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    • What did she actually put on the form? would be good to see what was sent to them, as likely she has outed the driver .
    • Attachments (Exhibits)   FTMDave and I have called them "Attachments" but I note Andyorch used the term "Exhibits".  I don't think it makes any difference which you use but perhaps Exhibits is more correct.  Whichever you use, make sure you use the term consistently.  (i'm going to use Attachment for now).   You use Attachments as supporting evidence for things you mention in the numbered particulars of your claim.  Might be a report from a third party or a quote from a third party.  In the relevant numbered particular of your claim you refer to the appropriate Attachment supporting that part of the claim.  eg like this "(See Attachment A)".   You can use numbers or capital letters to identify each Attachment.  I don't think it matters which but be consistent in your usage.   It helps if the Attachments are organised and incorporated into your claim in a logical sequence.  (eg A, B, C etc)   Make sure each attachment is clearly labelled "Attachment A"  etc.   If it is not immediately clear to the reader what an attachment is, put a brief description.  Eg "Quote from XXXXX Ltd to complete unfinished plastering" or whatever.  Make sure the reader can understand what each attachment is.   Ideally each Attachment will be no more than one page.  So you can make the labelling of attachments even clearer by labelling them "Attachment A  -  page 1 of 1" etc etc.   If an attachment is longer than one page you label it "Attachment A - page 1 of 2" and then "Attachment A - page 2 of 2", or whatever it is.   By doing all that you are making it easier for the judge to follow - and you want the judge on your side...   Now - what you've posted in #109 is helpful because it adds up to to £16577.  Which is good.  But if I were the judge, I'd want to know where the individual items come from.     So what you have posted in #109 should - I suggest - be your final attachment.  Let's call it "Attachment H" for now.  So at the end of your particulars of counterclaim where you say you are claiming £16577 from the defendant, you put the reference "See Attachment H".   The judge then looks at Attachment H and sees a total of £16577.  What you then need on Attachment H next to each individual item on there, is a reference to which earlier Attachment that item comes from.  eg "See Attachment C".  The judge can then look at Attachment C and understand where the item on Attachment H comes from.  By doing that rigorously and methodically for each item on Attachment H you are justifying each item and the total of £16577.  Yes?   Your schedule in #109 is OK but raises questions that need answering.  eg: spelling as spotted by Honeybee13 Grand total as spotted by Honeybee13 TBA or estimates as per my previous post and Honeybee why is it in two separate sections (£8577 and £8000)? The item numbering is absolute garbage At the end of the day it is going to be the detail (or lack of detail) in your attachments that will win (or lose) you the case.  It has to be just right and you have to be consistent.  It has to be logical, methodical and consistent so it can be understood immediately.   I don't want you to give me answers to these questions.  I want you to act on them.   As I said earlier, don't post any more work you have done for now.  Wait until FTMDave is back this evening so we are all working from the same page at the same time.   If Andyorch or FTMDave suggest anything that disagrees with me, go with what they say.  They know more than me.   (I suspect one of them might suggest some kind of contents list identifying and listing all the different attachments)    
    • Hi again I sent my letter off on Monday, signed for delivery as I wanted to make sure it's got there, it was finally delivered yesterday Last night I had a text from them:   "There is a 50% settlement discount available on your account.  If you cannot pay in full this can be paid across 3 equal monthly instalments of £339.57.  To take advantage of this offer please visit" and then a website link.   Hopefully they will be in touch soon to say they've taken the letter on board and will leave me alone now.   I'll update this thread if I hear anything, it really helped me to see others had been in my situation. Fingers crossed
    • It hasnt caused tfl financial harm, those cards are paid for by the public purse. Your abuse of that is what you need to get acrossYour   id also state a criminal record will destroy your future career totally.   Dx
    • sure, this is the email i will send today unless there are any changes i should make?   Dear Sir/Madam,   I am emailing as I wish to ask for an out of court settlement regarding my case (case number). I realise that my actions have caused TFL financial harm and for that I am truly sorry, and would like to help remedy this in any way. Whilst there is no excuse for my actions, at the time, I was struggling to afford transport as a student working only 6 hours a week. Student finance did not provide maintenance for masters and on top of this, I was on universal credit during that time. I have since been paying for the travel using my bank card and despite going into overdraft multiple times, I continued to pay the full fare for the past 4 months and will continue to do so. This is a mistake I truly regret and am willing to pay the entire amount stated to settle this as soon as possible. Thank you in advance for your consideration.   Kind regards,    
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Hi all, not sure if this is in the right forum but please move if not.

 

Ok, my partner decided that he wanted to buy a pc from Dell. Having had good experience with them in the past and no problems with the pc's ordered decided to go with them needing an upgrade on an old pc. Now he called Dell and told them which pc he wanted on the buy now pay Oct 2011. All went through fine and creation took out £49 which is what they state they will do on the site.

After a bit of thought he decided the pc he had ordered wasnt the right one for him so he e-mailed Dell to cancel. I must add he DIDNT sign via website or forms with creation finance. Dell called and said he needed to contact CF to get his £49 credited back to him. He did this last week and they said that they would credit his account within 5 days.

 

In the meantime he had ordered another pc from Dell but the lady had put him down as buy now pay next year again when he wanted 24months instead, CF again have taken another £49 due to this mistake. The lady realised the mistake and has said that she will get it sorted out and call back.

 

After 5 days the original £49 hasnt been credited to his account, he has a visa debt card would he be able to claim back if CF do not credit him on the £49 that has been taken out twice now? As I mentioned, he hasnt signed any agreement either on-line or on paper.

 

This is what it says about the £49

 

*'Buy Now Pay Later' Typical example. Cash price £349. A document fee of £49 will be charged in all cases on the date credit is approved. Settle the loan in full by repaying £349 plus an administration fee of £10 within 12 months of the date of the agreement. Total amount payable £408. If the loan is not settled within 12 months of the date of the agreement, then pay 36 monthly instalments of £18.34. Total charge for credit £350.24. Total amount payable £709.24. Typical 29.8% APR. Minimum purchase £349 inc VAT. Written quotations available on request. Finance subject to status. Applicants must be 18 years of age or over and resident in the UK. Terms and Conditions apply. Credit provided by Creation Consumer Finance Limited, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Products shown may vary without notice.

 

 

Would be really greatful if someone could advise on what to do if this money doesnt get credited to his account by CF.

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Hi all,

 

Ok, my partner decided that he wanted to buy a pc from Dell. Having had good experience with them in the past and no problems with the pc's ordered decided to go with them needing an upgrade on an old pc. Now he called Dell and told them which pc he wanted on the buy now pay Oct 2011. All went through fine and creation took out £49 which is what they state they will do on the site.

After a bit of thought he decided the pc he had ordered wasnt the right one for him so he e-mailed Dell to cancel. I must add he DIDNT sign via website or forms with creation finance. Dell called and said he needed to contact CF to get his £49 credited back to him. He did this last week and they said that they would credit his account within 5 days.

 

In the meantime he had ordered another pc from Dell but the lady had put him down as buy now pay next year again when he wanted 24months instead, CF again have taken another £49 due to this mistake. The lady realised the mistake and has said that she will get it sorted out and call back. Still waiting on this call back after nearly a week.

 

After 5 days the original £49 hasnt been credited to his account, he has a visa debt card would he be able to claim back if CF do not credit him on the £49 that has been taken out twice now? As I mentioned, he hasnt signed any agreement either on-line or on paper.

 

This is what it says about the £49

 

*'Buy Now Pay Later' Typical example. Cash price £349. A document fee of £49 will be charged in all cases on the date credit is approved. Settle the loan in full by repaying £349 plus an administration fee of £10 within 12 months of the date of the agreement. Total amount payable £408. If the loan is not settled within 12 months of the date of the agreement, then pay 36 monthly instalments of £18.34. Total charge for credit £350.24. Total amount payable £709.24. Typical 29.8% APR. Minimum purchase £349 inc VAT. Written quotations available on request. Finance subject to status. Applicants must be 18 years of age or over and resident in the UK.

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apply. Credit provided by Creation Consumer Finance Limited, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Products shown may vary without notice.

 

 

Would be really greatful if someone could advise on what to do if this money doesnt get credited to his account by CF.

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