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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
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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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Glenn Vs Abbey


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Right all been an interesting day, went for allocation hearing today.

 

1st a summary of where we are because it will help you understand why i made the decisions i did, in this case there was some errors.

 

Abbey haven't contacted me, apart to threaten me since i started the claim really, until i got their recent letter about amending their defence and saying they weren't going to rely on the limitations act.

 

My feeling was that the allocation hearing would be where they would ask the court to strike out all charges pre six years and so i spent most of my time thinking about possible issues and reading up to make my case for keeping the charges.

 

Guess what i was wrong, they made me an offer 30 minutes before going into court, and i never saw it coming, not that i could have stopped them but it meant basically i swatted up on the wrong thing.

 

So when it came to it the hearing became over interest and default removal.

 

The downfall in my preparation was that i didn't have any case law prepared for unjust enrichment and so couldn't effectively argue my case in legal terms.

 

However, on the positive side the judge felt my arguments about the banks use of my money unlawfully removed were common sense and logical. He never had any precedent to go on and so wasn't go to award it.

 

On the plus side he did point out that Sec69 was discretionary and he may not award any in some cases, he didn't go down that route in my case.

 

The barrister for Abbey decided to correct the judge, the judge wasn't best pleased which was mildly amusing.

 

The Barrister for Abbey had instructions to pay the charges plus 8% APR. Oh many of these charges dated from 1997 We discussed the interest and basically the judge told us to retire to agree the settlement and then return.

 

The barrister didn't know what to do, he told the judge it was difficult because there were so many charges (250 on my schedule i think), the judge offered to lend him a calculator :D

 

Anyway I made sure that interest id paid was included plus the costs of course, then i mentioned default removal. He took further instruction from Abbey who refused to remove the default.

 

SO back we go to the usher to go into see the Judge. The barrister explained we had agreed most things but there was one thing left which he was instructed to take directions from the court.

 

When the usher came out of the judges chambers the message was don't come back till it is resolved. We explained it was the default and since he hadn't heard anything about this he let us back in :o

 

So the Barrister says we had settled but it was a all my fault because i wanted the default removed and it was too difficult for Abbey to remove it.

 

The judge told him in his experience, there was no problem with default removal. I added my two penneth worth and referred to a previous claim where i had adverses entries removed (or at least they agreed to it have to check). I explained that as the organisation employing the CRAs Abbey were responsible for what was pout onto and taken off of my records and if they instructed the Credit reference agencies to remove it then it would be done.

 

The judge agreed and said to the Barrister if you don't agree to remove the default i will list the claim for the fast track and order standard disclosure go take some further instructions. He did, and Abbey refused.

 

So now the balance of the claim, default removal is to be listed in the fast track with standard disclosure.

 

The judge suggested that in this case the judge was likely to simply order abbey to remove it (my charge value exceed the default entered on my file, plus i short settled and so the value shown is incorrect as it was the full balance outstanding. Oh i should add the default is shown as settled and the judge knew this because i made it clear as did the other side. So all in all the default value is wrong, its less than the value of the charges that is due and so stands a very good chance of being removed, especially when you put standard disclosure into the frame.

 

The barrister for the other side wanted to know if it only applied to this portion of the claim or all of it. The judge was suitably ambiguous so when i get the order ill post and let you know where we are going.

 

SO some positives and some negatives, i have often told people to be prepared to a argue every aspect of their claim. Sadly in my case i failed to take my own advice, or at least could have been better prepared. I wont make that mistake with the next claims and will be including contractual interest.

 

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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Glenn - sounds like an eventful day! Shame about not being fully prepared but it sounds as if you recovered well - also seems like the judge was ok & 'on your side' so that was a plus.

 

Good luck with the next installment - Does this mean you have some of your settlement on it's way now then or do you have to wait again?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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well done in the circumstances Glenn, wonder why they had to wait until this late to make an offer?! Usual scare tactics I suppose.

 

did they say why they weren't going to rely on the limitation act, or do you have any feeling why they did this?

 

did you get the 8% statutory interest as the barrister had those instructions?

 

do you know why the judge would need to have a precedent case to award contractual interest? what if there had never been such a case before - I would have thought he could have made a judgement based on the case presented?

 

Anyway, a great result for getting charges back to 1997!!! well done!

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well done in the circumstances Glenn, wonder why they had to wait until this late to make an offer?! Usual scare tactics I suppose.

 

Im not sure on this, the case didnt follow the 'normal' pattern. I always said that having compund interest, default removal and old charges would make an interesting combination. I thought they were going to try to break te claim into lumps and argue over the old charges. Maybe i revealed my hand too much and gave them sufficent doubt as to whether i could argue effectively. As much as I didnt get everything i wanted today, i was reasonably happy with my first appearacne in front of a judge to argue somehtig significant.

 

did they say why they weren't going to rely on the limitation act, or do you have any feeling why they did this? I think they are worried about losing, Im no barrister but my feeling is that i can argue strongly for concelament and mistakes so i reckon they have come to the same conclusion.

 

did you get the 8% statutory interest as the barrister had those instructions?

 

I didnt get stat i got 8% compounded so not a complete disaster bumped my claim up by 50% or so. And that was their offer which i rejected outside the court.

 

do you know why the judge would need to have a precedent case to award contractual interest? what if there had never been such a case before - I would have thought he could have made a judgement based on the case presented? I can only speculate, but from my experience people are often reluctant to be the first is all im really prepared to say

Anyway, a great result for getting charges back to 1997!!! well done!

 

The bit im looking forward to is getting the default removed:D

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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Glenn - sounds like an eventful day! Shame about not being fully prepared but it sounds as if you recovered well - also seems like the judge was ok & 'on your side' so that was a plus. Funny thing is i woundt say the judge was on my side, he was quite peeved when i was the only one of the bank claims not to have been settled when he thought i had refused the offer for no good reason. I owuld say he was fair and no more, my feeling is he doesnt suffer fools gladly and Abbey were the bigger of the two fools before him today.:D

 

Good luck with the next installment - Does this mean you have some of your settlement on it's way now then or do you have to wait again?

 

The cheque will be on its way within 14 days if not ill ask the court for some assistance.

 

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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Sadly in my case i failed to take my own advice, or at least could have been better prepared.

Glenn

Don't be too hard on yourself, Glenn!!!!!!!!

 

I'm only glad that did'nt happen to me, knowing my luck I would'nt of been wearing my brown trousers that day to camouflage the accident!!!!:D

 

It sounds like you held your own in the court very well indeed, and I admire the work and effort you have put into your case, and all the research you have done as well!!!!!!! This must have all come across to the Judge and (as a shock!!!!) to the Barrister.

 

Anyway, keep us informed with regards to getting your default cleared, and Congrats to you on your new arrival!!!!!!!

Phil:)

This is only my personal, honest opinion!

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Dear All thanks for your kind comments and wishes regards our new son.

 

In truth I am not desperately unhappy, I'm not a barrister and so I don't expect to perform like one. If we had been in my 'environment' I would have been pretty peed off not to win, but thats because i have been doing it for 26 years in one form or another and usually do win.

 

I would expect the barrister to struggle with the issues i have to deal with for the same reasons i struggled with his, ie a lack of experience and knowledge, these can be remedied to an extent however and I will try not to make the same mistakes again.

 

It was a learning experience and thats what I, and I hope others, will take from it. That was the motive for posting, it would have been easy to keep quiet about it bearing in mind my vociferous comments on contractual interest and our right to reclaim it.

 

My views haven't changed I just need to find some case law to support the arguments for next time.

 

Thanks all

 

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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Well done Glenn, any idea why they didn't use the Limitation Act.

 

They had obviously read my posts!!!! :D

 

Seriously though i think its very risky for them to get any kind of judgement as to the unlawfulness of their charges.

 

This includes the actual charges and of course the possibility of their concealment and our mistakes in paying them.

 

IMHO i think we have a good case for both concealment and the mistake argument with supporting case law or at least supporting comments from various judges in various limitations act cases.

 

All in all i think they are worried that despite facing rank amateurs their position is so shaky they dare not defend it for fear of the court having the common sense to believe the consumer, the OFT, FSA, et al.

 

Incidentally i feel that I had good arguments against the Doctrine of Laches with supporitng legal comment for a variety of sources so I dont think they would be any happier using that either.

 

We shall see with the next claims against abbey and other banks.

 

Glenn

 

 

 

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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Well done Glenn, I think you held your own and showed abbey up for what they are. I am due for allocation hearing on 14th Feb so found this very informative. I know you wanted to get them in court, but at the end of the day we are just amatures at this and perhaps should just put pressure on the people who should be chacing the banks, like the OFT. Well done :D

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Bish if its abbey and you get Mr Edwards hes a nice bloke, but will fight his corner.

 

If there is anything you need by way of support/info feel free to drop me a line.

 

Glenn

 

PS have you got charges older than six years?

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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Hi Glenn

 

Thanks mate, I'm at Kings lynn court and will fight my corner as well, I do have charges that go back further than 6 years, but only because of the issue of the claim was on the 30/08/06, but my initial request for repayment was on 15/06/06. The actual difference in amounts is about £60 which I allowed for when trying to negotiate a settlement with abbey after my first allocation hearing, letter will be presented at court along with the dubious reply. What I will be pressing at the allocation hearing is their non compliance with anything either I requested or the court. I have no problem with defaults as you did and am quite happy to cover interest and all the charges. I was suprised at the depths reached in your hearing as it was just an allocation hearing. Seems to be a new tactic by abbey.

 

Regards bish

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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FWIW

 

If they try to negotiate whilst your waiting before they start make sure you inform them its without prejudice save for costs.

 

I didn't and should have done it may have changed the issues for me, but hey ho you live and learn.

 

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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Hi Glenn,

 

I have my allocation hearing on wednesday, what do you feel I need to have to hand on the day, and be primed with regarding regulations etc. Pretty clued up on the basics, but any help and advice appreciated.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Hi Glenn,

 

I have my allocation hearing on Wednesday, what do you feel I need to have to hand on the day, and be primed with regarding regulations etc. Pretty clued up on the basics, but any help and advice appreciated.

 

Regards Bish.

 

1st thing is if they try to make an offer before the hearing make sure you say any discussions are 'Without prejudice'. If you don't the first thing they will say to the court is we have made an offer and the claimant has refused to settle.

 

2nd if you haven't had an offer/don't get one then anything which is controversial about your claim you should bone up on.

 

you should make notes of the points you want to put across, for example when it comes to witnesses, no doubt abbey have suggested they want to appoint one.

 

If they have I would object to any so called expert witnesses. The matter of their charges is a factual matter and not one for expert testimony. I would also raise the fact that if they have proposed expert witnesses that they have done in numerous cases but have never nominated a person by name.

 

I'm not sure I'm the best person to give advice other than to say don't miss the opportunity to say anything you feel pertinent. Even if it looks like things are coming to a close or moving off the subject, ask politely if you can say something and make your point. I did a couple of times and never felt the judge was put out by this even though i felt we were going away from something i felt was important.

 

Don't be nervous, easy to say but if you know your stuff then you will be OK.

 

Remember prior planing prevents **** poor performance!

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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Hi Glenn,

 

Thanks for your input, Don't forget that you have been their and whatever you say is relevent to what we all face. I am truly greatful for your insight, and will hopefuly be prepared for the forthcoming hearing. I will keep you posted to the outcome. It is about being prepared and defeating them as a whole that counts. The more cases that get through, the more we can revert back to getting these B******ds hung.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Hi,

Ive just started to look on this site and ive had a wee look around.

i have just asked Abbey for my charges to be refunded adding all my statements and given them the 14 days notice or else letter. they have given me a complaints form and told me they could take up to 8 weeks to sort out my complaint!!! :o

what do i do now? do i resend everything or shall i ignore them as was said by another user? or will i contact them again saying the time is running out from the first time i contacted them (6 days ago) or arrrrgh...... what do i do???

please help

:confused:

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Hi,

Ive just started to look on this site and ive had a wee look around.

i have just asked Abbey for my charges to be refunded adding all my statements and given them the 14 days notice or else letter. they have given me a complaints form and told me they could take up to 8 weeks to sort out my complaint!!! :o

what do i do now? do i resend everything or shall i ignore them as was said by another user? or will i contact them again saying the time is running out from the first time i contacted them (6 days ago) or arrrrgh...... what do i do???

please help

:confused:

 

Hiya Loafaprize and welcome!!

 

Your first step if you haven't already done this is to read through the FAQ's and read through the processes of what you are doing so that you understand each stage etc..

 

Sounds like you already did the first stage "preliminary approach" for the refund or your charges giving them 14 days to explain the charges and return your money?

 

Stick to your own timetable not theirs - after your 14 days is up you need to send the LBA (Letter Before Action) this gives a further 14 days to bank to repay your money etc.. before you file with court for your claim etc.. - you'll find the replies are often stall tactics designed to put you off your own timetables!! Read lots of the Abbey threads - most of the letters are standard replies - just keep on with your timetable!! :)

 

There is a template library with all the relevant letters you need - they just need editing to your own needs.

 

It's a good idea that you begin a thread of your own in the Abbey forum - this way people can come and help you with your questions and advise you when you need help.

 

Keep reading and asking questions when you need to - you'll find lots of help and support here when you need it!!

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thank you,

i have started my own thread but no one seemed to be posting. i have been looking through loads of other threads and found out more, lots more. it really is a good idea to read, then read some more.

ive even started to post help to others at the starting stage!

thanks again,

lofaprize

x

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lofaprize

 

If you need help on your own thread then the best way to get it is to make a post with a link to your thread in it and ask for some assistance, it also helps if you give an indication of the problem you want answered too.

 

HTH

 

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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