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    • @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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Les Gunn
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Ello,

 

Got my S.A.R - (Subject Access Request) request statements sent on 20th July from Capstone Mortgage Services.

 

Worked out they had levied a £40 charge and 2 x £25 charges - sent repayment request on 28th July THEN followed it up with a letter requesting a full breakdown of the ERC of £4948.64 on 9th August.

 

Received a letter from Marcia Wingrove in their Collections Dept offering me refund of the 2 x £25 fees but not the £40 Deeds Release fee (which I prob claimed in error anyway).

 

That said, i'm awaiting their response to the ERC fee. If they come back and don't detail how the charge was arrived at, it'll be LBA then MCOL!! I realise that few have succeeded so far, but all the more reason the "raise the bar" and stop this unfair treatment!

 

;)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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MCOL filed today for £5068.64 - wish me luck!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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good luck!

 

lisax

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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Thanks Lisa - judging by the momentum gathering steam, I hope i'm successful too - they can't be allowed to cream money off people because of their financial status, either now or previously.

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Great stuff, I have just sent off the prelim to Capstone for just under £4k, so I will be following this thread and routing for you all the way!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Good luck Norvernrob!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

Interestingly, SPML's fob off letter to me, states that in their Investigation, the ERC levied on my account was 5%, so on my sub total of 71,066, with 5% and Redemption Charge of 140, the final total should be about 74,759 - have I got my sums correct??

 

According to my final statement, I was charged 7% ERC and paid 76,179 inc 140 ERC charge!!!

 

A bit of a cock up then would you say? See what the judge thinks... :razz:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

So their calculations are so good, they don't even know how much they charged you? Typical.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Interestingly, SPML's fob off letter to me, states that in their Investigation, the ERC levied on my account was 5%, so on my sub total of 71,066, with 5% and Redemption Charge of 140, the final total should be about 74,759 - have I got my sums correct??

 

According to my final statement, I was charged 7% ERC and paid 76,179 inc 140 ERC charge!!!

 

A bit of a cock up then would you say? See what the judge thinks... :razz:

 

How is that split on redemption fee - oart of that will be a months interest - can you post exactly what redemption says?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi Gizmo,

 

On my mortgage agreement it says 7% or £4948.60 until 140605 - I redeemed on 290305.

 

The SAR request statements say the following:

 

290305 Interest Charged £397.02

290305 Repayment Charge £140.00

290305 Early Repayment Charge £4948.64

 

Hope this helps :-)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

Hi Gizmo,

 

On my mortgage agreement it says 7% or £4948.60 until 140605 - I redeemed on 290305.

 

The S.A.R - (Subject Access Request) request statements say the following:

 

290305 Interest Charged £397.02

290305 Repayment Charge £140.00

290305 Early Repayment Charge £4948.64

 

Hope this helps :-)

 

So it is the 4948.64 that you will be reclaiming - what amount did you put in your prelim?

Consumer Health Forums - where you can discuss any health or relationship matters.

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I sent a seperate letter about 2 x £25 charges and they offered to refund these. So see if they do now they have the paperwork saying I accept only in partial settlement lol!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

Not sure if the SPML spies are reading these forums (i'm sure they must be!) because I had a letter dated 12th Sept, in which an "Audit of Complaint investigation" had been done after my letter telling me to bog off was sent, and the ERC rate "mistake" had been spotted...and the letter amended this to 7% instead of 5....hmmmmm! :rolleyes:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

Can i ask what charges you can claim back from SPML ?

NatWest: Prelim letter sent 29/8

Reply to prelim 2/9

LBA letter sent 4/9

N1 filed at Court 20/9

Notice of issue deemed to be served 2/10

Natwest filed acknowledgement 16/10

Natwest have until 30/10 to file defence

Defence received 26/10

AQ received 2/11

Cobbetts made offer of £2600 2/11

AQ filed 16/11

Court date received 23/11

Court date set for 17/1/2007

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Hi TillyTrot,

 

I have asked for the penalty fees back relating to 2 I incurred when a DD wasn't paid and the ERC which is the one i've issued the MCOL for.

 

In terms of what you can claim for, have a scoot around the site - there are a few examples of what you can claim back. Have you got your breakdown yet?

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

Hi TillyTrot,

 

I have asked for the penalty fees back relating to 2 I incurred when a DD wasn't paid and the ERC which is the one i've issued the MCOL for.

 

In terms of what you can claim for, have a scoot around the site - there are a few examples of what you can claim back. Have you got your breakdown yet?

 

And if you get stuck have scoot around for zoot who has an amazing wealth of info that she is more than happy to share.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi Les,

no i haven't got any info yet was just wondering if i have a claim with them, I have a secured loan which i have been in arrears with and nearly had my home repossessed, i am paying each month but just don't seem to be getting anywhere cos of charges they keep adding on for arrears i just wanted to know if i have a claim against them.

NatWest: Prelim letter sent 29/8

Reply to prelim 2/9

LBA letter sent 4/9

N1 filed at Court 20/9

Notice of issue deemed to be served 2/10

Natwest filed acknowledgement 16/10

Natwest have until 30/10 to file defence

Defence received 26/10

AQ received 2/11

Cobbetts made offer of £2600 2/11

AQ filed 16/11

Court date received 23/11

Court date set for 17/1/2007

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SPPL (Southern Pacific Personal Loans) will, on request, send you a mortgage account statement, which will show all the transactions, including charges, since the loan was taken out. I think they make a charge for this service, which if memory serves is 20.00. Alternatively you could send a Data Protection Act S.A.R - (Subject Access Request) letter, which only costs 10.00. You can then add up all the charges etc, and reclaim them.

 

However, as the account is still open, it might be an idea to see if you can arrange alternative funding, before you put in your claim. This will attract an ERC, but you may be able to claim that back as well.

 

You can definitely claim these charges back

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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Here's the latest guys n gals....

 

I called SPML yesterday and spoke to a very polite guy in their Compliance dept, asking him if my Court papers had been received.

 

Surprise, Surprise, no!

 

After being accepted on the 8th and deemed served on the 12th, no sign...how strange! :rolleyes:

 

Anyway, I was very helpful and told them the case number and to contact the Court. The clock is ticking...! :D

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Interesting stuff Les - I am just about to start against this crowd.

 

May I ask - which address did you use for the SAR ? Did you go through the registered address or via Capstone ?

 

Tazz

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Hi Tazz!

 

I initially sent it to the High Wycombe address, but they seem to deal with stuff legally from their Broadgate, London address, so that's where the MCOL went.

 

1st Floor

6 Broadgate

LONDON

EC2M 2QS

 

Good luck with yours :)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

Thanks Les.

 

I look forward to seeing some progress with your claim - once they find it that is............. :rolleyes:

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Claim has been acknowledged - I wait with baited breath.

 

:rolleyes:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

Claim has been acknowledged - I wait with baited breath.

 

:rolleyes:

 

Fingers crossed Les !

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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