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    • Hi All. I was driving in Stevenage down a 40 road.  After coming off the motor way i noticed my car felt a little "weird" so i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intollerant on date night, so we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i havent recieved anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. SHould i query the ticket as i dont want to miss any deadlines (if so who do i check with?) OR should i keep queit. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Is this a mistake or Fraud? ***WON***


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Make sure you refresh your brain with absolutely everything frettful - think up some nasty questions you might get asked and get your other half to pretend to be a nasty judge. Sounds like a bit of a game, but it works! Gets you in the right frame of mind - not combative, but alert and prepared. Facts, facts, facts!

 

And good luck. Let's hope another tragedy doesn't delay your case (wonder what will happen next... like a soap opera, this...)

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Hi Frettful,

 

Just wanted to say I'll be thinking of you tomorrow and keeping everything crossed that all the hard work you and LP have put into this case finally pays off :)

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Thank you everyone for all your words of support and comfort. Hopefully tomorrow will be the end of this stressful journey that I have traveled along with many of you.

 

I have prepared my file in order and studied it all. I am prepared as much as I possibly can and want to move on from this, and put an end to it. I have much more important things to deal with at present that are much less stressful. So lets see what the results are when I come back.

Thanks again to each and all, I am sure LP appreciates all the praises as he so righteously deserves.

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Well done and thank goodness for that otherwise I could see LP having a seizure.

 

Perhaps Admin could amend the title to WON.

 

Great idea surprise. I arrived at the hearing at 1.45p.m. I telephoned in the morning as LP advised at 11.30a.m to make sure the hearing was to go ahead and it was.

 

IT & IT junior had arrived before me. We were called in at 2.15p.m. Same District Judge as previous hearings. My god, if only I could have recorded the hearing. I was changing more colors than the rainbow. Mostly staying red. The judge began by saying that I had the right to appeal e.t.c if my case was dismissed and I would have to go before a circuit judge. I cannot remember the exact words she said.

 

Then she asked me if I had any questions for the Defendant and I replied that I wanted an explanation as to why IT had demanded the sum of 6191.80. To which IT junior replied that I should have bought this matter up in the 2005 hearing. I did not have anything more to ask IT and the judge then asked IT if it had any questions. That's where the fun started, IT started asking me so many questions and they were all relating to the 2005 hearing, to which the judge interrupted and said that this case had no bearing to the 2005 case.

 

The IT junior gave the judge a page with information regarding Henderson-v-Henderson case and Muhammad Nazmal Hussein case which I had no nowledge of. IT junior told the judge that I was abusing the court process and that my claim should be struck out and dismissed. The judge then replied that IT should not have charged interest on the 2758.60 and it was illegal of them to have done that.

 

I was not allowed to claim for costs, as the judge said that she did not believe that IT had been unreasonable. When the judge said she was ready to make her judgment I was about to faint. The judge made her judgment at 3.45p.m. She said that she is awarding judgment in favor of the claimant. Then IT junior said that they would appeal to which the judge said that their appeal is refused.

 

I could not believe what I was hearing and to be honest it still has not sunk in yet. I took my brother with me and when I heard the judge's decision I kicked my brother under the table as I was so happy. It was a long hearing and these are just a few of the details. I will post up more once I get my head around all of what happened. The judge told IT that they should make payment within 14 days and I will be receiving the court order within a few days and I will post up.

 

All in all a very good result and a very good day. :D:D:D:D:D

 

All the hard work and praises go to LP as I would never ever have got this far without him. God Bless you LP.

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So IT committed an unlawful act by adding interest and the Judge said he hadn't acted unreasonable and so you didn't get costs! Contradiction in itself I would have thought, but hey ho, I don't think we will ever understand the British Judicial system.

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So IT committed an unlawful act by adding interest and the Judge said he hadn't acted unreasonable and so you didn't get costs! Contradiction in itself I would have thought, but hey ho, I don't think we will ever understand the British Judicial system.

 

 

I know, but I do think that it is unfair that I was not allowed to claim for costs, as I believe that IT was beyond unreasonable and I think the judge should have seen that IT was too. I mean how long has this been going on for?

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judgment In Favour Of Claimant, I Won !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

About bloody time too! How much exactly?

 

wooooooo hooooooooooo WTG congratulations to you both

I sincerely hope it's over though! Sorry for being the pessimist, but this isn't over till the money's cleared in frettful38's account.

 

Well done and thank goodness for that otherwise I could see LP having a seizure.

True!

 

Perhaps Admin could amend the title to WON.

Requested.

 

Thanks hallowitch, wow what a day and I am so relieved that it is over.

Sorry to put a dampener on celebrations, but not over yet!

 

Well done. Congratulations:D

Yup! I'm sure IT's face turned into kurva:p

 

Now you MUST give us every gory detail of what happened:)

We mean EVERY gory detail frettful38! You haven't even written the amount!

 

Was interest given? Total amount is?

 

Great idea surprise. I arrived at the hearing at 1.45p.m. I telephoned in the morning as LP advised at 11.30a.m to make sure the hearing was to go ahead and it was.

 

IT & IT junior had arrived before me. We were called in at 2.15p.m. Same District Judge as previous hearings. My god, if only I could have recorded the hearing. I was changing more colors than the rainbow. Mostly staying red. The judge began by saying that I had the right to appeal e.t.c if my case was dismissed and I would have to go before a circuit judge. I cannot remember the exact words she said.

 

Then she asked me if I had any questions for the Defendant and I replied that I wanted an explanation as to why IT had demanded the sum of 6191.80. To which IT junior replied that I should have bought this matter up in the 2005 hearing. I did not have anything more to ask IT and the judge then asked IT if it had any questions. That's where the fun started, IT started asking me so many questions and they were all relating to the 2005 hearing, to which the judge interrupted and said that this case had no bearing to the 2005 case.

 

The IT junior gave the judge a page with information regarding Henderson-v-Henderson case and Muhammad Nazmal Hussein case which I had no nowledge of. IT junior told the judge that I was abusing the court process and that my claim should be struck out and dismissed. The judge then replied that IT should not have charged interest on the 2758.60 and it was illegal of them to have done that.

 

I was not allowed to claim for costs, as the judge said that she did not believe that IT had been unreasonable. When the judge said she was ready to make her judgment I was about to faint. The judge made her judgment at 3.45p.m. She said that she is awarding judgment in favor of the claimant. Then IT junior said that they would appeal to which the judge said that their appeal is refused.

 

I could not believe what I was hearing and to be honest it still has not sunk in yet. I took my brother with me and when I heard the judge's decision I kicked my brother under the table as I was so happy. It was a long hearing and these are just a few of the details. I will post up more once I get my head around all of what happened. The judge told IT that they should make payment within 14 days and I will be receiving the court order within a few days and I will post up.

 

All in all a very good result and a very good day. :D:D:D:D:D

 

All the hard work and praises go to LP as I would never ever have got this far without him. God Bless you LP.

Whilst right to appeal has been refused that doesn't mean much. They can still lodge an appeal which can take a while to deal with. It's not over till you have the cleared funds!

 

So keep the folder and everything, don't go out to spend all the money just yet!

 

Have a small booze as today was a good result, bringing you a few steps closer to justice; but till funds are clear in your account, it ain't over!

 

Wow.

 

That is fabtastic.

 

I would love to have been a fly on the wall watching this.

Doubt it! IT's fiery anger would have probably killed you - literally!

 

Trust me you would have had so much fun:p

I'd have loved to be there to fight the costs for you!

 

So IT committed an unlawful act by adding interest and the Judge said he hadn't acted unreasonable and so you didn't get costs! Contradiction in itself I would have thought, but hey ho, I don't think we will ever understand the British Judicial system.

Technically unlawful & unreasonable are not one and the same. Judicially that isn't a contradiction, though I think I would've got some costs against IT had I been there.

 

Wheeeeeeeeeeeeee!

One way of putting it :D

 

I ain't popping the corkscrew yet, but WELL DONE frettful38!

 

Before I get onto other things tonight, what's the amount IT was ordered to pay you?

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:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

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Well done Frettful and LP :)

 

It's my pleasure to give you a **WON** badge for you title !!

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I know, but I do think that it is unfair that I was not allowed to claim for costs, as I believe that IT was beyond unreasonable and I think the judge should have seen that IT was too. I mean how long has this been going on for?

Not in itself a definition of unreasonable behaviour unfortunately. A long delay was your fault unfortunately.

 

HOW MUCH???

 

Well done Frettful and LP :)

 

It's my pleasure to give you a **WON** badge for you title !!

Ta!

 

After 37 pages! About bloody time too!

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:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

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Hi LP damn I forgot that important part in all the happiness. In total I was awarded 4859.97. I believe 3420.00 + 1427.00 interest. I have written down the breakdown and will get out in a bit. But the total awarded was 4859.97.

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Looks good and feels great doesn't it :D

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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