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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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
        • Like

Pen vs Lloyds TSB **TOTALLY & UTTERLY WON!**


Pen
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Hi everyone, still no news from lloyds.

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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Hi Pen:D

 

Looks like you can forget about the O/H's loan then - I think they knew they did'nt have the agreement and suing was a last ditch attempt to get you to pay it.

 

Oh, your PM box is full by the way.

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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Thanks Gary, I will clear it now, unsure about OHs loan, should the bank have sent me something by now in regards to my defence.Do they have any deadlines to keep to. It would be great if what you say is right. but a bit ****ty on the banks frighting people that way to make them pay up. just think If I had not been a member of CAG and had your help, I would have had to agree to owing them the money and paid up when they had no agreement all a long, it beggers belief how low they can get.

 

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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Yes I hope so Gizzmo.

 

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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Hi Pen Just checking on your progress - any more developements?? (I am now on the storcard GE MONEY site!!, I am a bit lost there its a bit quiet compared to this one!!)

Hope all is going Ok

Darling1......nice weather today!!:rolleyes:

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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Hi Sue,

no not a dickie bird. bit strange cause i don't know if i should be doing anything about it. I have lodged the defence with the court a while back but have had no responce other then the court informing me that they had recieved it and lloyds have untill the 24th April to decide if they want to proceed so I pursume it's now upto lloyds.

 

In relation to the SAR court case, lloyds had until the 11th April to reply. I don't know if they had so I will call the court on Monday to find out. If they have'nt I will be back asking what to do next.

 

But on the chargers issue. I got a letter from lloyds yesterday. relating to the GWO the gave me in December (remember the one for £750 which they lost) I wrote to them at the time stating that I would except it in part payment only. I also wrote to the court to inform them of the payment. anyway the letter yesterday stated they are sorry blar blar blar will not be making any further offers and if I intend to sue in court they will take it back out of any award I recieve.

 

I would expect then to deduct the payment from the chargers if I win that goes without saying but then it is hardley a GWG if they impose conditions on it 4 months later. did you get the same letter?

 

Know crap all about storecards but as i am a nosy bugger with nothing better to do i will pop over to say how bad the store is and how you have been so badly treated etc, etc just to keep you company from time to time.

 

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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Hi Pen -No I didn't get any letters from LTSB, about anything really. I just sent a letter to court telling them that I had received £750.00, and sent the refusal letter to LTSB, the one on the forum. they didn't reply, other than on the intention to defend bit. So I don't have any experience in negotiating with them!

I don't know much about store cards either as you will see on my thread, keep asking what to put on my prelim and LBA letters, because surely they cant be exactly the same as the bank ones, as with the storecard claims you add the fact that you are claiming back the 29.9% from the start, as they actually charge you that on the charges they make from the first day!

Anyhow, better trip over to my "New" place and find out what I am up to over there!

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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Hi Sue,

I am really really ****ed off with this bank. i called the court today regards the Notice of issue and Lloyd's failed to respond so the court told me to fill in the request for Judgment. Unsure as to what the judgment will be. I don't want to be awarded damagers I want my information all of it from the bank, can the judge order this or just a monitory value as compensation.

 

I think this is good news as regards Hubby's loan as the SAR should have included the loan agreements as we requested them if not then we should have got them when we sent the CCA, now they have even failed though the court system so they cannot say we have not tried to get them.

 

I am going to fill in the request for judgment today but should i include a covering letter of some sort

 

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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Hi Pen, just stopping by to see if anything is going on? Have you heard from the court ref the judgement yet? or is it too early - Darling1:p

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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Hi sue, no I followed garys advice and wrote to the bank giving them another 7 days if they don't reply then I will write to the court.

 

Don't expect the bank to reply. and don't know what the court will do but I hope they make a order for Lloyds to give me all my info and award me loads of damagers, some hope :D As I have claimed for a unspecified amount and left it to the Judges discretion on what to award so he can award anything for £10 to £5000. In the value column of the N1 I just didn't have a clue what to put and Gary cautioned care as you have to justifier ever thing with receipts I think so I just put value less then 5,000 so that it would be in the small tract. I think you had to have a figure and said basically I could not put a value on it so asked for the Judges discretion in awarding damagers. Hope I done the right thing. but we will soon find out

 

Pen.

PS Hi Gary, no sign of the oxton letter just emptied all my Pms so I hope I have not deleted it.

: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.

 

Good news - you can apply for a strike out on OH's loan claim. You'll need to fill in an application notice (N244), I'll help you with it tomorrow or Saturday. As for the default removal, the best person by far to speak to is Gizmo - she's successfully removed quite a few now I think.

 

I did send the letter to your e-mail address first thing this morning, check if its there and if not I'll send it again.

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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Wow Gary, thats great news, I will check out what the n244 looks like and yes i would appriciate your help. I will pm gizmo about the default, when I first sent the prelim for chargers I asked for the defaults to be removed there so maybe it could be done as a settlement on the chargers claim but yes gizmo will be the person to ask.

 

Silly me, not checked my email, it would be a good idea to do so now and again. Thanks Gary, Every thing is comming it it's end stagers now, I am going to have a good think who owes me money just so i can stay on the site and keep in contact with everyone.

 

Bye for now

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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Thanks Gary, Every thing is comming it it's end stagers now, I am going to have a good think who owes me money just so i can stay on the site and keep in contact with everyone.

 

No need to have money owing Pen, just stay around - it is a pleasure to have you here.

 

And really good news re the SAR and strike out. No doubt GAry wil lget you something great together over the next couple of days.

 

Best Wishes

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

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you are a love, thank you Gizmo. yes all good news so far, thank you for your help in it all I can see I am going to be really busy over the next couple of weeks bringing most of them to a conclusion. hopefully.

 

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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opps, big "mistake"

 

I had the request for judgment all ready for posting once the 7 days where up from the bank, but!!!! H/O had posted it by mistake. so today I recieved a letter from the court re Judgment for claimant (amount to be decided by the court)

 

The letters states "Judge Johnson orders that:

 

At a Disposal hearing the court may decide the amount payable and give judgment for that amount or give directions as to the future conduct of the proceedings.

Parties should note that the provisions of Part 26 Practice direction Paragraph 12.4 apply to a disposal hearing.

You should attend on the 25th June when the court will make it's decision.

Gary, do you know anything about proposal hearings and why one has been chosen in this case. will the judge just offer a monaroty award and not a order for my SAR do you think? I have gathered that nothing will be decided at these sort of hearings so do not know what is the point of having one. I also gather they look into the defendants finances to see if they are able to pay.. well we all know that are not able thats why we have to go through the court arena.

 

this has to be a bad move yes? why could they court not just make an order for the return of my DP information.

Have not heard of any of these orders on the site, i have put in a search but nothing came up.

Pen

 

Ps check out my Avatar, good or what :D

: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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CPR PD26:

12.4 Disposal hearings

(1)A disposal hearing is a hearing –

(a)which will not normally last longer than 30 minutes, and

(b)at which the court will not normally hear oral evidence.

(2)At a disposal hearing the court may –

(a)decide the amount payable under or in consequence of the relevant order and give judgment for that amount; or

(b)give directions as to the future conduct of the proceedings.

(3)If the claim has been allocated to the small claims track, or the court decides at the disposal hearing to allocate it to that track, the court may treat the disposal hearing as a final hearing in accordance with Part 27.

(4)Rule 32.6 applies to evidence at a disposal hearing unless the court directs otherwise.

(5)Except where the claim has been allocated to the small claims track, the court will not exercise its power under sub-paragraph (2)(a) unless any written evidence on which the claimant relies has been served on the defendant at least 3 days before the disposal hearing.

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Its nothing to worry about Pen. A disposal hearing would be the norm in a claim for an unspecified amout.

 

Judgement hasn't actually been awarded yet so it will be at the hearing, unless Lloyds file a defence in the near future, in which case it will probably take the form of a directions/prelim hearing. If/when you're awarded judgement the judge will make an order that Lloyds comply with your SAR and also decide on the monetry award, if any.

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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thanks Gary. So Lloyd's are still allowed to file a defence even though they ignored the first issue. the letter does say Judgment for claimant (amount to be decided by the court) seems a tad unfair, this is not necessary the case then if Lloyd's cans still add a defence, the judge could change his mind then the whole issue of a solution hearing would have been pointless. He might just as well wrote stating Lloyd's have a further 28 days to defend the case. I am sure the banks have these Judges in their pockets, thats why they won't come down hard on them. I honestly believe a layperson would not get all the chances to defend a case as the banks do.

 

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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the letter does say Judgment for claimant (amount to be decided by the court)

Oh, well if thats what it says then you have got judgement then. My mistake, sorry.

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, What avatar??

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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Hi Sue, nice to see you back (not)I could kill you. I, well not I but my son followed all your instructions, found a great photo and thought bingo. so told everyone to check out my new avator , only, when i checked it myself there was none. it' a good job you don't have any scales on this thread. the comments i would have made would'nt be nice. i even told Gary about your instructions and how easy they where to follow, I must check out if he has one or not. maybe not if you gave the instructions :p How is your new thread doing, still pretty confusing or are you now getting tto grips with it all. I really think they must be the same principle as bank chargers only you word the letters differently. Have you given any thought of claiming your chargers back beyound the 6 yrs with lloyds, maybe you don't have any but it's worth a consideration if you do.

Don't know what to put in my blank space now and cannot remember what was in it before. :D :D :D

 

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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Hi Pen - I shall PM you about your comments!! Its all very well following intuctions but did you actually save the changes you had made!??:confused:

I followed my instuctions and I got an avatar ok! :D - Its not that hard to do!

Lucky I like you and I know that you are only joking (I hope! :eek: )

Darling1

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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Hi Gary, Just noted your upgrade, you certainly deserve it with all the work/support you put in to helping us all out on this site, WELL DONE and congratulations, when did it happen

 

Pen

 

Noticed like me you still have not got a Avatar though(smiley vanished again) no idea where it goes too.

: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 Pen.:)

 

Ah yes, the avatar - I'm working on it!;)

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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