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    • might be best to start a new thread as its one of 5 you have?  
    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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    • 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.

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Allan's V Preffered


Paul65
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S.A.R Sent 31/07/06

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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The Post Office must be making a fortune. We might help in keeping some of them open!!!!

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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  • 1 month later...

not yet.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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yer they will be getting a nice phone call from me in the morning :)

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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can someone please help me here:sad:.

I have received my S.A.R - (Subject Access Request) back and caculate as follows.

unpaid direct debit fee £30 x 4 = £120

Arrears fee £45 x 7 = £315

Deeds fee £40 x 1 = £40

ERC = £488.70

Total so far of £963.17

 

Thing is i have more charges for things on this statement and was wondering what i could claim for.

 

 

Redemtion statement fee £15 x 6 = £90

Statement fee £25 x 1 = £25

Final reminder default notice fee £25 x 1 = £25

Higher lending charge £528

Completion fee £495

1st solicitors letter £25

solicitors fees £481.23

solicitors fees again £229.78

Redemtion admin fee £210

 

can i claim for any of these, please help.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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I think from previous threads that it is not advised to include Deeds Fee. The other fees quoted I will have to leave to others to advise

Mortgage Trust Services - S.A.R - (Subject Access Request) sent 07/09

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ok thanks bushy

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Its amazing what Zoot keeps coming up with, in "new alliance thread" just found:

 

Re: new alliance thread

No worries Kia,

 

In fact today I had a pm regarding a mortgage company that had offered to pay back a deed dispatch fee of 50.00 so it might be worth chasing the sealing fee after all.

 

All the best

 

Zoot

Mortgage Trust Services - S.A.R - (Subject Access Request) sent 07/09

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letter sent, lets see what happens now

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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  • 2 weeks later...

OK Update, standard letter from prelim LBA sent 26/09/2006 next step court action....:)

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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  • 2 weeks later...

yup LBA sent and got a nice letter telling me as i no longer wish to comply with their complaints procedure, they would close down my complaint. i sent this in reply :-)

 

I can confirm receipt of the letter dated 4th Oct 2006 where you state your position with regards my so called complaint in respect of your unlawful charges, I am frankly at a lose as how such a large and respected company as Preferred could get this so wrong.

 

1./ My 1st letter to you was not a Complaint, but a request.

2./ My 2nd letter to you was simply to inform you of my intention to commence legal action against Preferred with regards to refunding the unlawful charges applied to my account in the time it was held by preferred.

 

With respect to Consumers credit Act 1974 & Unfair Terms in Consumer Contract Regulations, these Both apply to you in this case and I would strongly suggest you have your legal dept have a look at them.

 

The Data Protection Act section of my second letter to you simply refers to my recovering the cost of the Subject Access Request fee of £10 which I intend to include on my claim.

 

In the interest of goodwill I will extend my deadline for a favourable outcome in this matter and hope the offer of an out of court settlement of £2,300.00 will be seriously considered.

 

I expect a full reply to this letter and a response to my offer within 7 working days, after this point I will Serve my claim on preferred and let the courts decide. I will attached another copy of my schedule of charges with this as I have done in my previous 2 letters.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Got a reply to this today lol, reads as follows.

 

Thank you for your letter Dated 5th Oct.

 

I can advise you that we will not be refunding you the charges as per your origonal request of 15th Sept.

 

As previously advised, we will not be taking this matter any further via our internal complaints procedure.

 

Signed Miss R Daimond.

 

 

what you all reckon, off to court i guess.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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well paul you have given them the chance to explain their charges and they havent so yes court my friend i would say is the appropriate option left to you im not that far behind you 12 days to i file my papers !

if my advice has been of any help to you then please click the scales ! Thank you :D

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  • 2 weeks later...

yer they have said they are paying nothing and will close my (complaint) lol

 

i need to now raise action in an english court that will persue this on my behalf, so gonna take a wee bit more time i guess.

 

remember im in scotland

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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hi ho, hi ho, it's off to court we go.....

Barclays Bank

13/9/06 - ACCEPTED HALF ON BOTH A/Cs

HSBC

21/10/06 - SETTLED IN FULL

Preferred Mortgages

11/8/06 - prelim let sent - redemption fee

12/07 - case dropped

Halifax B/S

2/07 settled in full

Halifax visa card

MCOL due

Citicards & Hillesden

2/07 Data Protection Act & CCA let sent

3/07 Prelim let sent

4/07 LBA sent

Barclaycard

04/07 offer received for 1/3 - refused

Argos Card services

Half offered - refused

PPI Claims:

8/12 MBNA Loan settled in full

7/12 Barclayloan settled in full

9/12 Liverpool Victoria settled in full

7/12 Barclaycard claim rejected

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  • 3 weeks later...

I need some help here guys, it seems to file a MCOL i need to have an address in england which will act as my service of papers address, i have email about 15 lawyers regarding acting as my service of papers address none of which said yes, had loads of oh we don't do civil and stuff like that. can anyone stear me in the right direction here or is a anyone a lawyer in england that would act for me. any help would be greatly appreciaited as i am keen to get a claim filed.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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paul lickthewallfatboy used his friends english address it doesnt have to be a lawyer any address will do maybe some of our fellow forum members would let you use their address !

if my advice has been of any help to you then please click the scales ! Thank you :D

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great news paddy thanx, anyone wishing to offer their address for me could PM me, would be great.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Ho, no! what a nightmare for you. I will make some enquiries and get back to you

Barclays Bank

13/9/06 - ACCEPTED HALF ON BOTH A/Cs

HSBC

21/10/06 - SETTLED IN FULL

Preferred Mortgages

11/8/06 - prelim let sent - redemption fee

12/07 - case dropped

Halifax B/S

2/07 settled in full

Halifax visa card

MCOL due

Citicards & Hillesden

2/07 Data Protection Act & CCA let sent

3/07 Prelim let sent

4/07 LBA sent

Barclaycard

04/07 offer received for 1/3 - refused

Argos Card services

Half offered - refused

PPI Claims:

8/12 MBNA Loan settled in full

7/12 Barclayloan settled in full

9/12 Liverpool Victoria settled in full

7/12 Barclaycard claim rejected

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thanks paul, got it, and email reply sent. doing my MCOL now. tough to get it all in with only 1080 allowed. any tips ? or templates

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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