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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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    • 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
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Pen vs Lloyds TSB **TOTALLY & UTTERLY WON!**


Pen
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Pen - just in case I get too bogged down with work tomorrow am now wishing you all the best of luck for Wednesday. I know that you will have done your homework with Gary's help and its brilliant news that Elsinore will be there for you on the day! You go get 'em girl and if you have to climb down on the CI, so what! I have a feeling that you will look like a Cheshire Cat when you come out, and it won't be down to the medication! lots of love Debs x:)

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Hi Pen,

 

I am going on holiday tomorrow night so won't hear for 2 weeks how you got on (unless I can sneak half hour in an internet cafe), but very best of luck, I'll be thinking of you.

 

And you have a fantastic buddy in elsinore.

 

Giz x

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

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Hi Gizmo, have a wonderful holiday, we are going on one are selfs on Friday it's our 30th wedding anniversary i wonder if we end up in the same sort of place, did you know i had the same career as you until i was forced in to early retirement, what a coincidence. If you would like to give me your Mobil number i would be only to happy to text you the outcome, but then who wants to worry about CAGE when you are on holiday, forget it all and enjoy yourself, don't forget i know how hard you have to work, so leave the phones, laptops and every think else,. you can take the kids if you must:) :) :).

whatever the outcome, thank you for all your help time and energy.

enjoy yourself and thanks

Pen

 

Ps Maxine, nice to hear from you again, yes you are right i do have a hearing in June, thats another one.

how are things good I hope

pen

 

PPS thanks debs, as long as it's outside I am smiling and not inside i will be ok thanks for your support

 

Pen

 

ppps. i am now off too bed again, need to catch up on my beauty sleep.

goodnight and godbless everyone

pen

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:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen

Just subscribing. Gary mentioned your case to mje in a PM, so thought I'd pop in and have alook.

Sounds like you have plenty of support, and pleased to hear you have Elsinore helping you out. A good well respected CAGer, who will do you proud. (BTW, as I write this at 00:40 in the morning I notice Elsinore is also on this thread doing their homework) !!

 

Best of luck and wishes on Weds.

 

Photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi PM thank you, yes I am thrilled to have elsinore along with me, how lucky can a girl get, it's like hitting the jackpot, Although it's 2.45am i have cheated a bitbecause i have been to bed, but could not sleep so though i would come back here with you wonderfull lot

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Just subscribing too....been following your conquest with great interest...

 

GOOD LUCK for Wednesday :D :D :D

 

 

I know you've had loads of support; but wanted to add mine too... from someone also has a case with Lloyds involving CI.... they haven't filed their aq with me :rolleyes: .... still thats [problem]

 

By the sound of it, you could of sold tickets to attend eh? :)

 

Good Luck

 

Innocent

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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Pen,

 

Sent again last night..... Pleaseeeeeeee say you received it this time?!!!!

 

If not we've got a bit of a problem!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Gary just checked NO EMAIL I will PM wou with another adress Pen

 

 

Ok I have done it new email address in your mail box. keep smiling

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Thanks inocent, who needs the liverpool Game, this is much more enjoyable. thanks everyone

pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Good luck Pen have read your thread with interest....its great to see everybody pulling together - the unity shown on this site should worry the MIB......

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Dam dam Dam, I really do need to rush off or i am going to be late, Gary after sending you my new email address i thought i would check my llloyds account, they have deposited £3,013 into my account, thats less then half the amount I think it was £6,800 plus court fees which would have made it 7k something, I know I got the court fees refunded but they don't know that so not happy with what they have done also if i was negoiating I wanted to negotiate the pay the next claim which is in june, I will still call the court this afternoon see what the judge has done.

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Dam dam Dam, I really do need to rush off or i am going to be late, Gary after sending you my new email address i thought i would check my llloyds account, they have deposited £3,013 into my account, thats less then half the amount I think it was £6,800 plus court fees which would have made it 7k something, I know I got the court fees refunded but they don't know that so not happy with what they have done also if i was negoiating I wanted to negotiate the pay the next claim which is in june, I will still call the court this afternoon see what the judge has done.

Pen

Your half way there...!??!?!?!!!!

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Oh Pen, its starting to fall into place, just get the rest wrapped up, you're on a winner.:D

So pleased for you after you're your long slog.

Fingers etc still crossed :cool:

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Don't want to necessarily put a negative spin on this but.....

 

The deposit into your account is a very unsavoury tactic on behalf of the bank.

It is an obvious attempt to divorce the two elements of your claim, ie, the charges claim and the Ci aspect.

When you get into the courtroom on Weds, their first act will be to try to claim that the claim for charges has all actually been settled, then you will just be left to argue the Ci.

 

If you are still intent on claiming the full amount, you should talk to Gary and Elsinore about this, and how to handle it.

 

My own instinct is that the deposit into your account should be brought to the courts attention at your earliest opportunity. You should stipulate that the amount was deposited without prior notice, without your authority, and was not in respect to any agreement between you.

Myself, I would also be inclined to highlight how this should be viewed by the court as an obvious attempt at abusing the course of justice, particularly given how it has been done so near to the trial date.

Also given the fact that you have not recieved any notification, or entered into any agreement as to what the sum is in respect of, and given it's deliberate timing, have you had any opportunity to analyse or consider it. Therefore, it should be requested that it is completely disregarded as having any bearing or consideration on the case before the court on Wednesday.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Is the amount deposited representitive of the charges + court fee's + 8%?

 

I'll try the other e-mail address now

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Pen,

 

Just wanted to look in and wish you and Elsinore all the best for tomorrow!

 

Looks like Lloyds have given you something else to think about! :rolleyes:

 

Is the 3K the intial charges minus CI?

 

If so, i think Photoman is right in that they are going to contest the CI, claiming they have already settled the charges being claimed.

 

Gary and Elsinore will point you in the right direction for tomorrow... I bet your glad Elsinore is with you now. :)

 

We will all be routing for you, please let us know how it went when you get back!

 

Got my fins crossed! ;)

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hi everyone. I am back, sorry I have not been on line.

OK I have checked all my figures and there as follows. Chargers on there own = £3,058.13 however I forgot to add one spreadsheet to the costs on the N1 form so my claim on the N1 is chargers = £2,855.24 on top of that there was £250 courts fees then there would have been a £100 AQ fee so in total £3,155.24 thats without any interest ie no CI or no 8% just pure chargers and court fees. what has been placed into my account is £3,013.00 so I can not understand what they have done also I have had no letters no phone calls nor a explanation as to what this figure represents.

I called the court today re Gary's letter to the court for non compliance to court bundle to see what the judge had decided to do. he has stated that my letter will be discussed at the hearing tomorrow so it is still going ahead. I also asked if they are any other hearings tomorrow for bank chargers and apparently not mine is the only one, is that a good thing or bad thing. the clerk did however say not to worry as the banks have never turned up and so far the judge has always awarded judgment to the claimant. I don't know if that is really true or whether he was just being nice.

OK what do I do know.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi everyone. I am back, sorry I have not been on line.

OK I have checked all my figures and there as follows. Chargers on there own = £3,058.13 however I forgot to add one spreadsheet to the costs on the N1 form so my claim on the N1 is chargers = £2,855.24 on top of that there was £250 courts fees then there would have been a £100 AQ fee so in total £3,155.24 thats without any interest ie no CI or no 8% just pure chargers and court fees. what has been placed into my account is £3,013.00 so I can not understand what they have done also I have had no letters no phone calls nor a explanation as to what this figure represents.

I called the court today re Gary's letter to the court for non compliance to court bundle to see what the judge had decided to do. he has stated that my letter will be discussed at the hearing tomorrow so it is still going ahead. I also asked if they are any other hearings tomorrow for bank chargers and apparently not mine is the only one, is that a good thing or bad thing. the clerk did however say not to worry as the banks have never turned up and so far the judge has always awarded judgment to the claimant. I don't know if that is really true or whether he was just being nice.

OK what do I do know.

 

Well I guess you will have to turn up and collect your money..............seriously though it should be ok. As to the bundle not arriving I was in a big one at the Royal Courts of Justice as a LIP with several different hearings at different stages and the others side legal team handed me on 3 different occasions the bundle minutes before going in and seemed to get away with it ( apart from the last time when the trial was adjourned for 4 hours for me to read the bundle) - so don't be too suprised if they get away with a smack on their wrists.................if they turn up .....................:D :D

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Thanks for that josie

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi Pen

As I PM'd you. You have nothing to loose now, they have deliberately paid at the last moment (again) wasted court time(again) and paid up a random amount (again).

The clerk at the court was being a bit optomistic whan he said the banks never turn up...Sc&m sent a barrister to my case and obviously josie8, But that does not mean that you will loose. You have all of us on your side,

wishing you all the very very best for tomorrow. I will be at the hairdressers whilst you are at court!! Its a long job - grey bits to cover etc!!! So I have instructed OH to keep an eye on your thread, and to ring me ASAP when he hears....I am willing you a bigger WIN:razz:

Darling1 x

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Ok, this puts a new dimension on it then.

 

You've got a perfectly legitimate reason to go to court tomorrow becouse the amounts are not correct even minus the CI.

 

They clearly don't fancy defending the charges then, which wasn't entirely unexpected.:p

 

Expect the barrister to be there tomorrow anyway.

 

Clearly now they have indicated they want to settle, which is fine, so all there is to do tomorrow is to iron out the final amount. As it stands they have paid you no interest at all. Invite the court to consider awarding you contractual interest but as we have discussed before I believe its highly unlikely that any court would award it. Certainly no harm in trying though - especially if you set out good arguments - becouse as above you have a legitimate reason to attend anyway. If you have to settle with 8% then so be it.

 

I think, as PM said above, you need to really go for the jugular on the abuse of process issue.

 

Once again, they have behaved absolutely disgracefully and I think you need to make a case for costs on unreasonable conduct grounds. They could have settled this months ago but they have chosen to put you through all this only to dump a sum of money in your account completely unnanounced the day before court. By all means tell the judge your circumstances and the trouble you've had with them, as long as you are comfortable in doing so.

 

So;

 

1) Take your schedules so you can iron out the figures. Tot up the amount in charges, fee's, 8% interest and CI seperately, so the judge can clearly see what you are claiming for. Settle on an amount no less than all the charges + 8% + fee's (did'nt you get a remission though?)

 

2) Make a case for CI, but be prepared to settle for 8%.

 

3) Invite the court to consider a claim for costs on the grounds of unreasonable conduct. Tot up a schedule of costs based on time spent on the claim at 9.25p/h. Include any receipts for stationary if you have them.

 

I've got a costs application which I'll send to you which can form the basis of your case for costs. I'll e-mail it to you.

 

IMHO there is little point in refusing the settlement, keeping the claim intact and going for judgement on the lot.

 

Any questions?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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