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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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If I remember rightly. The part on the N1 form your on about is in the partiulars of claim. you total up the charges and interest here. The section 69 interest is added later. One point... when filling in the form don't put the fixed amount in the box bottom right. Just fill in the "Value of Claim" section. i.e...

 

I do not expect my claim to exceed (for instance) £5000

Charges: £1000

Interest on charges: £500

County Courts Section 69: £300

 

Dont copy those figures.. just an example.

 

Also... I guess you think your exempt because your on benefits? If this is the case, certain benefits make you exempt automatically. Unfortunately, you can't submit the forms online. Find out where your local county court is. If your unsure about the fees, phone and ask, mine have been very helpful. To submit the forms, you'll need proof of the benefit you're on, this needs to be an award letter that's no older than about 3 months (I think) might be 6 months.

 

PM and let me know what benefit you are on, and I'll get back to you asap.

Nita

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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If I remember rightly. The part on the N1 form your on about is in the partiulars of claim. you total up the charges and interest here. The section 69 interest is added later. One point... when filling in the form don't put the fixed amount in the box bottom right. Just fill in the "Value of Claim" section. i.e...

 

I do not expect my claim to exceed (for instance) £5000

Charges: £1000

Interest on charges: £500

County Courts Section 69: £300

 

Dont copy those figures.. just an example.

 

Also... I guess you think your exempt because your on benefits? If this is the case, certain benefits make you exempt automatically. Unfortunately, you can't submit the forms online. Find out where your local county court is. If your unsure about the fees, phone and ask, mine have been very helpful. To submit the forms, you'll need proof of the benefit you're on, this needs to be an award letter that's no older than about 3 months (I think) might be 6 months.

 

PM and let me know what benefit you are on, and I'll get back to you asap.

Nita

 

Thanks very much for your input (if there was an icon for a big sigh of relief, it would be entered here, without a doubt!!:-))

 

With regards to the exemption fee I've done my homework and taken the time to go through the courts service website (as per the FAQ's) and have bothered to phone my local county court to test the water. I'm pretty sure that as I receive Child Tax credit I will be entitled to this automatically but I wont know for sure until they process my application and claim form jointly.

 

:DThanks for the clarification, though, good to know that I'm getting the hang of this!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Been doing your homework :-)

 

CTC is a benefit I'm not sure is covered but as you say - will know when you submit the forms. Good luck :-)

 

Keep us all posted on your progress!

 

:grin:

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Sorry, call me stupid, but I got sooo excited with the fact that someone had finally responded to my query that I forgot to ask the following...

 

If I total up the charges and interest, that means total penalty charged + 8% on penalties, right? (righthand section on the complex schedule template)

 

And Section 69 is the Interest on penalties + 8% on interest on penalties (lefthand sectin on said schedule):confused:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Someone correct me if I'm wrong....

 

The 8% is seperate to all the rest. Total up your charges and the interest you were charged on them.

 

Put the 8% in seperatly later in the form. I used the simple spreadsheet, tbh it was a lot easier to understand. If you need a hand... I can look over the spreadsheet (or your charges). You're lucky I have naff all to do tonight :-P

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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hmcs EX160A booklet 'Court fees do you have to pay them?' states that

'You will be excempt from paying a fee if:

your gross annual income is less than the current cut-off and you and your partner receive WTC and CTC between you'.

My fingers and toes are crossed, cause it all helps!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Ah :-) I didn't read it. I just phoned them. Obviously you won't need to pay then. Let's hope things move quickly and your paid up before Xmas.

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Someone correct me if I'm wrong....

 

The 8% is seperate to all the rest. Total up your charges and the interest you were charged on them.

 

Put the 8% in seperatly later in the form. I used the simple spreadsheet, tbh it was a lot easier to understand. If you need a hand... I can look over the spreadsheet (or your charges). You're lucky I have naff all to do tonight :-P

 

Again whilst doing my homework (and spending at least another three hours reading material within the FAQ's in this forum!!!), I found this.....

 

icon1.gif Step 7.) Making Your Court Claim.

 

At this point you claim the 8% interest, so don’t forget to include this in the Value section

Don’t forget to include 2 copies of your schedule of charges with the 8% this time.

It's a tad confusing, isnt it?

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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That's what I was saying. In the particulars (and the brief details of claim) on the N1 Claim form. You put in the amount plus interest, and later add the 8% (in the value section).

 

It's very confusing, I had fingers toes and everything else crossed when I tookt eh forms to court. The nice lady there checked them over for me though, so knew before they were processed that evererything was in order.

 

Oh btw: make three copies of the forms. The court will want 2 and you need to keep 1 for yourself.

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Just had another look through the hmcs website and there is a section on how to work out the interest when making a claim.

Decided to enter the total amount of penalty charges and the interest on penalties seperately on the particulars of claim as follows:

 

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of the penalty charges to the sum of £xxxxx and any interest thereon as set out on the attached schedule of charges;

b) Court costs (if applicable);

 

The section 69 bit is the 8%, which as you quite rightly advised, comes later on in para 5c) on the particulars of the claim.

 

I think either way they'll get the jist!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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I've had another butchers at the hmcs website and there is a section which explains how to work out the interest when making a claim.

 

I've opted to do the following:

 

Particulars of Claim.......

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of penalty charges to the sum of £3,400.00 and any interest charged thereon as set out on the attached schedule of charges;

 

b) Court costs (if applicable);

 

c) Interest pursuant to section 69 County Courts Act as set out on the attached schedule of charges or at such rate and for such periods as the court deems just.

This is the nasty 8% part, if I'm not mistaken. So you were quite right in wot you said originally, cheers.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Sorry for the double thread, this blasted computer keeps crashing, I've been losing things all day.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Nope, scrub that. After receiving your last thread 22:06 I've done as you've advised (told you my computer was playing up).

I am now putting everything into an envelope and finally getting rid. Yip-pee!:grin::grin::grin:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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lol, you were having fun last night!

 

Good Luck Hun.

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Well.... got mail yesterday and had to sign for one from Cobbetts... I figured it was their defence from the Visa I'm claiming back from them as they haven't filed that yet... but, it was a lovely big cheque... they paid up. Of course it's a "goodwill gsture" but i don't care... it's the full amount I was claiming. So... finally won the gits! hehehe

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Cheers :-) All I have to do now is start the whole wretched thing again to claim back the £201 they've charged me since I put in the other claim. Although am starting that with no worries. :-)

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Brilliant....loads of us got cheques yesterday ! :grin:

M-Stanley, Marbles , Barclaycard,Cap 1, NW CC's x 3, NWest, MBNA , HSBC CC ALL WON

 

Outstanding

Halifax initial 11/10 acknowledged 19/10 LBA 25/10

LTSB initial 12/10 LBA 26/10

Barclays initial 3/10,response 9/10 LBA 17/10,MCOL 1/11, defence &AQ 10/12

Bof Ireland mort' S.A.R 16/10, initial 23/11, LBA 7/12,MCOL 23/12

NatWest home loans S.A.R sent 23/10,Initial 16/12, LBA 6/1

NatWest business a/c initial 9/11, LBA 25/11, MCOL 9/12, AQ 20/1,cheque recieved 17/2 but had to send it back !!

HSBC c/a AQ returned 17/2

HSBC bus' a/c MCOL 17/2

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It's been a good couple of days - and seems that way for most people. It's good people are getting things sorted before Christmas. What's going to be nice (once other has paid up) is not spending december worrying about January's bills!! I don't have much left over once I've paid my debts... just enough to cover christmas.. but at least I'll be debt free next year. A good start to 2007 :-)

 

Well done you two. :)

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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WELL DONE.......... CONGRATULATIONS!!!!!!!!!!!!!!!!!!!!!

Really pleased for you hun....hope Im not too far behind!!!! (although I have already won in theory)

 

Enjoy the spending and have a great Christmas!!!!!!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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Ok so, i won this one... but - the natwest visa one is still ongoing. i did recieve an offer for just over half last week, but have said no. Got a letter from court today saying:

 

The Claimant shall by 4:00pm on 13 December 2006 file and serve an amended claim form or particulars of claim to include all matters identified at paragraph 4 of the defendants defence dated 8th november 2006.

 

this is the defence para 4:

 

In relation to the allegation that the contractual provisions pursuant to which the charges have been applied are unenforceable by virtue of the unfair contract terms act 1977 and/or the unfair contract terms in consumer regulations 1999 and/or the common law, the claimant is required to identify:

4.1 (a) the section(s) of the unfair contract terms act 1977;

(b) the regulations of the unfair contract terms in consumer regulations 1999; and

© the principles of common law relied upon by the claimant in alleging that the contractual provision(s) reffered to are unenforceable; and

4.2 the contractual provision(s) that the claimant allege are invalid by reference to UCTA 1977 and/or Regulations.

 

 

Someone help! I have no idea how to reply!

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Anyone?????????????

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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  • 2 weeks later...

SOMEONE???????????? lol

NatWest Visa - recieved a letter from court wanting more info re what sections of several law things im using to claim back the money - got to reply by 13th! still no idea!!!!!

 

 

:lol: :lol: :lol:

Ace - £1300 - SETTLED IN FULL

Capital One - £200 - SETTLED IN FULL

JD Williams - £400 - SETTLED IN FULL

Littlwoods - £2700- SETTLED IN FULL

NATWEST - £2703.33 - SETTLED IN FULL

:lol: :lol: :lol:

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Onto this Nita just bear with us

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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