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    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
    • Yeah only £10 so may as well just get it done. When it comes to liaising with the police and bargaining before it hopefully goes to court. How does that happen? Via email? Phone call etc
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Claim for GE money Mortgage fees *** Settled***


martin2006
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0.08 (i.e. 8% - this will equal 8% of the amount claimed).

We could do with some help from you.

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Thanks andy, can get it posted off now

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  • 2 weeks later...

Im a little way off issuing a claim but if and when that time comes, i will probably qualify for exemption from court fees.

My question is when do i apply for this with the EX160?

TIA

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You can apply before or after (as in a refund)

 

Andy

We could do with some help from you.

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Thanks andy,

i would prefer to apply before, i really dont have that kind of money spare as a carer on income support.

 

if i was to apply before would that be if and when i issue a claim?

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You complete and submit it at the time you issue the claim.

We could do with some help from you.

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Just had a call from GE regarding my claim for return of fees plus interest.

 

he called to try and tell me that any charges over 6 yr old are statute barred............wrong mate, this is a mortgage, its 12 yrs!

 

he also told me that all the fees levied are in line with t's +c's............................yeah but there unlawful and not enforceable mate, good luck explaining that to mr judge!

 

he then said he will have a final response in 8 weeks......................take your time mate, i move to the next stage in 1 week!

 

just go and get your chequebook out mate, u know u wanna!

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Careful Martin...

 

If you owe mortgage capital or they owe you....

 

Mortgage capital is the money you originally borrowed. For this part of a mortgage shortfall debt, the lender has 12 years to use court action to make you pay. This is under section 20 (1) of the Limitation Act.

 

If you owe interest or they owe you...

 

Mortgage interest is the interest you were charged to borrow the money. Your lender may also charge interest after your home is sold. For this part of a mortgage shortfall debt, the lender has six years to use court action to make you pay. This is under section 20 (5) of the Limitation Act.

 

As the charges will not be classed a capital then It will be six years...I'm afraid.

 

Andy

We could do with some help from you.

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Thanks andy,

The mortgage has been repaid when the house was sold.

The claim is for charges levied for failed DD etc.

Now when GE levy these charges, they dont add them to the capital balance, they are kept separate, in like a side account on the mortgage statement, so you effectively have 2 balances on 1 account.

As mortgage payments are made, nothing comes off the charges balance, that simply attracts interest at the same rate.

When the house sold and sols asked for a redemption balance, the figure given included both balances, as 1 figure to discharge the mortgage.

There was no shortfall, the house had some equity so very straightforward.

 

With regards to the 6/12 yr rule, is that from the date i discovered the error? This was when they wrote to me 2 months ago to say they were going to refund some eroneous charges

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Having read the limitation act i see the point you are making and it looks as tho you may be right, however, for now at least i will leave it as it is. For the sums involved, i doubt it would be economical for them to defend and i think i will only change the claim if we actually get to court and if its challenged about anything over 6 yrs.

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Today received a letter which basically outlines "their" complaints procedure saying final response will be in 8 weeks.

 

Well, my money grabbing friends at GE, this is "MY" complaint and it will follow my procedure

 

LBA will be posted monday 11th and assuming GE will do nothing before 8 weeks has transpired, my claim will be issued before GE's arbitrary deadline.

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Errrrmmmmm, clearly i meant monday 14th!!! :!::!:

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  • 2 weeks later...

OK, slight problem, is anybody any good with spreadsheets, i really need a little help.

 

My son has been on the PC and inadvertantly d/l a virus and i have had to reset the PC. I'm using windows 10 and resetting basically wipes all the apps and reinstalls windows but keeps all your personal documents etc.

 

The problem is that in my spreadsheet, cells K10 and K13 and all from K20 and J20 onwards, now read #VALUE! instead of the sums.

 

I have no idea how to resolve this other than completely redo the spreadsheet, any help much appreciated

 

thanks

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Send DX100 a PM martin.

 

Regards

 

Andy

We could do with some help from you.

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that's means it cant calculated the formula

 

 

make sure your date/time is set on the PC

and the claimtodate

still has the =today() I think formula

 

 

easy way is simply to download a new blank copy

and copy n paste your 3 cols of data into the new spread

then put their int rate back in cell d15

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Probably quicker to re d/l, copy and paste

 

Thanks gents

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re d/l and copied and pasted with same result.

 

ive had to copy and paste todays date into column j and thats fixed it, at least for today, may have to update it again for court with new date but will cross that bridge nearer the time

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Response to LBA arrived, it basically reads, be patient, we have until 26th jan till the 8 weeks is up.

Sorry GE, court papers will be issued first week of 2016.

 

Unless you pay up 😀

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  • 3 weeks later...

i'm about to issue the claim through the courts but have a question.

 

As this was a joint mortgage, can i claim in my name solely or will it have to be joint claim?

 

If jointly, this means i have to get the ex wife involved and thats really not what i want to do, we dont get on anymore

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No...you can go solo martin....see if the defendant objects...doubt it though.

We could do with some help from you.

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I thought as much andy and thanks.

 

i do remember reading on here regarding something similar and the "bank" or whoever it was tried to have the claim struck out because only 1 of a joint party was claiming. i think it went on to state that any of a joint party could bring about a claim, just wasnt 100% sure and couldnt find the thread

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  • 1 month later...

Ok need to get back on with this, looking for a suitable poc re mortgage charges, time to issue the claim

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Bang on the money again dx 👌

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Please could one of you check my POC for mortgage fees

gempoc (1) (1).pdf

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