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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] 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. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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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Why is no one claiming the contractual rate of interest???


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BigAl - good resolutions !! Happy New Year to you, too, and to all here !! :)

 

Milly & Hope - thanx everso for the smackeroo's. I wish I was as popular at home as I am here !! :D

 

Glad to be of use. Good idea Hope - getting daughter to assist. I bet she's already held you to a commission !!

 

Not sure why you lost the spready, though. If you were working on a copy of it in your Docs folder, first, then that's where it should have been saved to. Or did it just close down without saving your figures in it ? You may have to tell it to "Save Changes" when you close it. Also, I'd suggest making a copy of the empty spready as a "spare" in case you do something wrong in your working copy, and need to refer to the original.

 

You might also find it by searching, as it may have just saved to somewhere odd.

 

If you're interested, Ive sent a couple of copies of my own spready to Olympic & Maxine by email. You're welcome, too.

 

Bill.

 

:-)

 

Yep. Clever girl wants £100 for her trouble !:eek:

 

If you would email me spready that would be fantastic. Do i need to pm you with my email add or is it in my profile ? (cant remember !)

 

Right, off to bed. Need an 'early' night as i was still looking through posts at 4 am this morning. O/H NOT happy !

 

Bet he's smiling when laying on the beach in maldives next christmas ( I can dream lol) with a large wad of cash waiting to be spent !!:grin: :lol:

 

Night all

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Yep. Clever girl wants £100 for her trouble !:eek:

 

If you would email me spready that would be fantastic. Do i need to pm you with my email add or is it in my profile ? (cant remember !)

 

Right, off to bed. Need an 'early' night as i was still looking through posts at 4 am this morning. O/H NOT happy !

 

Bet he's smiling when laying on the beach in maldives next christmas ( I can dream lol) with a large wad of cash waiting to be spent !!:grin: :lol:

 

Night all

 

Hope xx

£100 eh ? Good for her !! She'll work for it !! :D

 

I think I've got a file-sharing thingy sorted, now, to avoid e-mailing. Early days, yet, but give it a try. There are two spreadies there at the moment - one empty, and the other full (as an example). Let me know if you can download them OK. This is the empty one:-

 

Upload2.net Free File Hosting, Free Image Hosting

 

I'll have to get back to you here with the example one.

 

Catchulater,

 

Bill.

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Bill luuuuuuuuurve your new aviator:D

 

Milly X

 

Happy New Year XXXX

Thanks, Milly - I thought I better dress the big guy up a bit for Hogmanay !! He didn't seem to mind posing with the bagpipes too much.

 

And a happy New Year to you too, thank you !!

 

Och aye, the noo ! :D

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Referring to post #17 and the £9.25 per hour which may be charged for your time, can this be applied by letter, telephone call or time spent researching your case?

 

Solicitors costs are based by the hour or a tenth of (in six minute intervals - units). A letter IN is classed as one unit, a letter OUT as two units. Telephone calls IN/OUT are based on the amount of time spent on the phone, as are attendance with the Client.

 

These are charged at uncapped rates, I have so far incurred rated of £180.00 per hour for a solicitor to tell me I was barking up the wrong tree.

 

What charges are we entitled to claim, and on what grounds? Bearing in mind whilst we are spending time managing our own cases, we are saving the banks money in legal costs.

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TideTurner

Here you go

There have been some interesting alterations to the recovery of costs on behalf of litigants in person by the CPR. Generally, there is little difference in principle to the recovery of costs, but there have been particular additions to the legislative scheme which require some commentary.

The recovery of litigant in person cost is now determined by CPR 48.6 and the Practice Direction to that part. Whether the litigant is seeking costs under an order for summary assessment or detailed assessment, Rule 48.6 will apply. As under the former regime, the costs which can be allowed by the court to the litigant in person cannot exceed two thirds of the amount which would have been allowed if the litigant in person had been represented by a legal representative. That two thirds limit does not apply to disbursements. The court in Morris v. Wiltshire & Woodspring District Council, January 16, 1998, unrep, helpfully summarised the approach to be adopted on the assessment of litigant in person costs. First, the court considers what, at the litigant in person charging rate, the total for the particular item of work is. One then compares that with two thirds of the notional solicitor rate. The lower of the two figures, is the figure to be allowed.

The costs which may be allowed to the litigant in person shall be -

(a) such costs which would have been allowed if the work had been done or the disbursements made by a legal representative on the litigant in person's behalf;

(b) the payments reasonably made by him for legal services relating to the conduct of the proceedings; and

© the costs of obtaining expert assistance in connection with assessing the claim for costs.

If the litigant in person does not prove any financial loss caused by the time taken in undertaking the work concerned, then he will only be allowed an amount in respect of the time reasonably spent doing the work at £9.25. That is the figure which is specified by the Practice Direction (PD 48.6 para 1.9). The onus for proving the financial loss is on the litigant in person. Where a litigant in person wishes to prove that he has suffered financial loss he should produce to the court any written evidence he relies on to support that claim, and serve a copy of that evidence on any party against whom he seeks costs at least 24 hours before the hearing at which the question may be decided. Where the litigant in person commences detailed assessment proceedings under rule 47.6 he should serve copies of that written evidence with the notice of commencement. (see generally the Practice Direction to Part 48.6). The evidence (affidavit/witness statement) should set out in some detail why it is said that there has been a financial loss directly caused by the time taken undertaking the work, and what that loss is.

A litigant who is allowed costs for attending at court to conduct his case is not entitled to a witness allowance in respect of such attendance in addition to those costs.

A solicitor who is party to proceedings will not be a litigant in person if he is represented in the proceedings by his firm or by himself in his firm's name. ( Rule 48.6(6)(b))

On interesting addition brought about the new rules is that, for the first time, a litigant in person includes a company or other corporation which is acting without a legal representative. However, a company acting through an in-house legal representative who is in possession of a practising certificate or equivalent authorisation will not be treated as a litigant in person but the legal representative will be able to recover costs in the normal way on behalf of the company.

Interestingly, and of some significance to the costs draftsman, a litigant in person may also recover the reasonable costs of obtaining expert assistance in connection with assessing the claim for costs. In order to qualify as an expert the person in question must be a

(1) barrister,

(2) solicitor,

(3) Fellow of the Institute of Legal Executives,

(4) Fellow of the Association of Law Costs Draftsmen,

(5) law costs draftsman who is a member of the Academy of Experts,

(6) law costs draftsman who is a member of the Expert Witness Institute.

In other words whether you can charge 2/3rd's of the professional fee or £9.25 will depend on whether or not you lost any earned income as a result of pursuing your claim........To be awarded 2/3rd's you will have to prove your loss

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Many thanks JonCris, I have 5 Lever Arch files of correspondence, some of the letters took several days to construct. I can prove my hours, and have kept detailed notes of all actions, charges incurred and telephone calls made and received. I will focus on the 'loss' and claim the 2/3 hourly rate (if you'd seen my letters, you'd understand why).

 

Once again, excellent advice from someone who's been in the same boat as myself.

 

All the very best to you, yours and all on this site for 2007.

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Dont forget to have a costs bill ready when you either go to court, the defendants fail to attend & you seek summary judgment.

 

When you ask for costs the court will be a lot happier granting them in full if you have prepared a bill of costs

 

Salutations to you too

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Interesting stuff about costs, guys - cheers. Regarding the CPR extract, JonCris - looking at the first para., it seems to be saying that a personal litigant can recoup costs at the personal lit. rate, but it does not specify what that rate actually is.

 

Then, in sub-para ©, it states that - if no financial loss is being claimed for, then the P.L. can only claim at £9.25 per hr.

 

This seems to imply that the £9.25 ph rate is not the Personal Litigant rate mentioned above, but is a lower alternative.

 

Is there, then, an accepted rate that determines what the P.L. rate is to be ? e.g., if Tide's £180 ph quote were acceptable, then the P.L. rate would be £120 ph ?

 

Sorry if I'm seeming thick, but any explanation might help others suffering from cranial density on New Year's Day !!

 

A very Happy one to you all, incidentally !!!

 

Further to costs - I agree fish are cheaper, Tide, but a gorilla comes in useful when Moorcroft send round a "representative." That's when he earns his bananas !!

 

I can't believe we're vying for the favours of an avatar :D - but I have to agree, it gets a skirl from my pipes, too !! ;)

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I suggested at one point, on a thread I started that perhaps one could claim the 5% donation to CAG as a cost pertaining to Legal cousel?

Perhaps this whole discussion about legal fees and costs reclaimable would benefit from it's own thread?

http://www.consumeractiongroup.co.uk/forum/general/51107-cag-5-claim-counsel.html

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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Hope - this is the example spready:-

 

Upload2.net Free File Hosting, Free Image Hosting

 

BTW - give it a minute to download - it takes a little while.

 

Hi Bill:)

 

 

 

Thanks for the spready .Brilliant !. Just inputting first row of figures now.

 

I take it I just change the interest rate to what is applicable to me ?

 

Actually, if anyone knows off the top of their heads Natwests unarranged borrowing that would be great. Think its 24.5 % PA. ? Think they charge 16.9 %PA ? for arranged borrowing.

 

I have been talking it over with O/H and he thinks I should claim the 16.9 % back instead of asking for the 24.5%

 

Any thoughts ?

O/H theory is they are likley to settle more quickly if they deem me to be playing fair ?

 

I think I should hit them with the lot !

 

If anyone can share their views /answers to my interest question that would be great.

 

 

HAPPY NEW YEAR :D

 

2007 is going to be OUR year !!

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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As I said Bill, costs are structured and may be refuted by the other side, in which case the other side may request an analysis by their own Cost Draughtsman.

 

Bear in mind, Costs Draughtsmant cost money. This is in cases where costs are disputed.

 

Does anybody know what their rate is (is this a percentage of the claim? Are they on an hourly rate for perusal?)

 

You should keep copies of all correspondence, telephone calls and time spent on your case, together with receipts (dispursements, Court Costs etc.) and any Solicitors / Professional fees - right down to your bus fare or parking charges.

 

If you take time off work to attend Court, how much will it cost you?

 

BTW - if you claim for a letter OUT (2 units - 12 mins) you cannot also claim for postage. I believe a letter IN is 1 unit (6 mins)

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Hi Bill:)

Thanks for the spready .Brilliant !. Just inputting first row of figures now.

I take it I just change the interest rate to what is applicable to me ?

Glad it downloaded OK - that's a new thing for me, although I think Mindzai has been doing it with his one for a while. Yes, just punch in the interest rate(s) at the top.

Actually, if anyone knows off the top of their heads Natwests unarranged borrowing that would be great. Think its 24.5 % PA. ? Think they charge 16.9 %PA ? for arranged borrowing.

You should be able to check online for their rates.

I have been talking it over with O/H and he thinks I should claim the 16.9 % back instead of asking for the 24.5%

Any thoughts ?

I always suggest you go for the max, as you can always settle for less. But if you do desperately need it quickly, then it might (just might !!) speed things up asking for the lower rate. From what I've seen though, no matter what you claim, they will try and take as long as possible, and offer you less, anyway. If you claim the max. rate primarily, and claim the lower & statutory rates in the alternative, then you give yourself the best chance IMO. Also, if you claim max. in your prelim, then you can offer to accept less any time after that - but you can't do it the other way round !!!

O/H theory is they are likley to settle more quickly if they deem me to be playing fair ?

Unauthorised rate is playing fair. THEY charge it for unauth. borrowing, and YOU'RE now doing the same. Their rules - not ours !!

I think I should hit them with the lot !

I agree 100 % !!!

If anyone can share their views /answers to my interest question that would be great.

HAPPY NEW YEAR :D

Thanks - and to you and yours, Hope.

2007 is going to be OUR year !!

I agree 100 % !!! - again !!

 

As I said Bill, costs are structured and may be refuted by the other side, in which case the other side may request an analysis by their own Cost Draughtsman.

 

Bear in mind, Costs Draughtsmant cost money. This is in cases where costs are disputed.

 

Does anybody know what their rate is (is this a percentage of the claim? Are they on an hourly rate for perusal?)

 

You should keep copies of all correspondence, telephone calls and time spent on your case, together with receipts (dispursements, Court Costs etc.) and any Solicitors / Professional fees - right down to your bus fare or parking charges.

 

If you take time off work to attend Court, how much will it cost you?

 

BTW - if you claim for a letter OUT (2 units - 12 mins) you cannot also claim for postage. I believe a letter IN is 1 unit (6 mins)

Thanks, Tide - I was more concerned with pre-court costs, but time off for attendance & travel costs, etc. is also something to bear in mind. Presumably, one just submits these costs after judgment, then ?

Bong & others are of the opinion that costs cannot be claimed in the SCC, but I thought it was just that representation costs are denied. Is there a CPR page detailing this ?

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Hi All,

 

Just getting my head around claiming contractual interest on my claim.

 

Before I work the figures out, just a quick question.

 

I went overdrawn by £42. Since then I have paid in over £400. Due to £555 of bank charges and £100 in interest its left my account overdrawn.

 

How will this affect me claiming contractual interest? If I win normally, then the bank will take the £312 from the money I have won. How would I work out on contractual interest on some charges they have charged me but I havent yet paid?

 

I hope that makes sense!

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You calculate the interest on charges and interest on those charges you have paid or they have debited to your account as in the negative balance.

 

The application of interest to those charges isnt affected by the type of interest you want to claim.

 

JMHO

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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You calculate the interest on charges and interest on those charges you have paid or they have debited to your account as in the negative balance.

 

The application of interest to those charges isnt affected by the type of interest you want to claim.

 

JMHO

 

GLenn

 

Thansk for your reply Glenn :)

 

If I give some figures can you check im on the right track please!

 

Money Withdrawn since 2001 - £170.

This left me overdrawn by £42.79

 

Money Paid in since being overdrawn - £494.69

 

Total Charges £555

Total Interest Charged £95.01

 

Currently left overdrawn due to charges and interest - £312.92

 

If I was claiming back normally, I would ask for £650.01 (charges and interest) and then Nationwide would take their £312.92 out of that once its all gone through.

 

I want to claim contractual interest, but what part do I claim it on as im overdrawn by £312.02 (made up of charges and interest). Am I right in thinking I cant claim contractual interest on this as it isnt my money?

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Thats a good point, i have never even thought about it since my accounts are all closed so it doesnt apply.

 

I would see what others in this position have done, it seems to me that you cant charge interest on money you havent had taken from you but you are obvioulsely entitled to claim the charges back since that would reduce/remove your debt to them.

 

Somehting else comes to mind though, are you certain that the overdraft is en triely made up of charges?

 

If not then how would you work out which bits to charge interest on?

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Thats a good point, i have never even thought about it since my accounts are all closed so it doesnt apply.

 

I would see what others in this position have done, it seems to me that you cant charge interest on money you havent had taken from you but you are obvioulsely entitled to claim the charges back since that would reduce/remove your debt to them.

 

Somehting else comes to mind though, are you certain that the overdraft is en triely made up of charges?

 

If not then how would you work out which bits to charge interest on?

 

GLenn

 

I went through my statements and since the account was opened in 2001, All I have withdrawn is £170. This was back in January 2002.

 

This left me overdrawn by £42 and since then the charges and interest snowballed.

I added up that since I went overdrawn, Ive paid in a total of £494.69, yet they still want another £312 to clear the debt!

 

The £95 interest I quoted was what they charged me on the statements - eg:

 

Mar 2001 - Unauthorised Overdraft Fee - £10

Interest Charged - £2.62

 

I have put all the figures into a spreadsheet and it works out that claiming contractual interest at 24.9% (Nationwides charge for unauthorised overdraft) brings the figues to £1,114. The figures without contractual interest is £650.01. (£555 charges+£95.01 interest).

 

Anyone able to advise on how I would go about claiming contractual interest in this situation please.

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