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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Excel Contractual Interest Spreadsheet


Mindzai
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Do we have the CC spreadsheet ready yet ?

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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I notice previously that Mindzai agrees adding the monthly interest to the spreadsheet even though there has not been a penalty that month.

I think you can only justify that when your accumulative penalties equal your overdraft figure.

On another note you cannot alter the American way of showing the date

i.e. todays date in English mode is 23-02-07,but on the spreadsheet you have to put it as 07-02-23 otherwise the spreadsheet does not calculate properly,that is the default date......this is important !!!!

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 notice previously that Mindzai agrees adding the monthly interest to the spreadsheet even though there has not been a penalty that month.

I think you can only justify that when your accumulative penalties equal your overdraft figure.

 

Yes, however the spreadsheet takes this into account for you. The reason you enter interest charged each month is because from the first time you are charged, a portion of your interest may be caused by the charges, even if you were not charged in that month. The spreadsheet takes into account the fact that your charges may or may not exceed your balance/overdraft limit and adjusts accordingly. All you need to do is enter the interest you have been charged each month from the date of your first charge.

 

On another note you cannot alter the American way of showing the date

i.e. todays date in English mode is 23-02-07,but on the spreadsheet you have to put it as 07-02-23 otherwise the spreadsheet does not calculate properly,that is the default date......this is important !!!!

 

No! The spreadsheet will adjust to your computer’s regional settings. If your computer’s region is set to USA then it will deal with dates in the US format. Most people’s will be set to UK, and so it will deal with dates in the English format. I would suggest you check your PCs regional settings and adjust it to UK if you are having problems with dates, because it will be system wide not limited to Excel (or this spreadsheet) so you should probably sort it anyway. It’s under Control Panel.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Do we have the CC spreadsheet ready yet ?

 

It is ready, however I'm not happy about making it available yet. It works out the sums as accurately as the existing sheets, but I'm not sure that this is really accurate enough. However making it more accurate is easier said than done because there are so many different rules for the various cards concerning things such as balance transfers, interest rates on purchases vs cash etc.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Mindzai,thanks for that.............if you only knew how much head ache that has caused me!!!!!!

On another note i quite liked the old compound sheets you had but the compound monthly sheet clicked out at no. 155 (ie the row) and even if i added more cells it would not go further than that no. even if i altered the iteraration no. which was set at 100 ?

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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Also Mindzai do you think it would be a cheek to add all those monthly account fees of £7.50 they keep charging you for ?

On the account balance column,i like to put a minus figure in red every time i alter the format colour to show this it reverts back to black ?

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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Hi,

At last I've got all the correct details of charges and balances. I've filled out the spreadsheet - total £1,279 charges. Total interest £1,867.03 - so the total including interest is £3,641.19. This seems big - the total is 3 times the original charges. Can someone direct me to a thread that might help me make sense of it all - or even offer to look at my spreadsheet? Really appreciate the help on here - just wish I had time to read EVERYTHING!|!!!! thanks

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I,ll pm you crystalcag

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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Afternoon,

 

I'm having a little trouble with my credit card spreadsheet, and i'm not sure if the figures are right!

 

I've been ok previously with a couple of card sheets, but this one seems to have an odd figure in the 'Penalties incurring interest column'. It seems to add up ok all the way until it suddenly takes the balance value, and i'm not sure why!

 

Is anyone willing to take a look please? It does it on vamps online, and also on the library excel spreadsheet.

 

Thanks

__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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Hi maangov,

 

Unfortunately you've asked your question in the wrong thread - this thread is for Mindzai's spreadhseet, not the forum's ones. Try posting your question here in the Spreadsheet with Interest thread. Hopefully somebody will be able to help you - I haven't sued the forum's spreadhseets so unfortunately I can't.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Hi there, I have been using excel the spreedsheet to calculate the interest on my bank charges. I have put in the interest amounts and the balance on the date of the charge but it doesnt seem to total up the total interest paid on penalties? it has only total it up on a few where the account balance is in minus figures, please help me thanks in advance :)

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Hi,Wilmslow,the interest will only kick in when the account is in -ve.

If at a date when the interest figure of the month is not in the red then put a -ive figure in at sum point in the month where it was in the red,because you want it to kick in every month if possible !!!!!

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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Hi Mindzai, just subscribing in anticipation of the release of the CC spreadsheet. Am waiting patiently :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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Hello Mindzai,

 

I've downloaded your excellent spreadsheet v1.9 and entered the charges. I've got a question regarding the interest side, we were frequently in excess of our overdraft limit when we would have been charged unauth.int. rate (29.8%). Sometimes though we would be within our limit and therefore would have only been charged at the auth. rate of 16.3%.

 

The unauth.rate on RBS w/s is 29.84%, do I put this in or just 29.8%?

 

Is there a calculation to work this out and if so, how do we do it? Am I wandering into far too complicated waters? I have realised that my claim is flawed by the way I initially worked out the interest (duh) and wish to correct it, obviously as accurately as possible.

 

Any help or thoughts on this appreciated!

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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Snoop,put in the 29.84% in the APR box in the notes section,click on the monthly box,then scroll down and hit the green side tab at the left bottom,click onto charges and interest,fill them all in then the spreadsheet will automatically work it out for you,bingo its easy as that.

If you pm me with your e-mail address i will send you a copy of how it looks.

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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Share on other sites

MINDZAI WHERE ARE YOU ?

I could really use the CC spready right now, i have my prelim written up (7 pages long) and all i need is the charges working out. I would really like to post this on monday..im not bothered if its not 101% accurate 97% will do fine....

 

man i need your help and quick :p

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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Hi all,

 

We've been extremely busy lately and have had limited PC access - and Mindzai has been very busy at work. He is going to upload a version of the credit card spreadsheet this evening. It is going to be as accurate at compounding the interest on charegs as his bank charges sheet, but the interest paid on penalties is going to be a bit of a risky area. It's impossible to accommodate every single situation with the credit cards so the sheet is probably not going to estimate the interest paid on penalties so well. So if there is anybody pursuing interest paid on penlaties then please bear in mind that the figures may not be entirely accurate.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Cant wait im ready and waiting for this evening :)

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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Right, the sheet is below:

 

Download v1.0

 

BE WARNED! I have not tested this as much as I would like. The interest paid on interest section is not as accurate as I would like due to the varying ways credit cards work. I will be working on this, but for now its not 100%. It should be as accurate as the existing sheets, but I dont claim it's as accurate as it could or should be. If you are not claiming interest owed on interest, then there should be no problem. The contractual interest on the charges themselves should be as accurate as the bank charges sheet.

 

Feel free to use this sheet, but do so at your own risk! If you do find any problems with it please let me know.

  • Haha 2

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Share on other sites

thanks man i will get to work as a beta tester :D

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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