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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Confused me against the natwest **WON**


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Probably best to send it to the same place you sent your preliminary letter.

I personally sent my LBA to my local branch, it gets passed on to the relevant department via internal mail anyhow. You will be told when to use the registered address, usually ant the claim stage.

Its best to let the 14 days pass and then file claim, that way you have stuck to all the deadlines you have offered and given the bank every opportunity to respond positively.

 

Best of luck with your claim and keep us posted!!

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IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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For your 8% intertest you need the figure that's been calculated up to the day you submit your claim through the courts. The spreadsheet should automatically calculate this if the date is correct on it.

The daily interest generated each day after your claim is filed will automatically be added on by the courts.

 

For the human rights box tick NO.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 3 weeks later...

You are able to amend the amount you're claiming right up until the point of filing your claim through the courts, which you are yet to do. So long as these extra charges don't make you exceed the 6 year limitation then you can amend you schedule accordingly.

You could submit your court claim with the updated schedule then forward another copy of the schedule to NW advising them of the extra charges you're now claiming.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Have you entered all your details into one of the spreadsheets on this site?

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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My advice would be to enter all yor charge details into this spreadsheet

 

http://www.cag-files.co.uk/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls

 

this spreadsheet will calculate the portion of overdraft interest which you are able to reclaim, it will also calculate the 8% interest which you can claim under section 69 of the county courts act (reclaimable at court stage only).

 

With regards to the Adv Gold fees, these are not reclaimable as they are service fees which you will have agreed to. Be careful when calculating these fees as they may be included in end of month fees, have a look at this thread for help.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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These charges seem to include the adv gold fee which you need to omit from what you wish to claim.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Sandra don't be disheartened and don't panic, I'm sure we can resolve your confussion. You have yet to actually file your claim through the courts so I will help you with this if you require it.

 

From what I can see you have stated that the adv gold charges applied to your account have been 9-14 pounds for years, this seems correct and in line with the quote below so long as you remained within your limits.

 

 

Unarranged borrowing fees have been £14 at the point of these changes in 2001, then £20 and then £28

Advantage Gold fees have been £6, then £9 then £10 and finally £12(since June this year).

 

 

You then go on to say that in 2005 they suddenly sarted charging you 37-38 pounds, to me this seems as though you were probably over your limits and therefore the charge has been made up from an adv gold fee + Unarranged Borrowing fee.

The quote below covers these charges, I've highlighted in red the charges which fall in line with yours.

 

If you have Unarranged Borrowing and Advantage gold you read it like this

 

Charge £20....£14 UAB and £6 ADGD fee, or £29......£20 UAB and £9 ADGD fee

or £37.........£28 UAB and £9 ADGD fee or £38........£28 UAB and £10 ADGD fee(please do not confuse this last one with the charge for bouncing a DD/SO/cheque- the narrative for that will be clear).

 

As for the spreadsheets, if you need a hand with them then give me a shout, they really are quite simple and I'll be more than happy to help you through them.

You have stated that you've just claimed 50% of the O/D interest, this isn't contractual interest.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Right I'm here Sandra, where exactly are you getting stuck??

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Sandra, give me 10 mins and I'll be with you!! Just about to have some grub!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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First question, did you/do you have an interest free overdraft??

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In which case, enter all your account balances in the column which says "ACCOUNT BALANCE AT INTEREST DATE", if the balance is negative then just enter it as a minus figure.....e.g. -200.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

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You may find that the INTERST CHARGED column and the INTEREST ON PENALTIES columns look the same in most cases, especially if you were overdrawn, don't let this alarm you!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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If you get any more problems Sandra give me a shout. If you think I've not seen your question just pm me!!

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IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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but suffering from the frequent moaning from the family for being on the computer most of the time!!!!!

 

I think we're all suffering the same problems.........lol

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Sorry for the late response Sandra, but what with the situation going on in my life at present I havn't had much time on my hands, Ive pm'd you the details.

Firstly have you sent the copy of your schedule to the court? If you haven't then send with the cover letter. Then it's probably best to wait for the acknowledgement of service, your claim will be out of Mr Higley's hands and more than likely be passed on to Cobbetts you can then forward any correspondance to them.

I'll keep watching.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Cover letter for schedule:-

 

 

 

(YOUR ADDRESS)

The Court Manager

Money Claim Online

Northampton County Court

21-27 St Katherine’s Street

Northampton

NN1 2LH

 

(DATE)

 

Dear Sir/Madam

 

(YOU) –v- (BANK)

Claim No: ********

 

I have today requested the issue of a County Court claim via the Moneyclaim online service, details as above.

 

Please find enclosed a schedule of the money taken from me by the defendant bank by way of charges, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached with the particulars of my claim.

 

 

Yours Faithfully

 

(YOU)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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The ball is well and truely rolling now Sandra. You should expect them to wait right up until 10th Feb before they enter their defence, this is typically normal of Nat West so don't worry if you don't hear anything between now and then. You now where we are if you need us!! ;)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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All good things come to those who wait Sandra, and it'll be no different for you. Hang in there we're with you all the way!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 2 weeks later...

Just sit tight for now Sandra and wait for Cobbetts to submit their defence, you've got plenty of time to prepare your court bundle (should you need it).

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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No change really Sandra, just waiting for him to build up his strength now.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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You seem to have everything in good order here, let the games commence.:D

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Cobbetts seem to try this on with everyones claim, mine included. You are correct in thinking that the 6 year limitation period starts from the time you first contacted the bank with regards to these charges and not from the time you filed your claim through the courts, which is how they seem to like to play it.

It might be a good idea to include the following in your letter to point out this matter.

 

I first contacted your client regarding their unlawful charges on XXth XXXXXX 2006 and therefore disagree with your contention that some of these charges fall outside the scope of the Limitations Act 1980. However I am happy to let the court decide on this matter.

 

Your client should consider themselves fortunate I have not claimed charges going further back, since I believe that any limitation would be overturned under the terms of section 32 of the Limitations Act, due to their continued "concealment" of the facts that their charges are unlawful, or for relief from a "mistake".

 

 

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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You know I'm always here to help............especially you.:D

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IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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letter to cobs and the court sent recorded delivery today.

So what comes next. I have read that many threads and advise I am confused against the NatWest.

 

Its a case of sitting back and waiting AGAIN I'm afraid. The next thing to happen should be that Cobbetts submit their AQ to the court, you should receive a copy of this once they've done it.

 

What was the deadline for the AQ's to be returned to the court??

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Might be worth phoning the court on this one, you say the deadline date is the 28th therefore your AQ should'nt have been presented to the judge yet. I cant see it being a problem if you state you wish to withdraw your old AQ and present a new one, not sure where you stand with regards to fees though, I'll be interested to hear your outcome.

 

And NO, you wont B**ls this up as we're here to help you.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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