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    • The ppi deadline is 29th of August. frankly I don't think it makes any difference if you do it yourself or you use an agency except that if you use an agency then you will pay a lot of money from anything which you recover. my suggestion is that you contact every possible lender you have ever dealt with or bank and write them a letter and claim PPI. even if you are not completely certain that PPI was paid, write the letter and tell them that you believe that PPI was paid and that you want it reclaimed. This should bring you into the 29th of August deadline and then you can start dealing with it in a more careful and methodical way and of course we will be very pleased to help you. make sure you put everything in writing and make sure that you send everything signed for post so that you have a clear record that the claim was delivered before the deadline. if you make any phone calls then make sure that you have first of all read our customer services guide and implemented the advice there but the best thing to do is to get everything off in writing.          
    • Clear as mud...so you are the claimant...the defendant is correct they do not file serve evidence before the trial...normally directions state 14 days before the trial hearing each party simultaneously exchange and file.   The defendant then paid the debt amount but not the court fee or the section 69 interest at 8%.. Did it get to trial ? or is that yet to happen ? 
    • Then be prepared to get your cheque book out.   You will be served with the evidence the prosecution intends to rely on to convict you when you receive notification of court action. This will almost certainly be in the form of a "Single Justice Procedure Notice" (SJPN). They have six months to begin court proceedings and in most areas take all of that. You will be given three options:   1. Plead guilty and have the matter heard by the Single Justice (a hearing which you cannot attend).   2. Plead guilty and opt for a hearing in the normal Magistrates' Court (a hearing which you can attend).   3. Plead Not Guilty.   If, after viewing the evidence, you decide on (1) or (2) you will be sentenced in accordance with the sentencing guidelines. These suggest a fine of half a week's net income (maximum £1,000, reduced by a third for a guilty plea). You will also pay a surcharge of 10% of the fine (Minimum £30 - or £32 if the offence was committed on or after 28th June 2019) and costs of £85. You will also receive 3 penalty points. So you can see that the costs and surcharge will exceed £100 before you consider the fine.   If you choose (3) you will have to rely on either (a) the prosecution being unable to prove its case or (b) successfully rebutting their evidence. The cost of failure here is high. You will obviously lose your one third discount for a guilty plea and the costs will increase to as much as £620.   You can see that you "old fashioned" approach could cost you dearly. But you takes your choice and pays your money  😪  (or hopefully not  😀).
    • I was not aware that mitigation can also apply to actions taken after the event. I have not outlined this to date, I will write another letter stating this given I now use a monthly travel card and would never attempt it again. However, the Court date is in 10 days so I'm not sure I would receive a response in time.. seems to be worth a try though.    Thank you dx100uk. 
    • Sorry, but I don't understand. Am I "quoting" unnecessarily? I'll stop that, henceforth, if so. That said... "any claim, though I cant see why this mbna is not concluded, so why the confusion....." confuses me as I cannot contextualise your reference and thought I had intimated I am concluding the MBNA claim and no longer pursuing my SAR request, following your help in that query.   I am simply wondering if your last reply refers to this (MBNA SAR) thread or my more recent (general PPI enquiry) thread, is all.   Apologies if I am not helping myself through helping you, in this. I am trying as best I can, though. And am grateful for your help.
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Its WAR

half dozen accounts...how many summonses?

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My family have 6 A&L accounts including 2 MBNA accounts (not including the accounts that have had settlements).

 

Should the four of us issue 4 individual summonses, or should we mitigate our costs and go for one big claim listing ourselves as joint claimants? The amounts total approx £1000.

 

I guess we could do a joint claim for allo the A&L accounts and another joint claim for the MBNA accounts.


Its WAR

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I need to issue the summons now. Any advise?


Its WAR

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Summons is a bit premature. I have only LBA'd one of his two accounts. I have noticed though, that on his two accounts there has been no interest charged by the bank. But overdraft usage and exceeding fees etc.

 

Anyway, I have now combined the two accountrs and sent a new LBA which I know they will refuse to pay.

 

So in two weeks I will issue the summons, eventhough they have agreed to freeze the account until the test case in resolved.

 

I know about the section 69 8% interest which is added after the calim succeeeds, but as they have not charged interest (but fees instead), how do I deal with adding interest to the claim, before the 8%?


Its WAR

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Hi, Its WAR.

 

Have you read through the FAQS thoroughly? It should tell you all you need to know in there.

 

May I suggest you give them another read through? - just so you are sure you know the procedure and feel confident in your claim.

 

It should also help with your query about interest.

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