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    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • luckily like this thread VCS/DCB(L) PCN spycar capture - PAPLOC Now claimform - no Stopping in Restricted Zone - Bristol Airport ***Claim Dismissed*** - Page 4 - Private Land Parking Enforcement - Consumer Action Group although no on the crossing, same applies to you so WS time. there are numerous threads here on pedestrian crossing claimforms by VCS at Bristol and at other airports so use our enhanced google searchbox and find them. really a bad idea to vanish for SIX months and not been have reading up here.....................  
    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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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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