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    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road.  After coming off the motor way i noticed my car felt a little "weird" so i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intollerant on date night, so we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i havent recieved anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. SHould i query the ticket as i dont want to miss any deadlines (if so who do i check with?) OR should i keep queit. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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Frankie vs Halifax


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Hi Frankie Frankie -- they will probably get back to you with an offer - its the number on the offer letter. With me being in the north east, mine was a Newcastle number, but as I understand it, they are sent from different regional offices. Best wishes.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 2 weeks later...

OK guys, tomorrow is the 16th which means that their 14 days will be up, and its on to MCOL!

 

So I need to do up another spreadsheet and add the 8% interest, right? My question is - it says on this page.. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

that I need to send the banks a schedule of charges - is this the schedule I already sent them with my prelim and my LBA? Or do I need to send them another one?

 

Can anyone help?! Does anyone know?

 

Frankie.xx

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If your schedule has changed since you first sent a copy to the Hx then you should send an updated copy, so they are aware of the actual claim. If you've not had any new charges on your account then they've already got the details.

 

With MCOL you enter your claim and give the money amount, some people say you have to send 3 pies of the spreadsheet as supporting documents. However, MCOL don't need this. If the case is defended they will assign it to a local court, you will be notified, and then you can send in supporting documents.

 

You'll need the spreadsheet with the 8% to do MCOL, it seems pretty straightforward.

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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Well the only way it has changed is that now I'm after the 8% as well as the costs. So am I right in thinking the bank don't need another copy just yet?

 

So, when Hx say they'll defend, thats when I send in my new spreadsheet?

 

Do I need to put my court costs (eg the MCOL fee) into the spreadsheet or do I just add it to the MCOL file?

 

Thanks for all your help!

 

Frankie.xx

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Hi Frankie,

 

The court costs are itemised on the MCOL, as are the charges and interest. Its pretty straight forward to complete, it must be, I managed it! lol. I'm just ahead of you, they've replied to mine intending to defend, I wait with baited breath!! :)

HALIFAX - S.A.R Sent 11/01/06 :)

Prelim Sent 23/11/06 ;)

LBA Sent 07/12/06 :rolleyes:

 

Offer received 21/12/06

MCOL Issued 02/01/07:)

CLAIM PAID IN FULL (£2531.00) 18/01/07 :D

 

 

[sIGPIC][/sIGPIC]

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When you file the claim online it automatically calculates the Court fee and adds this into your claim you dont need to do anything about that. Some people suggest sending a copy of the spreadsheet with the 8% to the Court for them to srve on the Defendants. I would wait until you get an acknowledgment of the claim or a Defence and send it directly to them. You can check all your progress online once the claim is filed it is easy to use

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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OK so I have another question. I have used a spreadsheet 3b on this list VAMPIRESS'S CHAMBER OF "CONSUMER ACTI..., in order to calculate the 8% interest and the daily rate, but I think I've done this wrong aswell!

 

I am claiming over 2 accounts, and on the first - the total of charges is £1220. However, the spreadsheet calculates interest of £217.25 - surely this can't be right? If I use a calculator, to get 8% of £1220, all I get is £97.60? Have I used the wrong spreadsheet?

 

Frankie.xx

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No cos its the daily rate applied it will be right. If you want to double check go into bank templates, No6 interest calc sheets. Bank accounts England Simple Excel enter a charge in and the date and see if comes out with the same figure

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Hiya Frankie.

My smaller claim is £1,157 and the interest is 259 so yours sounds about right.

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OK so I have another question. I have used a spreadsheet 3b on this list VAMPIRESS'S CHAMBER OF "CONSUMER ACTI..., in order to calculate the 8% interest and the daily rate, but I think I've done this wrong aswell!

 

I am claiming over 2 accounts, and on the first - the total of charges is £1220. However, the spreadsheet calculates interest of £217.25 - surely this can't be right? If I use a calculator, to get 8% of £1220, all I get is £97.60? Have I used the wrong spreadsheet?

 

Frankie.xx

Hi Frankie, got your PM. Yes, 8% of £1220 is £97.60, but remember, the spready works out the interest on each charge from the date of the charge at the rate of 8% per year.

Post up the date & amount of your oldest & newest charges on your sheet, and I (or somebody) can check for you.

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Thanks everyone!!

 

Bill-K thanks, so much! I just thought it was simple interest (from the limited maths I can remember from school!)

 

OK, oldest charge on one account is: £30, 31/10/02 interest:£10.11

newest charge on same account is: £39, 4/10/06 interest:89p

 

On the other account, oldest charge:£30, 15/3/2006 interest:£2.02

newest charge on same account: £28, 30/11/06 interest:29p

 

Does that seem right?

 

Frankie.xx

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Ahh thankyou!! But now I am confused all over again! I am trying to calculate my daily interest in pence, which I thought you got by multiplying the charges by 0.00022?

 

On my spreadsheets, however - the claim for the charges of £1220 calculates the daily interest at 31.5p and the claim for charges of £624 calculates daily interest at 14.28p Do these sound right?

 

And also, one small question - will MCOL ask me for details of what the daily rate of interest is? And if they do, are these amounts what I put in? I'm about to start the MCOL thang!! lol

 

Frankie.xx

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Sorry I couldn't get back to you quickly, Frankie. I don't know how your spready calculated the daily rate, but I think the x.00022 method would have been correct. Your daily figures seem a little bit high, but I doubt if it will make a lot of difference, so I wouldn't worry. I'm sure you'll have your money well before the baby's due !! :)

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Aw thanks yet again Bill-K, you've been such a fabulous help to me!! Well, baby is due in 7 weeks, so to really be able to enjoy some extra cash before she is born, it would be brill if I could get something within the next couple of weeks!

 

Oooooh I can't believe I'm soooo close!! Cross fingers for me!!

 

So MCOL say they sort claims out after 10am the following morning - does that mean that Halifax will be served after 10 am tomorrow? Ooooooh!!

 

Frankie.xx

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Awww :-( That feels like ageeees!!

 

Nah no banana and anchovy pizzas for me, I'm really into fried egg sarnies at the mo. Luckily my husband makes the best fried eggs in the world, but I have ALOT of running to do after this baby is born!!

 

I can't find much to read up about the whole MCOL process. I feel a bit daunted, but its just sit and wait now, isn't it?! I'm crap at waiting!!

 

Frankie.xx

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Well, you can have two of everything at the mo' so enjoy !!! She'll keep you busy enough when she comes - no need for jogging !! Sorry, I don't use MCOL myself, but I believe that, after you've served the claim, the process is much the same as the N1 method, and is referred to your local county court if they don't pay up immediately.

I'm sorry I can't make the waiting any easier, matey, but you have to let Nature take her course !!! :)

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I would think if you've sent MCOL a schedule of charges, then you shouldn't need to send another. The "requested" status will be MCOL acknowledging your claim. They will then do their thing and post the claim, at which point there will be a definite date by which it will be "deemed served." Then it's tick-tock.

 

Put your feet on the desk - you'll be multi-tasking later !! (Being a bloke, I could never understand that word !!) Cheers for the click, matey !

 

Bill

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No I haven't sent a schedule to MCOL, they didn't ask me for one as yet. I've seen other threads that say that when Halifax acknowledge the claim, thats when you send the schedule in. Maybe I'll do that - I'm sure MCOL would let me know if they need anything else. :-S

 

Frankie.

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Hi frankiefrankie --- hold in there -- won't be long now and you'll be in the money!!! Best wishes. jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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