Jump to content


  • Tweets

  • Posts

    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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

Contractual interest?


Glenn UK
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6348 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

Bill there were two. This is one ..

 

GenuineAnswers - What is Annual Percentage Rate (APR ) ? How to calculate APR ? What are advantages and disadvatages of APR ?

 

This is the other I stared at for a while ..

 

APR in agreements

 

So if u go for a quick read now then - how long before you have a supa dupa spreadsheet prepared to work out my rates???

 

Shall I come back about 4pm today?! lol :lol:

 

ENJOY!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • Replies 264
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Chezt - just expressing sympathy for you - hitting brick walls everywhere.

 

Thanks for the hardcore links - I'll lock myself away for a bit 8-)

 

Dunno about a spreadsheet, but I'll try and come up with something !! :lol:

 

Cheers, matey.

Link to post
Share on other sites

Chezt,

 

In your Genuine Answers link, I like the following statement after the APR Advantages bit

As you can see the above rates are all equivalent
:confused::-):-) yeah, of course they are!!

 

I've always used the following calculation to convert monthly to annual interest rate (notice I don't say APR, "annual interest rate compounded monthly" or anything else like that as I honestly don't know what it converts to).

 

(1+0.018735)^12

where 1835 equals the monthly rate of 1.8735% (so 0.026 is 2.6% pm on the credit card statement).

 

Copy and paste the quote above into the google search box and it'll calculate it for you. Change the 18735 to whatever your monthly rate is, remebering to drop the "point".

 

The above quote gives 1.24949559, and by dropping the 1. you get 2494 etc or 24.94%. So 2.6% per month equals 1.36071863 or 36.07%. Not exactly as Chezt's APR stated on his statement, but certainly near enough.

 

I admire Glenn UK's tenacity at trying to get the calculations exactly right, but my (layman's) head hurts so I'm happy to get it nearly right... As I mentioned in an earlier post, I'm not out to screw the banks and I think that if a judge saw our feeble attempts at calculating interest rates he/she would probably find in our favour as long as we weren't too far out, and certainly under rather than over in our calculations.

 

I'll post my spreadsheet later... I'm not saying it's correct (it's bsed on one of Vamp's sheets but I've modified it to work out variable rates) but I'm hoping it's close enough. I'm happy to argue in court that it's the best I could do after doing a reasonable amount of research. I'm sure it's under-calculating (sorry Glenn :) ) but I'd rather it was this way... after all I'm still getting more than the statutory 8%.

 

SirOweALot

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

Link to post
Share on other sites

After writing the above, I did some further digging...

 

I used the interest rates from Chezt's Genuine Answers link above

APR advantages

Rate of interest can always be misleading. A ten percent annual interest can be made to look in thee different ways:

0.7974% effective monthly interest rate

• 9.569% annual interest rate compounded monthly

• 9.091% annual rate in advance.

As you can see the above rates are all equivalent but to a person who is a novice in finance it is totally misleading. APR helps to standardize how interest rates are compared, so that a 10% loan is not made to look cheaper by calling it a loan at "9.1% annually in advance"

(MY EMPHASIS IN BOLD)

 

Using my calculation from the last post I did this

 

(1+0.007974)^12

The answer is 1.09999816, or 9.9998%. Close enough to 10% APR as stated in the first line.

 

Does this help anyone? Certainly I feel better about using that calculation in my spreadsheet...

 

I should point out that I'm not an accountant, solicitor, bank manager or anything like that... these may just be the ramblings of a madman...

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

Link to post
Share on other sites

Blimey - never again !!! Those links are scary :eek:

 

I thought I was being a bit of a geek 'til I went there. No more hardcore for me !!

 

Thanks, Sir, for your formula. As you say, if it's close enough, then it's close enough.

 

I've got some HBOS statements which show monthly AND annual rates together, and indeed, your formula concurs with these, as it does with your test above.

 

Well done, and thanks. :-)

Link to post
Share on other sites

WOW SirOwealot that's fab that google calculation thingy ... I could kiss ya! :p

 

It makes soooooo much more sense now n I've tried it against some other rates n it's spot on! THANKS!!

 

Just a point - why would you not refer to it as APR? I've called it this in my letters ... Quote from one of my leters 'I also claim compound contractual interest at a rate of 18.94% APR as set out in the attached schedule of charges'

Do you think I'm wrong doing this?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Blimey - never again !!! Those links are scary :eek:

 

I thought I was being a bit of a geek 'til I went there. No more hardcore for me !!

 

PMSL - I won't hold out for the spreadsheet then! :lol: Don't need it now anyway thanks to Sir!

 

The brick walls are coming down .... :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Oh Vamp I'm following you.... quick Q while ur here!

 

I've used your wonderful spreadsheet to calculate comp cont int & notice that the daily rate in pence doesn't match the actual amount it adds on when I change the claim date (ie add on one day?)

 

I'm prob just being a thicko but could u let me know if this is right ... simple explanation please! :confused:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Oh Vamp I'm following you.... quick Q while ur here!

 

I've used your wonderful spreadsheet to calculate comp cont int & notice that the daily rate in pence doesn't match the actual amount it adds on when I change the claim date (ie add on one day?)

 

I'm prob just being a thicko but could u let me know if this is right ... simple explanation please! :confused:

Which number spreadsheet please?

[

Link to post
Share on other sites

Vamp I've posted in other thread - ur too quick for me whizzing round! lol

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Just a point - why would you not refer to it as APR? I've called it this in my letters ... Quote from one of my leters 'I also claim compound contractual interest at a rate of 18.94% APR as set out in the attached schedule of charges'

 

Do you think I'm wrong doing this?

 

Chezt, notwithstanding anything on those wretched hardcore sites, nor anything Sir has to say, my meagre understanding is that the APR rate is a way of expressing the actual amount of interest charged in a year as a percentage, so that consumers can make comparisons between accounts before "buying."

 

As such, it is technically not the actual rate used in calculating interest, which is usually slightly lower. However, we find ourselves using the APR rate when claiming, as that is the rate published by the banks. It would seem to be close enough to satisfy the Courts, so why go any further ?

 

It is probably best not to refer to it as "APR" in one's claim, as I don't think it is technically correct to calculate our interest directly from an APR, even though we are using the quoted APR rate for simplicity's sake. I have worded mine "...interest at an annual rate of xx.xx% compounded daily." I still used their quoted APR rates, but I just didn't call it that.

 

Hope that's of use !!! :-)

Link to post
Share on other sites

bill-k,

 

...nor anything Sir has to say

 

Whilst I'm flattered that something I've said might actually make sense, I thought I'd better just reiterate that I've got no training in anything that would be useful on this board... I'm an IT Consultant, not an accountant or anything else, as such anything I say shouldn't be taken as correct, it's just my own particular grasp on it.

 

 

That said, I agree absolutely with the whole of your post above... APR is nothing more than a way of making numpties like us understand SLIGHTLY more just how much the banks are trying to drain every penny from us. I've used the phrase "monthly interest rate" and "annual interest rate" when I've written letters, that way they can be interpreted differently depending on one's needs. Again, you could argue that as a layman you don't know anything different.

  • Confused 1

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

Link to post
Share on other sites

Agreed, Sir - we're all just pitching in with whatever we know or think we know, and taking away what we think we can use. We must all test & evaluate it ourselves, for ourselves, before we trust it 100%, as has been done here with the monthly-to-annual rate formula, I believe.

  • Confused 1
Link to post
Share on other sites

Cheers guys - I've evaluated your comments about wording & have duly removed 'APR' from my letters - I totally understand the reasoning

 

Letters done ready to post 2moro - wow today has been a productive day :)

 

Off to tip both ya scales now - least I can do!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

cool... no-one's ever tipped my scales before... do I get a prize?

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

Link to post
Share on other sites

cool... no-one's ever tipped my scales before... do I get a prize?

 

I've only just found out what all that's about, Sir !! You get brownie points, but I'm still waiting for my catalogue to find out what I can redeem them for !!

 

Cheers, by the way, Sir & Chezt. I've learnt some stuff, too !!

 

Clicks all round, then !!! :-)

Link to post
Share on other sites

Pleased to oblige! I got a click this week too!

 

Bill - like the points catalogue idea ... wonder what I can get with my one!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Pleased to oblige! I got a click this week too!

 

Bill - like the points catalogue idea ... wonder what I can get with my one!

 

Dont get too excited, its a bit like one of those catalogues you get with the sunday papers, so if you want incontinence pants youre ok, otherwise forget it.

 

 

Glenn

 

PS my wife does tell me the pants I got are better than the ones i used to wear but they leak overnight.

 

PPS #. Is this contribution worth a click?

  • Confused 1

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

Link to post
Share on other sites

Dont get too excited, its a bit like one of those catalogues you get with the sunday papers, so if you want incontinence pants youre ok, otherwise forget it.

 

 

Glenn

 

PS my wife does tell me the pants I got are better than the ones i used to wear but they leak overnight.

 

PPS #. Is this contribution worth a click?

 

PMSL @ ur pants Glenn! u mean I can save up for a pair of those slippers ... well I say pair but u actually only get one that's big enough 2 put in both feet ... handy for a nice cosy night in front of the tv with ur highlighter pen n old bank statements etc ... ;)

 

As for the click ... think I already clicked u last week (& it was for something much more worth while than the pants post!)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

No click from me, Glenn - that post was utter pants.

 

R U taking the P or donating it ? :grin:

 

We're all POSL, here, and when you see some of the banks' antics, I think those pants are a useful idea - as is the big slipper, Chezt !! :lol: I'm told when you get to 1000 points, you have enough for one of those 4WD shopping trolleys to cart your documents into court with.

 

Ahem - all this piddling around has made a mess of your thread, Glenn, sorry. Better mop up & get back on topic - er, whatever it was... :rolleyes:

Link to post
Share on other sites

"PS my wife does tell me the pants I got are better than the ones i used to wear but they leak overnight.

 

PPS #. Is this contribution worth a click?"

 

Ewwww Glenn, Far too much info for a Monday, thanks! PMSL (oops, I think I need one of those now!!!)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Guest willowb

PS my wife does tell me the pants I got are better than the ones i used to wear but they leak overnight.

 

PPS #. Is this contribution worth a click?

:eek: I wouldn't click you with a barge poll now:( LMAO

 

Wxx

Link to post
Share on other sites

Ahem - all this piddling around has made a mess of your thread, Glenn, sorry. Better mop up & get back on topic - er, whatever it was... :rolleyes:

 

Yes I agree - this post has such a sensible title then all this happens .... we're not all here to have fun u know - this is sposed to be serious stuff! 8-)

 

If this post has helped in anyway - please click my scales ... *1000 points u say Bill?* ;-)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Oooh I've been clicked again!! 1000 points 'ere I come! ;)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...