipe agreements" are as follows:

 

(With acknowledgment to PT2537, who originally posted this)

 

Quote (by PT):

 

Ok so what does this mean, well, lets say you borrow £6000 from Nasty Banking Corp, the loan is for you to use as you like and therefore you would have fixed sum credit See s10 (1)(B) CCA, unrestricted use credit See s11 (2) CCA and finally it would be a debtor-creditor agreement as defined within s13 CCA

 

Now if you add PPI to the loan, this changes things slightly, why? Well in my view if you borrow £6000 from Nasty Banking Corp and then you add a PPI policy for example adding another £1500 of credit you are turning it into a multiple agreement

 

The PPI is fixed sum credit as set out in section 10 CCA but it is not unrestricted use, instead its restricted use credit ( See s11 CCA) as you do not have any say over its use, it is in effect only credit for the purchase of the PPI policy and additionally it is a debtor-creditor-supplier agreement as it would be undoubtedly underwritten by another specialist insurer and not the creditor and therefore it falls within the definition given in section 12 CCA

 

So in effect what we have with the £6000 loan and the £1500 PPI is a multiple agreement with “part of it within one category of agreement mentioned in this Act, and another part of it within a different category of agreement so mentioned, or within a category of agreement not so mentioned”

 

This is because the £6000 is fixed sum, unrestricted use debtor creditor and the £1500 is fixed sum, restricted use Debtor-creditor-supplier

 

Therefore since this type of agreement falls within s18, it means that as defined in s18 (2) CCA that the document is to be treated as 2 separate agreements and each agreement must have its own prescribed terms for each part

 

Therefore each piece of credit must have its own term stating the amount of credit, repayments and all other statutory info, in addition the PPI policy would need to have a term stating the Cash Price of the policy, due to it being a restricted use debtor creditor supplier agreement.

 

In essence there should be the following

 

Loan

 

Amount of Credit £6000

Repayments 60 payments of £XXXXXX

Total amount payable £XXXXXXXX

 

APR 16.9%

 

 

 

PPI

 

Amount of credit £1500

Repayments 60 payments of £XXXXXXX

Total amount payable £ XXXXXXXXX

 

Apr 16.9%

 

Cash price of policy £1500

 

 

the agreement may not be set out exactly as above but that is to give you an idea of what it must contain

 

 

If the agreement fails to correctly set matters out in accordance with s18 then the lender risks falling foul of the form and content requirements of section 60 CCA and could be improperly executed as set out within section 61(1) (a) CCA 1974 thus becoming unenforceable

 

the main thing to remember is that you have two agreement within one document, so there must be a set of prescribed terms for each piece of credit, it is permissible to add the prescribed terms together and then state them as total amounts BUT they must be also stated in their separate parts.

 

Here is the link to PT's thread on this matter:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/171037-multiple-agreements-falling-within.html

 

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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In laymans terms.

 

The loan consists of 2 separate loans.

 

The first is the loan of the money for your own use, as you wish.

 

The second loan is for the insurance, which is and can only be used for the insurance.

 

This means, that as part of the loan is for an unrestricted use, and the other part is only for a restricted use, then it is a "multiple agreement".

 

Under law, any such agreement must make clear how the interest, and the repayments of each separate part have been calculated.

 

It is not permissible for the lender to simply lump the two parts together, THEN add interest, THEN split it into repayments.

 

The loan part must be laid down, with the interest that will be payable on such then listed, then the installments for such listed.

 

Then SEPARATELY, the PPI loan must be listed in the same manner, ie: the amount of credit for the PPI, the interest payable on such, and the installments payable for such.

 

Have a read of PT's thread, and see if you can use this.

 

I don't know if you can appeal the judgement that it appears has already been given, or whether you will need to appeal it separately o these grounds.

 

I'm sure someone (perhaps PT) will be able to advise on this point.

 

Best regards.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I have the paperwork! Looking good so far. I am working out how much you have actually paid, but at the very start I see that the loan amount showing on the statement does not match the agreement - it is almost £200 more and that is before the PPI is added, and there are some lovely charges too:D.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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OK have done my homework.

 

The opening balance on the loan statement is £1184.49 and not £1000. It seems to be the £1000 plus the PPI plus £45 which is obviously some sort of arrangement fee which I can't see anywhere on the agreement. The PPI has then been added on again two months later.

 

I have put the statements on a spreadsheet using 1.89% per month interest. If you take the PPI out of it you have overpaid them by £511, if you add the PPI on you owe them £124.

 

The remainder is all charges and interest. I think you can say the account was in dispute from Mar 07 to Mar 08 after they failed to comply with your CCA request in which case they did not have the right to impose charges etc during that period. There were £110 of charges imposed during the period you were making payments - these are not included in my calculation which is simply what you borrowed, what you have paid and what interest should have been charged.

 

The agreement situation is weird too. The PPI is shown on the main agreement but there is a separate PPI agreement as well. The main agreement shows that the monthly payment is £24.08 but what you have actually been paying is £24.08 plus a further £2.96 as a separate payment for the PPI.

 

Also, there is a letter from Asset Link Capital in response to your request for further information stating that they will not supply further information without receiving a £5 SAR fee. This is dated 23/7/08 and as your request was under the Civil Procedure Rules and the matter was subject to court action this is another naughty.

 

I think there is enough here to blow them out of the water. If anyone else can help me knock up a suitable defence all help is welcome. Even if it is New Year's Eve I am sure I'm not the only Cagger chilling out at home with a few bottles of red.

 

All the best Big Al. And you have to thank my son, little Al, for collecting all the sheets from the fax machine:D

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I think there is enough here to blow them out of the water. If anyone else can help me knock up a suitable defence all help is welcome. Even if it is New Year's Eve I am sure I'm not the only Cagger chilling out at home with a few bottles of red.

 

All the best Big Al. And you have to thank my son, little Al, for collecting all the sheets from the fax machine:D

 

Oh i think we can manage that, after all it would be rude not to.

 

When does the defence need to be done by?

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Thanks again goldlady and little Al of course! I cant thank you enough for doing this on new years eve for me.

Hi PT the defence needs to be in no later than 14 days before the court date which is on 20th jan 2009.

regards---BIG AL

 

Oh and a Happy New Year to All

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Hi PT,

 

Any comments on the multiple agreement aspect ?

 

is it applicable in this case, and can it still be used at this stage ?

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Is there any chance Goldlady or anyone else can post a summary so i can see where we are at without having to trawl through every post

 

im strapped for time currently so id appreciate a breakdown so i know what we are defending

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Will get it sorted in the morning ;) I think I have enough info!

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I think the way to go on this one is that the loan has been fully repaid. On the agreement it says 120 monthly payments of £24.08 - and the PPI is included in the total loan figure. Then there is a separate policy for the PPI showing a monthly installment of £2.96. BigAl actually paid £24.08 and £2.96 per month.

 

On the statements the PPI has been added to the balance twice - once at the outset and again a month later, plus a charge of £45 which is not mentioned on the agreement. This means that the total loan amount has been increased by £189.49 incorrectly and not in accordance with the agreement.

 

In order to correct this error as the statements cannot be relied upon I have worked out the running of the loan as if the errors had never been made, using the interest rate shown on the agreement. This means that if the PPI had never been included (not sure if it was agreed to or mis-sold) then by the time Big Al stopped paying he had overpaid by £511 and should claim a refund. If the PPI was required and fair then he owes them £124. The rest of the amount claimed is charges and interest.

 

Also, it took them a year to find the CCA during which time BigAl stopped making payments.

 

I am not conversant with how you get the whole claim struck out due to the agreement being incorrect, but think there is something in that. I can get the spreadsheets sorted to assist in the defence if needed.

 

I will be offline for a while as working on another computer, but back later. I hope this is of use.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Original amount borrowed was £1000 BTW

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Hi All,

Ive got while closing time tomorow to get my defence into the county court! I do live only half a mile from the court so can drop it in by hand if that helps with time? What is it that i need now? Do i just need a letter stating my defence against LINK?

Kindest Regards--BIG AL

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OK here is a Goldlady attempt. I can get the spreadsheet to you either by fax or email so you can attach it to the defence. Not sure what anyone thinks of this - all suggestions welcome;). I know what I want to say, and this is how I would say it:

 

 

I am the defendant in this matter.

 

 

On 24 Jul 2000 my former partner and I borrowed £1000 for some roof repairs.

 

 

From then until January 2007 I paid a total of £27.04 per month to First National. When I struggled to continue with the repayments I was advised by a debt charity to request a copy of my Consumer Credit Agreement to ensure that the outstanding amount was correct. I made this request in January 2007 and I understand that until a copy of the agreement is produced the account is in dispute and no action may be taken by the creditor, including the addition of default charges.

 

 

In June 2007 I received a letter from the claimant stating that the debt had been sold to them by GE Consumer Lending Limited. I understand that such a notice should originate from the original creditor and not from the assignee.

 

 

In July 2008 I received a copy of the Agreement, which is at Appendix A. This shows that payment protection insurance of £139.45 was added to the loan at the outset, which I now understand to be incorrect practice. Also, the loan agreement shows that the monthly payment will be £24.08 whereas I have been paying £27.04. Further investigation of the statements supplied with the agreement, which are at Appendix B, shows that the initial loan balance was incorrect, as even with the £1000 and the PPI of £139.45 the total should have been £1139.45 - a further £45 has been added which is not mentioned in the agreement. Furthermore, it then appears that the payment protection insurance has been added on again on 22 September 2000 as a further £139.45 has been added to the loan – this is also shown on the statement.

 

 

I asked the claimant for further information under the Civil Procedure Rules in order to establish how the payment protection insurance had been discussed and implemented however they refused to provide me with further information, as stated in their letter of 23 July 2008, at Appendix C, which shows they treated my request as a data subject access request when the matter was already in the litigation process.

 

 

I have had the loan recalculated by an accountant, using the interest rate of 1.89% per month quoted in the agreement. As I have no recollection of agreeing to payment protection insurance, and the claimant has not satisfactorily proved this to me, this recalculation actually shows that I have overpaid the claimant by a total of £510.81. A copy of the spreadsheet is at Appendix D.

 

 

As I have only recently discovered this overpayment I have not submitted a counterclaim. However if possible I wish to seek the court's permission to do so now.

Edited by Goldlady
changed a number
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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I think the spreadsheet should be attached to this post as a PDF. I am concerned that I might not get it to you in time as you appear to be offline at the moment.

 

 

 

 

Wow - I didn't know I could do that!!!

Big Al's loan calc.pdf

Edited by Goldlady
realised it worked

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

OK here is a Goldlady attempt. I can get the spreadsheet to you either by fax or email so you can attach it to the defence. Not sure what anyone thinks of this - all suggestions welcome;). I know what I want to say, and this is how I would say it:

 

 

I am the defendant in this matter.

 

 

On 24 Jul 2000 my former partner and I borrowed £1000 for some roof repairs.

 

 

From then until January 2007 I paid a total of £27.04 per month to First National. When I struggled to continue with the repayments I was advised by a debt charity to request a copy of my Consumer Credit Agreement to ensure that the outstanding amount was correct. I made this request in January 2007 and I understand that until a copy of the agreement is produced the account is in dispute and no action may be taken by the creditor, including the addition of default charges.

 

 

In June 2007 I received a letter from the claimant stating that the debt had been sold to them by GE Consumer Lending Limited. I understand that such a notice should originate from the original creditor and not from the assignee.

 

 

In July 2008 I received a copy of the Agreement, which is at Appendix A. This shows that payment protection insurance of £139.45 was added to the loan at the outset, which I now understand to be incorrect practice. Also, the loan agreement shows that the monthly payment will be £24.08 whereas I have been paying £27.04. Further investigation of the statements supplied with the agreement, which are at Appendix B, shows that the initial loan balance was incorrect, as even with the £1000 and the PPI of £139.45 the total should have been £1139.45 - a further £45 has been added which is not mentioned in the agreement. Furthermore, it then appears that the payment protection insurance has been added on again on 22 September 2000 as a further £139.45 has been added to the loan – this is also shown on the statement.

 

 

I asked the claimant for further information under the Civil Procedure Rules in order to establish how the payment protection insurance had been discussed and implemented however they refused to provide me with further information, as stated in their letter of 23 July 2008, at Appendix C, which shows they treated my request as a data subject access request when the matter was already in the litigation process.

 

 

I have had the loan recalculated by an accountant, using the interest rate of 1.89% per month quoted in the agreement. As I have no recollection of agreeing to payment protection insurance, and the claimant has not satisfactorily proved this to me, this recalculation actually shows that I have overpaid the claimant by a total of £510.81. A copy of the spreadsheet is at Appendix D.

 

 

As I have only recently discovered this overpayment I have not submitted a counterclaim. However if possible I wish to seek the court's permission to do so now.

Hi

 

Im so sorry for not looking in earlier

 

I have had family staying with me and they have come over from Oz

Right,

 

That looks fine GL,

the only thing i would add.

 

1. It is denied that the Defendant is indebted to the claimant as pleaded

and

 

2. without admission that any cause of action is shown by the Claimant it is denied that the Claimant has a claim whether as pleaded or at all

 

other than that, its fine

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G'day Paul, thanks for looking in;). Not sure where BigAl has gone but hopefully he will pick this lot up tomorrow.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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BigAl, where did you go? I hope you got the defence to the court in time;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 1 month later...

OK, update on this thread. BigAl and I went to court on the appointed day and the other side didn't make it; not their fault, so it has been adjourned. They sent a local solicitor who knew nothing about the case but as she was their 'agent' I had a chat with her about BigAl's situation.

 

To recap, he borrowed £1000 ten years ago. He has paid them over £2000 and they are suing him for nearly £1800.

 

What I found when examining the documents was that PPI was added to the loan at the outset and then on the statements supplied the PPI was added on again a month later. There was a PPI agreement separate to the loan agreement which was dated about a month after the agreement's inception. At the time of the hearing I was of the opinion that the PPI had been added on twice and said so. We sent a letter to the other side saying that we would be pursuing them for an overpayment of around £500 plus my costs if I had to attend court a second time.

 

Reply from other side to our letter says that PPI was taken out for BigAl's OH in addition to the PPI for him after the original agreement was set up. BigAl has no recollection of this and indeed thinks it is unlikely they would have requested it, and the other side have not responded to his CPR request so we have no proof either way about this. But the PPI agreement is in the ex OH's name so this seems to give validity to their argument.

 

What I need to know now is if they can get away with the PPI for the ex OH, can they get away with the PPI for BigAl which was included in the original agreement when there is no separate agreement for it? The payments for the second PPI policy are shown separately on the statements, but the first one is embedded in the loan.

 

I hope this post makes sense:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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