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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Excel Contractual Interest Spreadsheet


Mindzai
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Awesome spreadsheet - does what it says on the can.

 

How do you calculate the APR....i have a CLASSIC account with an AER of 4.25%.

 

I thought the APR only applied to loans and credit cards

 

:confused:

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How do you calculate the APR....i have a CLASSIC account with an AER of 4.25%.

 

I thought the APR only applied to loans and credit cards

 

That's the usual idea, but if your card doesn't have any one-off charges made for certain transactions (eg cash advances, etc.) perhaps they may quote the AER instead.

 

However, if your CLASSIC account is a current account, then the AER or EAR will be quoted instead.

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From post 148,

You then raise the figure you obtained from P*(1+r) to the power of n
No, it's (1+r)^n then multiply by P, otherwise you'd be doing P^n x (1+r)^n. Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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That's the usual idea, but if your card doesn't have any one-off charges made for certain transactions (eg cash advances, etc.) perhaps they may quote the AER instead.

 

However, if your CLASSIC account is a current account, then the AER or EAR will be quoted instead.

 

Thx Bill

 

It is a classic current account, and i am still confused as to how to work it the daily & monthly interest rates as the spreadsheet requires the APR figure ----and i have an AER of 4.25%:twisted: :???: :???: :???:

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From post 148, No, it's (1+r)^n then multiply by P, otherwise you'd be doing P^n x (1+r)^n. Regards, Mad Nick

I find P*(1+r)^n works for me.

I put the formula on row 1 of my Excel spready exactly as "=B1*(1+(E1/365))^D1"

Where B1 is £100.00, E1 is 20%, and D1 is 365 days, this gives me £122.13

I believe the mathematical hierarchy used forces it to use this set of priorities:-

The spready works out (E1/365) first, to give 0.000548,

then adds 1 to give 1.000548,

then raises this to the power of 365 to give 1.221336,

then multiplies this by 100 to give 122.1336

 

If I try punching the formula in in the order "P^n*(1+r)^n" it just tells me to #### off !!! :D

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Thx Bill

 

It is a classic current account, and i am still confused as to how to work it the daily & monthly interest rates as the spreadsheet requires the APR figure ----and i have an AER of 4.25%:twisted: :???: :???: :???:

 

I think you will be correct in entering the APR on the spready as 4.25%.

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Bill,

I find P*(1+r)^n works for me.
That formula is spot on and the way Excel works, it will do the (1+r)^n before multiplying by P. It was just that you described it wrongly as "raise the figure you obtained from P*(1+r) to the power of n." That would be [P*(1+r)] all to the power n which, as you computer says, is ****** Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Unfortunately Bill - The contractual interest TOTAL is less than the statutory 8% TOTAL when using the 4.25%....so i don't think that this is right.

 

Could i pm somebody and maybe someone can look at my spready...working with a figure of 29% seems more reasonable...but that is just a pie in hte sky figure that i remember somebody referring to on another thread.

 

Either a dumb moment or too many red wines for mother's day has got me confused on this spready...help please.

 

Kolo

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Bill, That formula is spot on and the way Excel works, it will do the (1+r)^n before multiplying by P. It was just that you described it wrongly as "raise the figure you obtained from P*(1+r) to the power of n." That would be [P*(1+r)] all to the power n which, as you computer says, is ****** Regards, Mad Nick

 

Nick - my apologies for misunderstanding you !! :confused:

 

You are indeed correct, and the way I worded the analysis in my post was indeed incorrect.

 

My thanks for pointing it out as quickly as you have done, and I have now corrected the post to show the method, as you have kindly now clarified.

 

Cheers mate. :)

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Unfortunately Bill - The contractual interest TOTAL is less than the statutory 8% TOTAL when using the 4.25%....so i don't think that this is right.

 

Could i pm somebody and maybe someone can look at my spready...working with a figure of 29% seems more reasonable...but that is just a pie in hte sky figure that i remember somebody referring to on another thread.

 

Either a dumb moment or too many red wines for mother's day has got me confused on this spready...help please.

 

Kolo

 

Kolo - the dumb moment is mine !! Yes, of course, if you claim 4.25% compound interest, then it will amount to less than 8% simple interest would !!

 

You need to check what the bank's current annual interest rates are for authorised and unauthorised overdrawing. You should be able to do this by checking online. I think you may then have a higher rate you can use in your spreadsheet.

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Kolog, no way is your aer 4.25%, otherwise you would be lending the bank money(!), that is less than the base rate. If you tell me exactly what account you have and who with then i can tell you your APR

Leech

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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i've been looking for the right spreadsheet to use for a CC claim, but this one also only calculates the 8% stat and not the same compounded rate (maybe around 16%) the bank charged me, which is what i thought most people claim?

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This the right one Tifo, the compounded part is on the green daily tab!!!!

Once you have filled in the charges click on it and you will see.

Leech

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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Please can anyone advise? I'm working on my spreadsheet (Mindzai's v1.9) i'm almost finished putting my charges in, about 20-30 lines to go. I'm on line number 194 and every time I try to insert the charge I get a pop up message saying 'protected cells cannot be modified'. :confused: What should I do?

Sorted it now, duh! Can't seem to delete this message though!

SM

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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Mindzai has protected some cells to ensure precious fields aren't overwritten. I'm sure this is probably something that has been overlooked and will be amended and a new release will come out but in the meantime, if you go to TOOLS then it will say something along the lines of UNPROTECT SHEET (no precise as I don't have excel to hand right now). Hopefully there are no passwords on it, this will then allow you to carry on. If you have any problems, there may be advice further up in this thread with regards to unprotecting the sheet (and it might be more correct lol)!!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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T4FF you're a sweetie and always reply really quickly- do you live here?LOL

 

You were right of course, simple case of unprotecting sheet, i've done it now and spreadsheet is done, yippee!

 

ps. thanks for kick up the bum earlier!

SM:p

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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do you live here?LOL

:D

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I'm about to send my LBA to Cap One - but I have some serious doubts about the spreadsheet I have used (taken from here... 6. Interest calculation spreadsheets I have used England - Advanced - Excel). Or put more accurately how I've used them. In a nutshell... the sheet does the following to calculate simple contractual int.

 

(Total amount charged in fees over the period of time)

 

Divided by

 

(The statement balance Month 1)-(the payment made in respect of that eg. the one which appears on Month 2 statement)

 

Multiplied by

 

Total interest charged as per Month 1 statement

 

= interest to reclaim for Month 1

 

I might be being thick, but I don't understand why the following month's payment needs to be deducted? Can anyone explain to set my mind at rest?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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fATBOY 88 send it over and I'll have a look if you like.

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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