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    • I agree with my site team colleague above. We need to know all the facts including which company you are dealing with and an explanation of the problem. It really is too difficult to start giving speculative advice on some speculative problem that you have laid out as a generalised scenario
    • Moorcroft are sending a rep round to my house this week. What is the best way to handle this? Ignore and not answer the door or engage with them? I haven't acknowledged anything since I started on this journey and defaulted on my cards in December 2022
    • Very sorry but with the best will in the world, I don't think we can at all understand what the situation is here. Please can you try rewriting this on a word processor and maybe send a copy of what you have written to a friend and working out together so that the story is complete but as brief as possible. Maybe a list of dates as well. If you can do that and then repost your story we can have a look
    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
    • Susan Crichton is at the Inquiry today. She seems to have trouble remembering a lot of things but seems to find it easier if it's something that shows her in a good light.
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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.

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      This is good ethical practice.

      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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Nicho1120 vs halifax


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you can send helispex a copy of the claim and the charges and send the court a copy of the charges as well. no need to send recorded.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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But do get Certificate of Posting (it's free anyway)

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Hi...

Sorry to interrupt on your thread but ihave gone through all the threads including this one regarding the interest calculations and still am confused.

the 8% interest is calculated yearly but when filling in the moneyclaim what exactly do i do

Eg. claimant claims interest under section 69 ....at the rate of 8% a year from xx to xx of (what is this total) and also interest at the same rate up to judgement or early payment at a daily rate of (what rate do i put here).

Please help as i am filling my claim in today

thanks caroline

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Hi Caroline,

You need to input your details into the spreadsheet which can be found in the templates libary. This will calculate your 8% interest to date so you can put this fugure into your moneyclaim.

 

For the total for the daily rate:

 

Multiply the total claimed (your total + the 8% interest - but not including court costs) by .00022 - this gives the daily rate where 0.xx = xx pence.

 

Hope that helps and good luck

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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For the total for the daily rate:

 

Multiply the total claimed (your total + the 8% interest - but not including court costs) by .00022 - this gives the daily rate where 0.xx = xx pence.

 

 

The daily rate is the total of your charges (including overdraft interest on those charges ,if you are claiming this) multiplied by 0.00022.

It doesn't include the s69 8% interest, otherwise you are claiming interest on interest.

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  • 2 months later...

I will be starting a money claim soon and am totally baffled by the whole interest spreadsheet. Do I take it you put your details into that and it works it all out for your or you have to sit there and work out the days and the daily interest rate??? Is the 0.022 a standard daily rate? Any help would be much appreciated as I don't want to mess things up at this stage.

 

Thanks

 

Lig24:confused:

Lig 24 :p

Claiming £3,000

Claim filed 16.11.06

Acknowledged 29.11.06

Defence filed 19.12.06

50% offer made 3.1.07 - declined 5.1.07

Paid in full February 2007!!!!!

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Hi,

 

Sorry to jump into this thread. I am also just starting to complete my claim form and am a little stuck! I have read lots of differents threads but still can't quite get the hang fo it! I am trying to obtain charges on 2 banks accoutns within Lloyds, do i need to make 2 cliams?

Also do you need to state the monetary value which you are trying to claim?

very simple I know sorry!

 

Many thanks

 

Elise:cool:

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Most of my charges were quite recent so I didn't add the daily interest up till judgement, because it would be too small, unless they decide to drag it our for years that is lol

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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