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    • Indeed.  Should I send them exactly what I sent in my snotty letter?   Or should I ignore/send a "This mailbox is not monitored" reply?  Not sure if a Letter Of Claim counts when it isn't a letter?
    • Many thanks for that, knowing Mark, as I do I think he will take this advise.It does sound to me that there is very little they can do to him. I was amazed even got such a huge credit line when he could never afford to pay it back once he hit the £75k. I have asked him for the lenders etc and will post the details once i get them.   Again thank you all,   cheers,   Paul
    • Nothing missing and not being subtle.   Government appear to have briefed media that they will table legislation to hand back power to the PM to call General elections at a time of their choosing. This was reported by several TV channel political correspondents.   Boris likes to play politics as a game and he will see that as time moves on, he will become less and less popular, as will the Government. Recent polling is showing decline in approval ratings.   Hence why Summer 2022 may be seen as a good time to hold an election. Before the National Insurance and other tax increases start to hurt peoples standards of living. Leave holding an election until 2023 or 2024 is very risky as by then Government could be very unpopular.    UK will need to at some point make a large number of work visas available to migrants, in particular to pick agricultural crops.  Farmers have lost a lot of money in 2021, as their crops have not been picked and supplied to shops.  lack of migrant labour to pick crops and lack of drivers to pick up/deliver to wholesalers/shops.  Government cannot allow a repeat in 2022, so will issue visas to migrant workers and this will be unpopular to some who voted Brexit.    
    • I've just had a "Letter of Claim" via email: Dear XXX, Letter of Claim Our Client: Total Parking Solutions Limited Our Reference: XXX PCN Reference: XXX Vehicle Registration: Contravention Description: The Vehicle Exceeded The Maximum Stay Time Contravention Location: Brighton Road Retail Park Redhill Date of Contravention: 18 January 2017 Balance Due: £124.00 We have been instructed by Total Parking Solutions Limited to commence legal action against you in respect of the above unpaid parking charge, by issuing a Claim against you in the County Court without further notice, if no payment or response is received before 20 October 2021. If you dispute this debt, please tell us why so that we can help resolve this matter. Estimated Claim Such legal action may result in you being liable for Court fees, solicitors’ costs and statutory interest which are estimated below.   Principal Debt + Debt Recovery Costs £124.00 Estimated Interest £46.34 Estimate Court Fees £35.00 Estimated Solicitors' Costs £50.00 Estimated Total £255.34 What we have sent you What you will receive in the post are the following: Information Sheet: a sheet explaining what to do next, including how to avoid Court actions. Reply Form: a form to complete and return containing four sections. Income and Expenditure Form: a form to complete and return to outline your finacial circumstances. What you need to do now Payment of £124.00 or your reasons for non-payment are required by 20 October 2021 to avoid the above legal action. If you are unable to pay the balance in full, our client is willing to enter into a payment arrangement which is affordable for you taking into account your financial circumstances. We wish to remind you that in a final effort to avoid the need for litigation, our client is willing to offer you the option of paying the balance via an affordable repayment plan. We have pre-approved a monthly instalment amount of £15.00 which has been recommended considering your estimated disposable income. If you wish to take advantage of this offer, or if you cannot afford this amount, please contact us using the details in the "How to get in touch" section below. Please note that this offer expires on 20 October 2021, after which time your case will be considered for litigation for the full current balance. How to get in touch Online Manage your account at www.bwlegal.co.uk. You can upload your completed reply form and provide your income and expenditure details online. You can also make a payment, set up an affordable payment arrangement and speak to us by webchat. Speak to us or email us Call us today on 0113 487 0430 or email us at [email protected] to discuss this matter with one of our helpful team. By post Complete and return the Reply Form to us at the address at the foot of the letter you will shortly receive from us by 20 October 2021. Pre-action Protocol for Debt Claims This email is being sent to you in accordance with the Civil Procedure Rules Pre-Action Protocol for Debt Claims, a link to which is contained on the foot of the information sheet will you will receive shortly in the post. In particular, we refer you to paragraph 7, which sets out the expectations of the Court in terms of complying with the Protocol. Particulars of debt On 18 January 2017, you were granted a limited contractual licence to enter the land known as Brighton Road Retail Park Redhill ("Site"), which is managed and operated by our client. In return, you were to abide by certain terms and conditions ("Terms and Conditions") which were prominently displayed on the signage erected in situ by our client. On 18 January 2017, you breached the Terms and Conditions - reason: The Vehicle Exceeded The Maximum Stay Time ("Breach"). The Breach resulted in our client issuing a Parking Charge Notice (`PCN`) on 06/02/2017 which, despite our client's attempts to engage with you and agree a suitable payment arrangement, remains unpaid. Statement of account The following summary statement shows the transactions applied to your account since the PCN was issued by our client:   Statement for the period: 18 January 2017 to 20 September 2021   Principal Debt £70.00 Total Payments £0.00 Total Adjustments £0.00 Total Interests £0.00 Total Debt Recovery Costs £54.00 Current Balance £124.00 Our client’s entitlement to the total debt recovery costs referred to in the table above is expressed in the Terms and Conditions, which you accepted upon entering the Site. Such costs are recoverable in any event under the relevant Parking Code(s) of Practice. Warning of court proceedings If payment or a response is not received from you by 20 October 2021 we are instructed to issue a County Court claim without further reference to you, together with applying the interest, fees and costs highlighted above. If payment or a response is not received following a County Court claim, a County Court Judgment ("CCJ") may be entered against you. If a CCJ were to be entered, it would be recorded on your credit file for 6 years unless you pay the Judgment debt in full within a month of the CCJ being entered. A CCJ on your credit file may affect your ability to obtain future credit. If a CCJ were to be entered and you were to fail to comply with the CCJ order, we may apply to the County Court to take further enforcement action which you would be notified of separately. We look forward to hearing from you Our helpful team would like to work with you to reach a solution without the need for Court proceedings to be issued and it is therefore important that you get in touch before 20 October 2021. Yours sincerely, BW Legal bw legal N.B. To opt out of email communication from BW Legal please reply to this email quoting reference "XXX" BW Legal Registered Office: Enterprise House, Apex View, Leeds, West Yorkshire, LS11 9BH T: 0113 487 0430 F: 0333 370 0107 DX 716921 Leeds 39 BW Legal is a trading style of BW Legal Services Limited which is a company registered in England and Wales under Company Registration No: 07966978 Authorised and Regulated by the Solicitors Regulatory Authority under No: 569773 Authorised and Regulated by the Financial Conduct Authority in respect of consumer debt collection under Reg No: 619068 VAT Registration No: 971 8540 92  
  • Our picks

TheCobbettSlayer v NatWest ***WON***


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How much did you get then.

 

Nothing yet Mark - it's next Wednesday but if it goes well, the total amount including interest accrued since the original judgement is just over £23k

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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You're in the wrong bar Stan - I'm in the one in the Bahamas;)

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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So that's you going down the queue going "Are you rich - do I know you"

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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mt

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Paul would it be ok if we came up to the court to watch. were only in notts. if you want support. i wont be offended if you say no.

 

 

Buck, I think that the farthest this will go is possibly to the court steps, but my opinion is that Paul can expect a letter or a phone call VERY soon :cool:

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Brilliant point re court visits......if anyone is going, and willing to have other claimants who are at or near that stage come along for experience, the better it will be for all future claimants who are taken that far.

 

Obviously it's a personal choice, but if it's possible, then go for it.

WON £4000 v NAT WEST

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Paul would it be ok if we came up to the court to watch. were only in notts. if you want support. i wont be offended if you say no.

 

Buck, you are more than welcome. Like I said, all support gratefully received.

 

You won't actually be able to see the hearing (is it possible to SEE a HEARING anyway???) as it will almost certainly be in chambers but you would be the first to know the outcome. I also have doubts whether you will get to see anyone from Cobbetts either as their reluctance to respond to any correspondence makes my doubt whether they will even bother to attend.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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:D

Good luck Paul. Hope all goes well.:)

 

If it all works out I'll send you the money for the window I broke

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Aye, good luck young Paul ;)

We'll be right here thinking of ya (& waiting for you to tell us what happened!)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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:D

 

If it all works out I'll send you the money for the window I broke

 

Actually, it was Blueskies who broke the window. I was just an accessory

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Actually, it was Blueskies who broke the window. I was just an accessory

I was going to wait until you got the money and sue you, then see if you noticed the flaw in my cunning plan. I have never seen so many Cornish Pasty crumbs on my carpet though.

 

Anyway - you're hijacking your own thread!;)

[

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Good morning people

 

I have before me a cheque in the sum of

£10878.97

Natwest have settled in full the charges part of the claim, all that remains now is discussion about how we deal with the loan.

 

I'm halfway there guys - halfway there:D

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Now thats good news :D :D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Thats just £8795 in charges plus S.69 interest.

 

The letter from Cobbetts states that this is in full and final settlement of the first part of my claim which I'm happy with as it means they are accepting that the issue of the loan repayments is still live.

 

When I've finished this very large glass of alcohol I'll need to consider my response as they have asked me to vacate the hearing set for Wednesday. I'm not sure what to do about this yet so I'll get back to you a bit later on that one when I have sussed out the implications.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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