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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds PPI mis-selling claim - help please


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Hi all - this is a fantastic site, thanks to everyone involved in running it. I was about to sign up to Brunel Franklin but after reading this site I think I can go it alone.

 

I'm a little confused on some details though and would appreciate some advice, especially on my figures.

 

I'm pretty confident I have a good case. When the loan was taken out in September 2008 I was not informed that the loan protection insurance was being added (they call it LPI rather than PPI but it seems exactly the same thing). I assumed the figures I was quoted for monthly payments were for the loan and interest only, not LPI. I was never told the repayment figures could be lowered by removing LPI or was given that option. I thought the total amount payable was just over £3000 because of the interest on a loan of £2500, but with the addition of the LPI I later found out I was paying off a full amount of £4480.32.

 

The original breakdown is as follows:

 

Cash Loan - £2500.00

Loan for LPI - £630.6

Total Loan - £3130.65

Monthly repayment (loan) - £74.54

Monthly repayment (LPI)- £18.80

Total montly repayment - £93.34

Number of repayments - 48

Total amount payable (loan) - £3577.92

Total amount payable (LPI) - £902.40

Total Loan - £4480.32

APR 20.5%

 

However, after phoning to check the balance in April this year I was surprised to find it was much higher than I was expecting. I enquired why and was told my payments had been paying off the LPI as well. I am not sure but I think the money I paid each month first paid off the LPI and only then went to pay off the loan amount. does anyone know if this may be correct? I think this may be the case because of the letter I was sent when I closed the loan (by paying off the full amount - my finances had improved in the meantime). The breakdown of the amounts in this letter are as follows:

 

Settlement date - 6 April 2010

Capital plus interest - £2132.45

Early settlement fee - £63.77

Insurance rebate due - £189.30

 

Total balance to close the loan - £2006.92

 

As you can see, they have offered a rebate on the insurance because I paid off early. This must be because I have already paid the full amount of the LPI. Or have I?

 

My opening letter to the Bank is therefore asking for the full amount payable of the LPI plus interest (£902.40) minus the rebate already given (£189.30) which comes to a total I am asking for of £713.10.

 

My questions to the forum are:

1) Do I have a good case? Is there any winning arguments I can use in my opening letter?

2) Are my calculations correct? Have I got the interest and the LPI figures right?

3) What is the deal with this early settlement fee they've tacked on? I'm not very happy about it but I've checked and it is mentioned in the small print of my policy document. Do I have a leg to stand on if I ask for this back in my opening letter as well?

 

I hope someone can help me here. I've never made a claim before and I'm a little nervous about going up against a big corporation. Any advice would be most gratefully received. I'll wait for advice before I send my opening letter.

 

Thank you.

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Hi M-Hawk,

 

Welcome to the forums. You have definitely done the right thing by deciding to go this alone.

 

The calculations you have done so far are indeed correct, but I would recommend you also charge statutory interest @ 8% per annum. This is calculated on each repayment made from the date of the repayment until the date they settle. As you cannot know that date at this time, for now you can work on todays date for the purpose of submitting your claim.

 

Eg: Repayment of £18.80 on 28th? October 08. So we calculate 8% per annum on £18.80 from 28th October 08 until 26th July 10.

 

There are links on the forum for the calculators, or just google " simple interest calculator"

 

Best of luck

 

DJ

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Compound interest calculator

rests = 12 compounded monthly

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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