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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] 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. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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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lowell/overdale claimform - old Shop Direct CAT debt - Now Wiped out by my Court Charges Reclaim **WON**


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I'm not sure were to put the "Sempra Metals v Inland Revenue Commissioners" in the POC. Could you tell me where It needs to go please

I'd suggest as part of 5a, just tag it on the end ", as per..."

 

I thought may as well try and get the default entry gone, would it affect the claim? should I take it out?

Leave it in for the sake of making the point to SD, just making you aware the court would not do much with it.

 

As for the letter to Lowell,

Yes, Something quite simple like that, telling them they are not to take the matter any further due to the account being in dispute.

 

Also how should I complain to Shop Direct about the selling of debt? Should I add the complaint into my preLBA?

I'd treat it as a separate matter altogether, so as not to confuse them. Another simple letter on the lines of "I am dismayed to have received correspondence from Lowell debt collection suggesting that my account has been passed to them when it is quite clear from our ongoing correspondence that there is an unresolved dispute relating to my former account with you. I consider it your responsibility to withdraw such action, I am aware that the FSO condone the sale of disputed accounts and will take it up with them if you do not resolve this problem promptly."

 

Great fun isn't it :-)

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It is great fun :)

 

 

Ok here's my updated N1

In the - ***** county courtwAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5BAEAAAIALAAAAAASAAoAAAg2AAUIHEiwoMGDCAUGWBiAIMOGDiMKgKhwIMSHGC9WbEjR4sSPIDM+rEiSZMeOExk6VJmwpcCAADs=

 

Claimant – **** of ******. Telephone – ******

 

Defendant – Shop Direct Limited, 1st floor skyways house, Speke road, Speke, Liverpool, L70 1ab

Brief Details of the Claim – Claim for the return of unlawfully imposed penalty charges and interestwAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5BAEAAAIALAAAAAASAAoAAAg2AAUIHEiwoMGDCAUGWBiAIMOGDiMKgKhwIMSHGC9WbEjR4sSPIDM+rEiSZMeOExk6VJmwpcCAADs=

 

Value – Charges £408 plus interest of £514.48

 

Defendants Name and Address – Shop Direct Limited, 1st floor skyways house, Speke road, Speke, Liverpool, L70 1ab

 

Particulars of Claim – 1. The Claimant [has] [had] an account 1 ("the Account") with the Defendant which was opened around 14/08/2010 and closed on or around 15/05/2014

 

2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Claimant contends that:

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £408 plus interest of £514.48 as in accordance with the precedent set in the case of Sempra Metals v Inland Revenue Commissioners

b) Court costs;

 

c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

 

d) The removal of the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

I believe that the contents of these particulars of claim are true

Signed:

Date:

 

Statement of Truth - Signed by you.

I will leave it on and see what happens. Here is my letter to Lowell:

 

 

Reference No: 0000000000

Shop Direct Reference No: 00000000

Dear Sir/madam

I would like to bring to your attention, that the account you’re trying to recover payment from is currently in dispute with Shop Direct. Therefore I request that the matter isn’t taken any further due to the account being in dispute.

Please refer back to your client for further instructions. I will not enter into any further correspondence with yourselves.

Yours Sincerely

 

Andrew

My other letter to littlewoods:

Account number: 00000000

 

Dear Sir/Madam,

 

I am dismayed to have received correspondence from Lowell debt collection suggesting that my account has been passed to them when it is quite clear from our ongoing correspondence that there is an unresolved dispute relating to my former account with you.

I consider it your responsibility to withdraw such action, I am aware that the FSO condone the sale of disputed accounts and will take it up with them if you do not resolve this problem promptly.

Yours Sincerely

 

Andrew

Please let me know if anything is wrong with the letters. I'll be sending littlewoods the PreLBA and the complaint letter tomorrow. I'll also get Lowell letter off too.

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I'd tell Lowell it's been in dispute for some time, rather than 'currently'.

 

I don't know if anyone else will comment on the documentation but it seems reasonable to me :-)

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I am aware that the FSO condone the sale of disputed accounts and will take it up with them if you do not resolve this problem promptly."

 

Great fun isn't it smile.gif

 

should be "do not condone" and yes it is fun :lol:

Illegitimi non carborundum

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Hi all,

 

Sent out the letters today, the claim 1st class recorded and second class for the debt complaint to littlewoods and lowell

 

Do i give them 14 days plus 2 days for post before the LBA letter or 14 days after the letter is signed for?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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It's usually 14 days from when you posted, plus 2 to allow for delivery. These companies should use 14 days from the day of receipt but tend to ignore deadlines and reply when they feel like it, 'within 8 weeks' or whatever.

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Right ok thank you for letting me know,

 

So 14 days plus 2 after the 20/02/2015 would be the 08/03/2015, or is it 14 working days I need to count?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Right ok thank you for letting me know,

 

So 14 days plus 2 after the 20/02/2015 would be the 08/03/2015, or is it 14 working days I need to count?

 

Thanks

Andrew

 

I've never been 100% sure but always took it, because it benefited me, to be 14 calendar days - 14 working days seems a strange (but not odd :-) ) number.

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Thanks Hillards,

 

I got a letter today from Lowell today, I'll upload the letter but it seems they have not mentioned anything about the letter I sent them.

 

My letter was signed for on the 23/02/2015, the same date of the letter they sent me today. But all they have talked about is setting up a repayment plan. I said in my last letter I won't be sending anymore. So should I just wait for Shop Direct to sort it out?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Standard Lowell letter, computer generated. You've written to them, they've not yet done anything on their system to stop the auto-generation of dross. Ignore... ;-)

 

If you don't hear back from Lowell with a proper response to your letter within a reasonable time period it may be worthwhile sending a second letter, refer to the first, point out their ignorance, remind them that the matter is in dispute with the original creditor and that they are annoying you with their automated letters...

 

Keep copies of your letters, and a record of when you've sent them. If Lowell get stroppy let us know here. Despite what they say, don't phone them...

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Hi Hillards,

 

Had a feeling it was a standard letter. I'll wait for a response to my letter before doing anything. No need to worry, I've been doing that since I made my account :)

 

And I have no intention of caving to there demands to call them :)

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Hi all again,

 

Had another letter of Lowell today, they thank me for my recent letter and asked for further details on my dispute. I will upload there letter, should I send them a copy of my preLBA letter or do I not need to send them anything at all?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Apart from leaving your name on it... :-o

 

You've told them, the dispute is with the OC, they don't need to know anything. You've done enough, they are aware. If they start getting silly then you have a big bat to hit them with now :-)

 

It is none of their business what the dispute is, tell 'em nowt :-)

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Thank you for pointing that out! NOT GOOD lol,

 

I've fixed it now :) so I shouldn't send them anything or just not tell them about the dispute.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Thanks for everyone's replies,

 

I will not send Lowell anything until they send something I need to reply to. I got a letter from Littlewoods today, saying there not giving me anything. They say there referring to a letter sent on the 06/02/2015, I did not get this letter. I'll upload there letter so people can see.

 

Do I send my LBA now or wait until the 8th when the 14 day time is up?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I'd stick to the timetable, but refer to their final offer letter and offer them a final chance to consider their options.

 

They'll probably not even reply. Let the days roll by after the LBA and then start the court claim. Be careful not to add anything that they could use against you though. As long as you're sure of the interest rate you are claiming then add it as interest in restitution, otherrwise your claim would be for the total amount of charges and let the court add the interest, which would then be 8% if the claim succeeds.

 

About Lowell. As SD have now sent a final response your dispute with them has been dismissed and Lowell could start getting stroppy. I'd ignore them myself and concentrate on the court claim. IF they send further letters that say they WILL take you to court, and somehow I doubt it for the amount claimed, you could just ask if they want to be included in your court action :-)

 

Still a long way to go to getting your money back.

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Okay thanks Hillards,

 

Well I'm sure it's the right interest because there was nothing else on the statements from the SAR that indicated interest rate. After converting the rate into compound interest I came to the number I'm claiming for.

 

And I'd happily let them join if they get stroppy :)

 

I received a letter today from Littlewoods giving me a copy of my credit agreement. Funny I never remember seeing or agreeing to one. Guess I must of agreed to something when signing up, but I never got anything in the post, I'll upload the credit agreement so you can see it.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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That credit agreement is signed ? The side that agrees to the CCA stuff is printed, with a tickbox. I'm not sure of the legality of that.

 

Not that it bears relevance to your claim. You are saying that their charges were unfair and therefore you require that they pay them back, with interest. Unless they are prepared to go to court and show just how much it cost them per transaction to administer your account they will eventually try to settle. It just takes some patience and grit. Stick with the plan and it should work out eventually.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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I thought about it not being signed when I opened the letter. Maybe say since I didn't agree then no charges should of been applied. But it's the hole you got the goods and all that, so don't no were that would go.

 

I'm gonna stick to the plan and hope littlewoods don't play to nasty.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Would this be ok for my LBA Letter?

 

Letter:

 

Dear Sir/Madam

 

I am in receipt of your letter dated 02/03/2015 concerning the above account.I am very disappointed that you have failed to comply with my request in the dated 20/02/2015.

 

I now understand that the regime of fees which you have been applying to my account in relation to late fees are unfair under the Unfair Terms in Consumer Contracts Regulations 1999 and may be unlawful at Common Law.

 

I would draw your attention to the terms of the contract which you agreed to at the time that this account was opened. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law, and in consideration of fair business practices and good faith. It is my contention that you have failed to operate my account in a manner conducive to the above, and have demonstrated a lack of fiduciary duty.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise.

 

I calculate that you have taken £408 in charges, in addition to which I also claim restitutionary interest of £514.48 which totals £922.48, in accordance with the precedent set in the case of Sempra Metals v Inland Revenue Commissioners. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 20/02/2015.

 

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

 

Yours Sincerely

 

Signed

 

My Name Printed

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Far too much for a LBA. You've already said everything in the previous letter, no need to repeat it all. Just refer back to it and point out that they were given the opportunity to deal with this without going to court.

 

All it needs is:

 

Dear Sir/Madam

 

Letter before Action

 

I am very disappointed that you have failed to give a satisfactory response to my request dated 20/02/2015.

 

I will allow a further 14 days for you to reconsider then I shall begin a claim against you in the courts without further notice.

 

Yours Sincerely

 

Signed

 

Don't miss out the words Letter Before Action, that's important. :-) Include any reference numbers too, give them all the help they need to identify you so they can't dismiss it as 'account not found'.

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