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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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paul v midshires **SETTLED** ERC


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Hi there

 

I am also chasing Midshires, and they moved quite quickly with the statements. I just sent my Prelim yesterday.

 

All the best.

BIRMINGHAM MIDSHIRES

1/09/06 SETTLED IN FULL

HALIFAX

7/09/06 SETTLED IN FULL

CAPITAL ONE

5/10/06 SETTLED IN FULL

NatWest

7/09/06 SETTLED IN FULL

ULSTER BANK

8/8/06 S.A.R - (Subject Access Request) sent

28/09/06 Prelim sent

18/09/07 Claim filed at court

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  • 3 weeks later...

Just received copy statements from Midshires, the SAR is incomplete my letter from the templates is in the post tonight.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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  • 2 weeks later...

Received a phone call today from midshires regarding the early redemption charge, they wanted to know how we could resolve the matter, i put it to them that if they were to fully disclose their actual losses due to my early repayment, and it was equal to the charge i incurred, then i would not pursue the claim, my request will be honoured in the next two working days.

Can't wait to see the breakdown.]

The S.A.R - (Subject Access Request) was sent to the wrong department, i was told this as been sorted now.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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As i thought no breakdown, all the letter contains is a summary of why the charge was taken, it says. If you repay the loan in full or in part before the end of the contractual term of the fixed rate, we, in turn, have to break our fixed rate funding contract by repaying early.

 

The ERC of £ ----- that you paid when you redeemed your account therefore covers the costs associated in offering the product at the fixed rate, and also contains an element of profitability. please note that we are not obliged to provide a breakdown of figures with regards to the costs associated with offering a product, or with the profitability of our products.

 

There is included a loss of future profet element -i.e, the profit we might reasonably have expected to make over the period, discounted to reflect the possibility that we will be abl to re-lend the funds (although probably not at the rate in question).

 

I will read up on these points later.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Just received S A R, can't work out if the asses fees are charges, can anyone help, i think certain ones are the problem is are which ones. Any ideas?

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Just posted LBA giving Midshires 28 days to pay up, otherwise it's court costs and interest.

I contacted Midshires and asked for details of all assess fees, should receive this whithin 5 days, i think Midshires are very sly.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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14 days is all you need to give.

BIRMINGHAM MIDSHIRES

1/09/06 SETTLED IN FULL

HALIFAX

7/09/06 SETTLED IN FULL

CAPITAL ONE

5/10/06 SETTLED IN FULL

NatWest

7/09/06 SETTLED IN FULL

ULSTER BANK

8/8/06 S.A.R - (Subject Access Request) sent

28/09/06 Prelim sent

18/09/07 Claim filed at court

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Hi Paul.

 

I filed with Moneyclaim yesterday.Good luck with the case.I will keep you all posted.

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 1 month later...

Just to update, i issued my claim through MCOL on the 18th Oct after no response to my LBA.

Today i have recieved a full breakdown of arrears charges totaling £390.00 and as a gesture of goodwill , they are offering to refund the charges etc, this figure is actualy higher than my claim, has i've stated before BM have been very sly they mask their charges under the identity of assess fees, so this leaves us a problem, what do we claim for, well i would strongly suggest that people with claims against BM make a request in writing asking for a full breakdown of arrears charges, the charges i've recieved include phone call charge £20 *3, late fee payment £50, admin fee for capping arrears £25, letter charge fee £30.

I think BM should take note of time limits in LBA letters has they have now incurred costs and interest

Oh and just for the record i will be claiming back the extra charges i didn't know had been applied as charges.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Congrats Paul!

 

BM seem to be a little more reasonable (for sharks lol!) so that is good news for your pocket.

 

:D

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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I've just contacted BM by telephone, i think i'll be getting an updated settlement figure, lets face it how can anyone defend in court telephone fees being added to an account and not having the decency to tell you that they've been added.

I'll fill the survey in when it's all sorted and pay the 5%, then i'm going for the redemption fee.

 

Court date with Barclays 8 Nov

court date with RBS 1st Dec (time barred claim)

Black horse Finance, unfair term consumer contracts (advice local solicitor)

miss-sold payment protection insurance RBS (misrepresentation act 1967)

apply set-aside ccj (will not supply original contract and ppi policy,)

 

I'm going to be very busy methinks.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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  • 3 weeks later...

Well BM had till Nov 6 to acknowledge my claim so i entered judgement yesterday, this morning i've received their acknowledgement dated the 7th, oops a day too late, come on BM cough up this is getting boring.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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My judgement for default has been rejected saying i was too early to request it.

The defendant had untill the 6th to aknowledge they did this on the 7th in my reckoning i wasn't too early, i'll give them a bell Monday.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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They aknowledged just before i requested the default. It seems they want to play games, oh well let them defend £50.00 late payment fees and telephone calls at £20.00 a time.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Thanks for that UB, yes the beer sure tastes good tonight, good luck with your claim, keep us posted.

 

I will ring BM tomorrow and ask for the £120.00 still outstanding, or else a claim will be issued.

I love it when a plan comes together.

 

Post a link to your thread UB.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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