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    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
    • Peter McCormack says the huge investment by the twins will help Real Bedford build a new ground.View the full article
    • I emailed both. Tarry's came back "Please note that I have now left the business. Please contact Matthew Barnes ([email protected])  going forward" so will send to him.
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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.

      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.
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      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
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BelleVix vs. LloydsTSB ** WON **


BelleVix
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Hi,

 

I have sent all the letters and have received the standard 'not a hope' response... so am filing court action on Monday. I need to sort out the spreadsheets for the interest and then will submit. What I am asking is... on the forms for the court, where is says value, do I add everything together including the court fees? :confused: And just below that, it says Amount claimed, court fees, solicitors costs then total... isn't that duplicating the value? or should the value just be the charges plus interest? :confused: Probably seems like a daft question, but I want to make sure this is completely correct!

 

Thanks for any help!!

 

Belle :-)

 

P.S. this website is brilliant ;-)

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Value:

Bank charges (and overdraft interest if claimed) - £XXXX

Data Protection Act Fee - £XX (if claimed)

S69 8% Interest - £XXX

Total of - £XXXX

Plus daily interest at 8% of £0.XXp from the date of issue until settlement.

 

Amount claimed:

Charges + Data Protection Act - £XXX

Court fees: £XXX

Sols costs; None

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Guest Mumofthreeboys
Hi, yet *another* question... is the money claim thing the same as taking it down to the court yourself and getting them to stamp it??

 

No, Money Claim is online. The paper version is the N1.

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim. If you are not claiming overdraft interest use the Simple s/s here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

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Hi Michael,

 

Thanks so much for your help - I've gone with the simple spreadsheet!

 

Final question (it has to be as I'm printing everything out tonight!) - does it matter what address I put down for the bank on the N1 form?

 

Many thanks,

 

Belle :)

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Also, can you advise on the below:

 

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £XXXX and any interest charged thereon;

b) Court costs;

c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

 

Specifically, what interest does (a) refer to - the excess interest, which I'm not claiming, so should i take it out?

 

Thanks for any help offered,

 

Belle :)

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  • 2 weeks later...

Hi Belle

If you PM a mod with it in the follwoing format

username v Bank Name

 

Claim number: 2QZ22222

Issued: 2.10.06

Court: MCOL

Charges: £1,234.00

Interest: £234.00

Costs: £120

Total Claim: £1588.00

 

then theyll put it in the litigation section for you

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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  • 3 weeks later...

Hi, I just phoned the courts and it would appear LTSB haven't submitted a defense (they had until last Friday to do so). I am going to request a judgement, what will happen then - will the judge rule in favour of me :confused: :confused: ?? I would presume that if LTSB have submitted a defense and it shows up after i have requested a judgement then things will continue and i will be sent an allocation questionnaire. I am aware that i haven't sent any mod my claim details and will do this tomorrow when i have my claim paperwork with me - sorry!

 

Belle

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Hi - can anyone help? What happens when i send in the form for requesting a judgement - do i have to do anything else, what will the judge do?

 

i am fully expecting LTSB to submit their defence late or something, so it probably won't come to this but i would like to be prepared - i've read up on every other eventuality but never expected this one lol!!

 

Belle

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Hi,

 

I just phoned the courts and I had it slightly wrong before. The bank haven't acknowledged my claim (I thought they hadn't submitted a defense), so I am going to request judgement. I now have two questions...

 

1. Will the judge rule in favour of me? is it likely rather than probable?

2. Should I request the bank pay immediately or should I be nice and give them a week to pay?

 

(That was three!! :) )

 

Thanks,

 

Belle

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Chances are that Lloyds will file their defence late and it will be allowed by the judge, so don't hold your breath....you never know though, you could have slipped through the net :)

 

Askk for payment straight away - like I said, it is likely that they will submit their defence anyway.

 

Good luck :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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thank you! I am fully expecting them to file their defense late, so I haven't got my hopes up, but wanted to know just in case.

 

I really want this money (am getting married in less than three months - eeek!) and am sooo nervous at the moment. I can't remember how many letters I sent them (I have the LBA) and while I think I sent them 2 I can only find one. I am really worrying i've messed this up now, and they'll come down on me like a ton of bricks cos i didn't try and sort this out to a greater extent before litigation :(.

 

I'll send it off today as you suggest Dolly - thanks for the advice :D

 

Belle :)

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