Jump to content


  • Tweets

  • Posts

    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Luxx -v- RBOS **Bank resumes claim from 2009 !!??**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3737 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

COngratulations on the birth of your daughter. A nice healthy weight. I trust your wife is now well. :)

 

Hi...

Everyone is well citizenb thank you.

An update from the court...

The hearing went ahead in our absence, and they have officially discontinued with the loan part of the claim.... as to the charges, the judge has ordered a hearing on the 8th Oct in small claims :D

 

I did plead financial difficulty in my letter and because we did not bring the claim originally, and as the claimant would have had to argue the whole claim anyway had they not discontinued, i said it was unfair that the claimant should all of a sudden try to halt proceedings. We want our day in court!!

 

The Judge appears to agree :D

Link to post
Share on other sites

  • Replies 146
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi...

Everyone is well citizenb thank you.

An update from the court...

The hearing went ahead in our absence, and they have officially discontinued with the loan part of the claim.... as to the charges, the judge has ordered a hearing on the 8th Oct in small claims :D

 

I did plead financial difficulty in my letter and because we did not bring the claim originally, and as the claimant would have had to argue the whole claim anyway had they not discontinued, i said it was unfair that the claimant should all of a sudden try to halt proceedings. We want our day in court!!

 

The Judge appears to agree :D

 

 

Excellent news.:D So what happens next ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Excellent news.:D So what happens next ?

 

Nothing, just wait for the hearing :D

 

Brilliant, you now have time to change nappies :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Nothing, just wait for the hearing :D

 

Can I suggest you use any spare time to prepare for the hearing as best you can. :cool:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 3 weeks later...
Brilliant, you now have time to change nappies :D

 

Hi Citizen B...

I received a letter from the Court regarding this case. It has been allocated to Small Claims Track, and we have permission to amend our defence. Hearing is 8th October.

 

I have never done anything regarding Charges before, and this is what the rest of this claim is about....over £4k!!

 

Can you point me in the right direction on how to prepare?

 

RBOS have supplied incomplete statements which we can get some charges info from... What do we do with that info??

 

Have you come across any defences for charges at all??

 

I think we are lucky to have our day in Court considering this now purely about charges... We need to take advantage as much as possible....a good defence would be a great start:D

 

Cheers

Link to post
Share on other sites

Hi Luxx,

 

Read the Reclaiming Guide at Link No1 in my signature. List all default charges on a spreadsheet and this will be your SOC.

 

All you need for this is a complete list of all default charges and the dates on which they were applied to your a/c. :)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Luxx,

 

Read the Reclaiming Guide at Link No1 in my signature. List all default charges on a spreadsheet and this will be your SOC.

 

All you need for this is a complete list of all default charges and the dates on which they were applied to your a/c. :)

 

Thanks Slick....I will have a good look through :)

Link to post
Share on other sites

Thanks Slick....I will have a good look through :)

 

Hi :)

I have been so busy with my NR cases that i havent had a chance to even look at this, and i have 4 days to get my wifes defence into the court and to the claimants solicitors, as directed by the Judge.

 

I have never had any dealings with Charges, so have no idea what I am doing here! With ony 4 days to go i think I really need help!

 

I have some statements with charge information from RBOS...can anyone help me with this please? ...if anyone has the time?

 

I have no idea how to build a defence for this.

 

Regards

Link to post
Share on other sites

Hi,

I have completed Spreadsheet with charges/interest. Is it correct to add interest charged on an OD?

 

This is the second part of the Claim by RBOS which they tried to have stayed but failed :D They were sure that because it related to Bank Charges it would be stayed pending the outcome of the test case.... we pleaded Hardship however and the Judge agreed to hear the case.

 

Thing is, I have never defended against a claim for an account with an OD consisting of penalty charges/interest.

 

Can anyone give me some idea of what I need to do to defend agains this claim of £4k+?

 

After a SARS, RBOS only provided 6 yrs of statements, so the total on the spreadsheet falls short of the total claimed. The account actually goes back further than 2006, but we do not have statements for that time.

 

Can anyone tell me what a defence for this type of claim needs to contain? Please? I need to have the defence to the Judge and Claimants Solicitor by Friday :O

 

Kind Regards

Simple-charges-calc.xls

Link to post
Share on other sites

Hi Luxx,

 

Is the o/d balance made up entirely of default charges.

 

Can you confirm what Directions were given by the judge at the last hearing.

 

Am I right in thinking you have to enter your amended defence (which will include the claim for refund of charges) by Friday.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi,

I have completed Spreadsheet with charges/interest. Is it correct to add interest charged on an OD?

 

You can claim the interest on the charges only, but in reality that may be most of the interest anyway

 

This is the second part of the Claim by RBOS which they tried to have stayed but failed :D They were sure that because it related to Bank Charges it would be stayed pending the outcome of the test case.... we pleaded Hardship however and the Judge agreed to hear the case.

 

Thing is, I have never defended against a claim for an account with an OD consisting of penalty charges/interest.

 

Can anyone give me some idea of what I need to do to defend agains this claim of £4k+?

 

After a SARS, RBOS only provided 6 yrs of statements, so the total on the spreadsheet falls short of the total claimed. The account actually goes back further than 2006, but we do not have statements for that time.

 

Can anyone tell me what a defence for this type of claim needs to contain? Please? I need to have the defence to the Judge and Claimants Solicitor by Friday :O

 

Kind Regards

 

I notice that you've used the simple spreadsheet, but I'd suggest that you copy and paste the information into the advanced sheet, which deals with calculating the interest for you.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

All that's advanced is the formulas that have been put in to do the calculations. It's still quite simple to complete.;)

 

You'll need to put the interest in a different column to the charges, but if you sort them, you can just copy and paste them straight into the appropriate columns.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Hi Luxx,

 

Is the o/d balance made up entirely of default charges.

 

Can you confirm what Directions were given by the judge at the last hearing.

 

Am I right in thinking you have to enter your amended defence (which will include the claim for refund of charges) by Friday.

 

Hi Slick

Yes...the OD appears to be only made up of charges and interest.

 

Hearing on 8th Oct

 

each party to deliver, contract, witness statements, experts reports photos invoices.

 

copies to be delivered to court no less that 14 days before the hearing

original docs to be brought to the hearing

 

both parties try to agree nature and cost of any remedial work

 

Signed statements setting out evidence of all witnesses shall be prepared in the docs mentioned. This includes evidence of the parties themselves

 

The defendant has permission to amend defence to be filed and served by 4pm 18th Sept!!!

 

Apologies...I have been so busy preparing for the NR summary Judgement hearing that I have had no time to spend on this.... NOW ITS HERE!!!

 

I am really beginning to feel the stress of all this!

 

Some advice: Do not stop paying stuff at the same time!!! I am paying for that now...this is becoming a full time job!

 

I wont have the time to investigate this so am considering throwing in the towel on this one!!

 

Pity as it is just for bank charges...the most basic claim!!! Unfortunately I have never dealt with charges before, so to have to file a defence is beyond me!!

 

Regards

Link to post
Share on other sites

I notice that you've used the simple spreadsheet, but I'd suggest that you copy and paste the information into the advanced sheet, which deals with calculating the interest for you.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

All that's advanced is the formulas that have been put in to do the calculations. It's still quite simple to complete.;)

 

You'll need to put the interest in a different column to the charges, but if you sort them, you can just copy and paste them straight into the appropriate columns.

 

Thanks Caro... Ill give it a go later :)

Link to post
Share on other sites

Luxx, you really mustn't drop this one. It's worth too much

 

The judge has not Stayed this yet, although I still think he may at the hearing. But if you fail to defend/counterclaim now, you may lose the chance to reclaim the charges in the future.

 

I'll be back later and will add more if you need it. Read the Court Bundle guide in my signature below.

Edited by slick132
added "counterclaim"

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Just to clarify the interest issue - if charges are unlawful then any interest on them must be unlawful too. Therefore you can recalim charges and interest on them. Normall, you have to divide up the overdraft interest between 'legitimate' interest and interest on charges. However, if the OD is entirely made up of charges and interest on them, then you can reclaim the lot.

 

If you file in court, you can add interst at 8% under s69 of the County Courts Act on both as well.

 

 

Link to post
Share on other sites

Just to clarify the interest issue - if charges are unlawful then any interest on them must be unlawful too. Therefore you can recalim charges and interest on them. Normall, you have to divide up the overdraft interest between 'legitimate' interest and interest on charges. However, if the OD is entirely made up of charges and interest on them, then you can reclaim the lot.

 

If you file in court, you can add interst at 8% under s69 of the County Courts Act on both as well.

 

Thanks Steven...

Can we still claim on something we never paid in the first place? We never paid the charges at all, so can we still claim or just get them to reduce the balance to zero?

 

Regards

Link to post
Share on other sites

Luxx, you really mustn't drop this one. It's worth too much

 

The judge has not Stayed this yet, although I still think he may at the hearing. But if you fail to defend/counterclaim now, you may lose the chance to reclaim the charges in the future.

 

I'll be back later and will add more if you need it. Read the Court Bundle guide in my signature below.

 

Hi Slick,

The problem is time... Everything here seems to about bringing a claim not defending one. I have already read that link (which is great btw :)) but cant figure out how to build a defence not a claim??

 

They want to charge my wife over £4k in bank charges and apart from saying "theyre not lawful" I do not know how to defend.

 

I know I have left this one very late ....as per usual :| ....although to be fair, the new baby is very demanding and I am trying to do the right thing all round here.

Edited by Luxxinterior
Link to post
Share on other sites

Hi Luxx,

 

We need to focus on the Defence first, which has to be in by the 18th. You'll then have further time to get your court bundle in on time, by the 24th September.

 

Once the defence is filed and served (at court and to the bank respectively) you'll then have to work on the court bundle which involves a lot of printing and paper. So make sure you're well-stock on paper and ink.

 

As I see it, the defence will actually be a counterclaim. So on all the submissions to court, the normal order of names will be reversed - so, you'll file a defence (which is normally a POC) but you'll be the defendant and the bank will be the claimant.

 

Can we still claim on something we never paid in the first place? We never paid the charges at all, so can we still claim or just get them to reduce the balance to zero?

You have to reclaim the charges, or the bank will effectively have them confirmed as valid AND collectable. Whether you actually get anything repaid will be dealt with later.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Luxx,

 

We need to focus on the Defence first, which has to be in by the 18th. You'll then have further time to get your court bundle in on time, by the 24th September.

 

Once the defence is filed and served (at court and to the bank respectively) you'll then have to work on the court bundle which involves a lot of printing and paper. So make sure you're well-stock on paper and ink.

 

As I see it, the defence will actually be a counterclaim. So on all the submissions to court, the normal order of names will be reversed - so, you'll file a defence (which is normally a POC) but you'll be the defendant and the bank will be the claimant.

 

You have to reclaim the charges, or the bank will effectively have them confirmed as valid AND collectable. Whether you actually get anything repaid will be dealt with later.

 

Hi Slick... thanks so much for checking in.

I am trawling through the site by searching for "bank charges defence" but again still only finding claims.

Does a counterclaim not carry a charge with it? Or is that ok when using it as a defence?

 

I feel so bad having to ask questions that thousands of others will know the answers to already. I seem to have started fighting in reverse.... complicated claims first.... then when it comes to simple stuff I am lost.

Link to post
Share on other sites

Hiya Lux,

 

Just a little note:

 

Once the defence is filed and served (at court and to the bank respectively) you'll then have to work on the court bundle which involves a lot of printing and paper. So make sure you're well-stock on paper and ink.

 

If you have to buy these get and keep receipts for any costs you claim.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites

Hiya Lux,

 

Just a little note:

 

 

 

If you have to buy these get and keep receipts for any costs you claim.

 

Regards

 

PF

 

Thanks Pompeyfaith..

 

I was just jokingly saying the same thing to my wife yesterday morning as we hurriedly printed off 100 pages for 3 copies of a witness statement for our NR summary Judgement Hearing... But youre right it does add up...and very quickly.

I will certainly keep track of our stationary requirements.

 

Thanks for the advice :)

Link to post
Share on other sites

Hi Luxx,

 

Please see my PM to you.

 

:cool:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

You should use the POC from here - http://www.consumerforums.com/resources/templates-library/48-bank-templates/113-4-particulars-of-claim-n1-updated-version-now-available

 

Adapt it to suit your case and AMEND it to change every reference from "the claimant" to "the defendant" and vice versa.

 

The spreadsheet you linked to above will suit your needs just fine, given that the a/c balance is made up entirely of charges and interest thereon.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...