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    • No, but all you'd do is blindly run the statute barred date for another 18 months. Just sit on your hands until you get a letter of claim, then send a CCA request.  
    • Just like last time, Evri requested more time so they have another 2 weeks
    • Just an update, finance company rejected my complaint saying they've found damage but can't tell when it's from even though I've shown them how the front end is misaligned in the advert photos compared to another identical model car they're selling.  Dealership now want to charge me to get the car brought back to me but will only discuss over the phone which seems off. They're also saying no damaged was picked up by JLR main dealership before I purchased it but my local JLR dealerships till this day haven't mentioned the damage to me because they don't go into stuff like that for some reason lol  Ombudsman case is still open, not sure if I should leave the car with them or just pay to have it brought back.
    • Hi all, I get esa and pip,  I have £1200 in arrears that I owed my ex partner, I have been paying £100 per month to clear this debt that was setup by standing order, as I have complex needs I forgot about this standing order and have overpaid mainternance by around £4000, I told CSA I am happy for my ex partner to keep overpayment I do not wish to seek anything back, however they have declined to take of the sum of £1200 and are still saying I owe this to my ex partner. In my second question it was announced that pip would stop for mental health, I don't understand the link below Disability benefits system to be reviewed as PM outlines "moral mission" to reform welfare - GOV.UK WWW.GOV.UK The Prime Minister has outlined a package of sweeping reforms to put work at the heart of welfare and... Does this mean my money is going to stop? I have spoken to my key worker and I am already recieveing help from mental health team and complex needs team along with connections and mind, I just don't get what is going on.
    • No, i haven't had one for about 10+ years. I am thinking of just going to the court in person and pay at the counter
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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chopper272 vs lloyds tsb


chopper272
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just sent of my pre-approach to the bank.

i have a question?

just done a google on bank charges and some agencies are offering interest on the claim of 29.85% contractual interest how can this be achieved or is it not worth the hassle.

 

thanks in advance

 

chopper

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Agencies?

 

Do you mean companies who offer to reclaim charges for you and successfully claim contractual interest but will charge you a fee?

 

You can claim contractual interest, it's a little more involved of course but depending on how far back your claim goes...it can massively increase your claim value.

 

Heres a good thread for you to have a read of.

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/37418-claiming-1991-2000-fight.html

 

good luck

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  • 2 weeks later...

Same system, get the statements then send:-

1st Pre-approach.

2nd L.B.A

3rd MCOL or N1(Should it get that far)

With regard to credit cards i add the contractual interest to the charges on the Pre-approach letter and all letters following.

With Banks you dont add the 8% APR till MCOL or N1 form.

 

To work out contractual interest get statement and look for something like:-

Monthly Interest Rate 1.094%

Multiply this by 12 =13.12%

 

If in doubt ring credit card company up they will usually help.

 

Hope this helps

 

A mod will clarify this as im a newbie.

 

Matt

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  • 1 month later...

Hi

You need to start the court claim now, have a look at point 6 on the link below for details:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

Good luck, and if you have any questions please ask.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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With regard to credit cards i add the contractual interest to the charges on the Pre-approach letter and all letters following.

With Banks you dont add the 8% APR till MCOL or N1 form.

DAMN!!! I sent my prelim letter to Cap1 with a schedule of charges without the interest... will I be able to ask for it on the LBA and MCOL / N1?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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