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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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Nationwide PPI


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  • 1 month later...

Hi IMS21

 

No I havent any paperwork.

 

When I spoke to them yesterday they told me that I took a £5000.00 loan in 2002 and was charged 700+ in ppi. I then took out a top up loan in 2003 of £20000.00 and was charged again. Is there anything I can do to get the paperwork?

 

Thanks once again for the reply.

 

TOSH1

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Been here since 2008 and don't know what a SAR is? I am surprised.

 

Template is here

 

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Add a line that says it is to include copies of all and any agreements you have had with them.

 

Cost is £10 and they will have 40 days to comply.

 

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  • 1 month later...

Did you send it recorded or some other trackable method?

 

Has the payment been cashed?

 

If their 40 days are up then ten send them the failed SAR letter form the library.

 

You can head it "Letter Before Action" and give them 14 days to supply your data.

 

If they fail to do so you can either report them to the ICO or, if you wish, sue them in court to force compliance.

 

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  • 1 month later...

You said earlier that you had two loans, one of which was a top up.

 

So you would be looking for two loan agreements and the statements of account for both.

 

Are they in the bundle you received?

 

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OK have a read of No.1 in my signature. This will tell you how to work out what amount is due back to you.

 

If one loan refinanced the other then you will have PPI from one loan rolled into the second. If loan 2 did not refinance loan 1 and they were two distinct loans then you have two distinct claims.

 

There are spreadsheets at the end of the article which will help you work out the figures.

 

If you get stuck, shout here.

 

When done, the next thing will be to download a fos consumer questionnaire from here....

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Complete the questionnaire and send it together with copies of your spreadsheet to the lender. They will have 8 weeks to investigate and give you a final decision.

Edited by ims21

 

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  • 10 months later...

Hi

 

I know that this has been nearly a year but I have not done anything because I don't really understand it.

 

However I am now determined to understand and see this through so please beer with me on this.

 

Thanks

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I have been going through my statements,

 

I took out a loan of £5000.00 in September 2001,

 

The insurance was £740.39 and the interest was £1058.33.

 

I paid until Septemeber 2002 and took out a top up loan,

 

I was given a rebate of £539.86 insurance and then charged 1034.80 insurance.

 

In January 2004 i topped this loan up again and took out a further £14427.59 loan.

 

I was given a insurance rebate rebate of £758.85 and then charged £3736.89 insurance.

 

How do I calim this back and can i claim back interest?

 

you can claim back the interest the PPI cost you yes

 

have a read of no.1. below

 

dx

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If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

 

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

 

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

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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In going through your statements have you found out what the monthly repayments were?

 

Have you read the article at No.1 in my signature?

 

OK i think post 5 applies to me. Is there a spreadsheet that I can use?

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Could you answer the questions please?

 

You said you have been going through your statements....have you found the monthly repayments for these loans? It would make life much simpler if you have these figures.

 

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Could you answer the questions please?

 

You said you have been going through your statements....have you found the monthly repayments for these loans? It would make life much simpler if you have these figures.

 

Yes Sorry

 

In October 2001, My first payment was £141.64 until October 2002 and this went up to £161.49 until February 2004 when they went up to 352.51

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Ok you will need the 1st spreadsheet here called StatIntSheet.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011(1-Viewing)-nbsp

 

You will need to know the percentage of the loan that relates to PPI for the first loan and in this case it is 740.39/5740.39 x 100 = 12.9%. That means that 12.9% of each repayment you made on the first loan is for the PPI.

 

Again, in this case it is 12.9% of £141.64 = £18.27.

 

In the spreadsheet, list each payment of £18.27 you actually made, i.e. up to the date that the loan ceased.

 

When you have done that bit come back here and we will work on the amount rolled into loan 2.

 

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