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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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I have received an offer from Halifax, £298.95.

 

My claim is for £394.30 with contractual interest.

 

Loads of rubbish in the letter re: terms I agreed to etc..

 

The bit they are relying upon is "The Halifax does not consider that you are entitled to the further £95.35 that you are claiming. Unless you can provideevidence of this further loss the Halifax will file a defence in respect of this part of your claim"

 

Are they just trying it on, to get me to settle? My initial thought is "happy to accept the interim payment, see you in court for the rest"

 

My proposed reply is ...........

 

>>>>>>>>>

In reply to you letter dated 31st October 2006.

 

I reiterate that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then I look forward to you demonstrating this by providing a full breakdown of the costs to which you have been put as a result of my breaches, in order to reassure the court that your penalties really do reflect your costs.

I again draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

As you are aware my claim against you is £394.30, this has been increasing at £0.36p per day. As of the date of this letter my claim is for £399.34. This amount is based upon your unlawful charges & associated interest charges, costs and contractual interest.

You have offered a payment of £298.95. I am happy to accept this as an interim payment. However, until my claim is settled in full the proceedings will continue to court.

 

>>>>>>>>>>>>.

 

 

 

I would appreciate any thoughts on this ..........

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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its upto yourself, its your money

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Hi Sarg,

Have you already submitted a court claim? Because you cannot actually claim 8% s69 interest until you have which may be why Halifax are saying you are not entitled to it.

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Yes my claim was issued on 20th October, served as of 25th October.

 

I have claimed contractual interest at the unauthorised rate of 29.8% effective from the date of the unlawful withdrawals from my account.

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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That's exactly what is happening with our claim:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/43392-halifax-offer.html

 

The letter we received from the Halifax states:

"The Halifax does not consider that you are entitled to the further £~433 that you are claiming. Unless you can provide evidence of this further loss the Halifax will file a defence in respect of this part of your claim. "

 

Up to now, I was under the impression that Halifax were just paying up where they couldn't fight it, and defending when they thought they could pick holes in a case (faulty calculations, etc.) However, we think ours is fine. Is this Halifax starting to bite back, and send threatening letters to cause problems?

 

WendyN

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I think it is just bluff to try and settle at a reduced rate. They have agreed to repay the charges, some interest and costs straight away without any argument.

 

Are they really going to attend court and defend in my case £94 of contractual interest? I think not. If the hearing goes against them, as I believe it would, then the fact that contractual interest is applicable would become decided.

 

They are playing a game to reduce costs.

 

Anyone else have views on this?

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Our only concern is, that Halifax say that they will defend this £433. We're a bit worried that Halifax knows something we don't, and will try to pick apart our calculations. We've checked them, and they seem to be fine - the issue seems to be with the interest calculations.

 

We are claiming £525 penalty charges, then ~17% EAR compound interest on these (~£365), as per Vampiress' spreadsheet. We are then claiming 8% statutory interest on top of these amounts, now that it's gone to court, so it's ~£640 + ~£433.

 

Is anyone else having this problem? We only have 7 days to respond either way.

 

Thanks!

 

WendyN

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Don't let them intimidate you.

I have just recieved a similar letter, offering £764 against a claim of £4600 (and rising). I haven't added any interest yet.

They have sent me an acceptance form which states that if I take their offer then I have no further claim upon them.

Their letter also had vague threats about closing my account.

Whoopee doo!

If I don't have an account, thay cant charge me anymore, so where's the threat in that?

Needless to say, their offer will be accepted as part payment and their acceptance form will be returned blank.

 

 

If they decide to go as far as court in my case, I'm sure they will lose.

I'm getting a little anxious as the days tick away, but I know that they are playing on this with everyone who claims.

 

Just keep to your schedule and don't be deflected by their intimidation tactics.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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I received an offer from the Halifax of £415 as full and final payment after I sent my pre-lim letter requesting £1138. I wrote back to advise that I would only accept it as partial payment and continue with my claim however they have now told me that as I didn't sign their form accepting £415 as full & final I could no longer have it. I'm now proceeding with my letter before action, has anyone else had this problem or is anyone else in this situation??

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Hi WendyN & Deksel,

 

I recieved the partial offer after my LBA.

I sent a refusal of offer letter - available from template library.

I will be submitting my on line Money Claim tomorrow. I have to wait 'till then in order to give them the period of notice specified in my LBA.

Read the threads, look at the case studies, especially moderators & high grade accounts. Read the step by step guides.

You can't go wrong (he says with far too much confidence!!) if you stick to the procedures and timescales provided.

 

I have just recieved another £150 in charges because I went overdrawn by £2.59.

Instead of getting angry, I'm getting it back!

 

Best of luck to both of you.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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WendyN

 

I have just looked at your post again.

 

You seem to state that you are claiming contractual interest and then claiming 8% court interest on top of that. I do not think you can do that.

 

Do a search on contractual interest in the forums - I am sure that I read a post stating you can only do one or the other. If you find my particulars of claim that I posted a little while ago I have laid out a claim for contractual interest either at unauthorised or authorised rate or the standard 8% if the judge does not think contractual applies.

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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We are claiming £525 penalty charges, then ~17% EAR compound interest on these (~£365), as per Vampiress' spreadsheet. We are then claiming 8% statutory interest on top of these amounts, now that it's gone to court, so it's ~£640

 

WendyN

 

Hi Team

 

If you are claiming Contractual interest then you can't claim the 8% through MCOL. You can't claim interest twice. What was added to your Particulars on your claim?

 

 

Uk...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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