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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lba


callum.golding
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I will be sending my Letter before action tommorow. Is the below necessary to include;

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Also any other things I'm missing? I'm including a schedule of my charges without the interest added. Below is how I have ammended the template;

I am very disappointed that you have failed to respond to my letter of the 27/10/2006.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £1005 which you have charged me in overdraft interest for the sum which you have taken.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter, dated 27/10/2006.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest.

 

Thanks for any help.

 

Callum

 

 

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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You don't have to include the paragraph in Blue re the OFT.

 

However this paragraph is incorrect as it refers to interest and not the charges.

I calculate that you have taken £1005 which you have charged me in overdraft interest for the sum which you have taken.

Why are you modifying the library template ? I would suggest you copy it again only leaving out the Blue OFT paragraph.

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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Hi,

 

Thanks for that. I assumed only some parts were relevant to my case.

 

Have there been cases where they have agreed repayment after you send the letter before action? I am confident about going all the way but just slightly worried about making sure I gather the right documents for the day of court.

 

Thanks again

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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I have not heard of Barclays settling in full at the LBA stage. They are much more likely to offer you a partial settlement, and then sit back and let you file your claim.

 

But the chances of them putting in an appearance in court is remote to say the least. You will probably have to spend some time getting all the documents in order for the court "bundle", but you will have plenty of time to do all that, as the average time for a hearing seems to be 4 - 6 months!!

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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The only change I made to the prelim letter and will make to the LBA was the omission of this short paragraph:

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

It just seems a little histrionic, is there a very good reason for including it?

18/11/2006 Recieved Statements from Barclays.

20/11/2006 Sent Prelim for return of £575.

27/11/2006 Received offer of £290.

4/12/2006 Sent LBA.

8/1/2007 Filed Small Claim at court.

12/02/2007 Full settlemant from Barclay's.

12/02/2007 LBA sent to Mint.

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I'm very exicted about making sure everything is in order for the case. There was a guy on morning TV talking about how so many people are pulling this off.

 

I will remove that line then, thanks for the advice.

 

I take it I will need to read through the whole court bundle material very carefully. Will I have to stand up in court and say anything? I wouldn't be too confident at doing that so I hope not.

 

Thank

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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It is very unlikely that you will ever appear in court. These bloodsuckers daren't set foot inside. If they lost, that would create a precedent, they would lose billions.

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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Ok thanks for that. I recieved a letter from Barclays offering me half. I have inserted the correct sentance into the LBA.

 

Should I address the LBA to the customer relations manager that sent me the offer??

 

Cheers for any input

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Yeah sorry about same Q in two threads. I'm going to stick with this one.

 

..right off with that letter tomorrow then. When I have sucessfully recovered my amount is it possible to continue posting here to give advice to others.

 

Thanks

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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I sent my LBA yesterday stating my thanks for the offer but will only take the amount as a part-payment. I will now wait the 14 working days until starting my claim.

 

Its soooo hard turning down 510quids that could have been in my account the following day. Its just the thought of doubling it and standing my ground that pushed me to continue.

 

I understand that I should be reading through the court bundle soon, but am I right in saying that once I start my claim if Barclays do not respond in 14 days then I win by default and if they do acknowledge but don't respond following another 14 days I still win by default.

 

Let the battle commence.....

 

Regards

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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It's not as cut and dried as your last post. God, I wish it was.

 

You file, then 5 days is allowed in which to serve on the Bank. That's regardless of whether they had it the next day.

 

It's then that your 14 days start in which time, the bank should acknowledge. However, if they don't, and you apply for Judgment, they can still acknowledge out of time and be allowed to carry on. Don't ask, it may seem unfair, but the system somehow allows this to happen.

 

It's at the expiry of the 5 + 14 day period that the final 14 day period begins during which time they should defend. The same goes here too - you can apply for Judgment and they defend after that and again are allowed to continue.

 

There are occasions though when they do forget, and the claim succeeds but now they'll ask that you agree to the judgment being set aside. In the same letter they will offer a full settlement. If that happens to you, you should allow them to have their set aside as now they will pay you in full. It is said that they'll get their set-aside regardless of your response and in doing so, the end result will be the same only delayed while the Court sets a future date to settle the claim.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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A few days after I sent my letter stating I would still be claiming after their offer, I recieved the following letter.

 

"I am sorry you remain unhappy following our response to your compaint and note that whilst you are accepting the amount offered, you will be seeking the balance through the small claims court.

I confirm our offer made as a gesture of goodwill, and was in full and final settlement of your complaint. As such, I am unwilling to pay you the sum of £510 as an interim measure. I ackknowlege you require your claim to be settled in full. However, after carefull consideration, I regret that I am not able to increase our offer.

Should you wish to accept our offer of £510, please sign and return the acceptance form enclosed with our letter 21 November 2006. If you do not wish to accept our offer in full an final settlement, it would appear we are unable to reach a mutually accpeptable resoolution.

I appreciate this is not the response you were hoping for, but I trust I have fully explained the banks position."

 

Sounds like they mean to stand their gound. Shall I respond in anyway to this or wait for the 14 day deadline and begin a CLAIM ??

 

Thanks

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Also when I begin my claim online do I need to send a schedule of charges to the bank again and some sort of information telling them I've begun a claim.

 

What happens if I get a court date and actually have to go. ahhhh worries!!!

 

Thanks for the help

 

Callum

Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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You can send both the court and Barclays your schedule. The Court will tell Barclays you have filed a claim.

 

Don't worry about going to court - it is most unlikely.

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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