Jump to content


  • Tweets

  • Posts

    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
  • Recommended Topics

  • Our picks

    • 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
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2800 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all

 

I was hoping someone could work out a rough idea of the refund amount on the following loans or tell me how to do it, the complaint is upheld by my adjudicator and I am waiting for final confirmation from PDUK. I can't get my head round what I have paid, some figures are in brackets and there is Interest deferral, deposit, repayments !! I don't know what i am supposed to be adding up here ! Any help would be appreciated

 

 

10 January 2011 Interest | Deposit £100.00 £500.00

10 January 2011 Principal | Deposit £400.00 £500.00

15 February 2011 Principal | Repayment (£100.00) £400.00

15 February 2011 Interest | Deferral (£100.00) £500.00

15 February 2011 Principal | Deferral (£300.00) £500.00

15 February 2011 Principal | Deferral £400.00 £500.00

15 February 2011 Interest | Deferral £100.00 £500.00

15 March 2011 Principal | Repayment (£100.00) £400.00

15 March 2011 Principal | Deferral (£300.00) £500.00

15 March 2011 Interest | Deferral (£100.00) £500.00

15 March 2011 Principal | Deferral £400.00 £500.00

15 March 2011 Interest | Deferral £100.00 £500.00

15 April 2011 Principal | Deferral £400.00 £600.00

15 April 2011 Interest | Deferral £100.00 £600.00

15 April 2011 Interest | Deferral (£100.00) £600.00

15 April 2011 Principal | Deferral (£300.00) £600.00

15 April 2011 Principal | Repayment (£100.00) £500.00

13 May 2011 Principal | Repayment (£100.00) £400.00

13 May 2011 Principal | Deferral £400.00 £500.00

13 May 2011 Interest | Deferral £100.00 £500.00

13 May 2011 Interest | Deferral (£100.00) £500.00

13 May 2011 Principal | Deferral (£300.00) £500.00

15 June 2011 Interest | Deferral £100.00 £600.00

15 June 2011 Principal | Deferral £400.00 £600.00

15 June 2011 Interest | Deferral (£100.00) £600.00

15 June 2011 Principal | Deferral (£300.00) £600.00

15 June 2011 Principal | Repayment (£100.00) £500.00

15 July 2011 Principal | Deferral (£300.00) £600.00

15 July 2011 Interest | Deferral (£100.00) £600.00

15 July 2011 Principal | Deferral £400.00 £600.00

15 July 2011 Interest | Deferral £100.00 £600.00

15 July 2011 Principal | Repayment (£100.00) £500.00

15 August 2011 Principal | Deferral (£240.00) £585.00

15 August 2011 Interest | Deferral (£100.00) £585.00

15 August 2011 Principal | Deferral £340.00 £585.00

15 August 2011 Interest | Deferral £85.00 £585.00

15 August 2011 Principal | Repayment (£160.00) £425.00

15 September 2011 Principal | Deferral £280.00 £495.00

15 September 2011 Interest | Deferral £70.00 £495.00

15 September 2011 Interest | Deferral (£85.00) £495.00

15 September 2011 Principal | Deferral (£195.00) £495.00

15 September 2011 Principal | Repayment (£145.00) £350.00

14 October 2011 Principal | Deferral (£160.00) £407.50

14 October 2011 Interest | Deferral (£70.00) £407.50

14 October 2011 Principal | Deferral £230.00 £407.50

14 October 2011 Interest | Deferral £57.50 £407.50

14 October 2011 Principal | Repayment (£120.00) £287.50

31 October 2011 Principal | Deferral (£142.50) £337.50

31 October 2011 Interest | Deferral (£57.50) £337.50

31 October 2011 Interest | Deferral £50.00 £337.50

31 October 2011 Principal | Deferral £200.00 £337.50

31 October 2011 Principal | Repayment (£87.50) £250.00

30 November 2011 Principal | Repayment (£80.00) £170.00

30 November 2011 Interest | Deferral £42.50 £212.50

30 November 2011 Principal | Deferral £170.00 £212.50

30 November 2011 Principal | Deferral (£120.00) £212.50

30 November 2011 Interest | Deferral (£50.00) £212.50

30 December 2011 Principal | Deferral (£97.50) £247.50

30 December 2011 Interest | Deferral (£42.50) £247.50

30 December 2011 Interest | Deferral £35.00 £247.50

30 December 2011 Principal | Deferral £140.00 £247.50

30 December 2011 Principal | Repayment (£72.50) £175.00

31 January 2012 Principal | Repayment (£65.00) £110.00

31 January 2012 Principal | Deferral (£75.00) £137.50

31 January 2012 Interest | Deferral (£35.00) £137.50

31 January 2012 Principal | Deferral £110.00 £137.50

31 January 2012 Interest | Deferral £27.50 £137.50

02 February 2012 Principal | Repayment (£110.00) £0.00

02 February 2012 Interest | Repayment (£27.50) £0.00

02 February 2012 Principal | Deposit £420.00 £525.00

02 February 2012 Interest | Deposit £105.00 £525.00

29 February 2012 Principal | Deferral (£315.00) £630.00

29 February 2012 Interest | Deferral (£105.00) £630.00

29 February 2012 Principal | Deferral £420.00 £630.00

29 February 2012 Interest | Deferral £105.00 £630.00

29 February 2012 Principal | Repayment (£105.00) £525.00

30 March 2012 Principal | Deferral (£315.00) £630.00

30 March 2012 Interest | Deferral (£105.00) £630.00

30 March 2012 Interest | Deferral £105.00 £630.00

30 March 2012 Principal | Deferral £420.00 £630.00

30 March 2012 Principal | Repayment (£105.00) £525.00

13 April 2012 Principal | Repayment (£420.00) £0.00

13 April 2012 Interest | Repayment (£105.00) £0.00

Link to post
Share on other sites

There are two loans within the list, but yes they were pretty much rolled over and over and over, I just don't know what amounts I am supposed to look at, deferral, repayment, deposit etc...

Link to post
Share on other sites

Well its not a specific amount and there is no sure way to get a to a reasonable amount in which you can claim.

 

You could ask for all the rollover fees etc back which i think would be reasonable.

Have a look through the forums, I once drafted a very good letter to use.

 

If rolled over, it would be against the new rules and to me with the constant deferrals you could be looking at a little bit of return here.

If you need help please let me know.

 

Just a warning Instant Cash Loans Inc take forever to reply... So this will be a slow process

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...