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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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    • 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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  • 1 month later...

Ok I got my statements but I'm a bit stuck...reading through the FAQ and POSTS it is clear that statutory 8% interest is not charged until court proceedings....but.....can i charge compound interest (contractual or not) at the Prelim letter stage and beyond upto court proceedings.

 

And if I can and it reaches the Court do calculate 1. Bank Charges + compound interest + 8% statutory interest.

 

or

 

2. Bank charges + 8% statutory interest.

 

or

 

3. Bank Charges + compound interest throughout?

 

Some Clarification on this point would be excellent....if this information is to be found, I have not found it and I apologise for my inepititude.

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Ok.

Sitting quietly?

then we'll begin.

When you get charged, the charge goes onto your balance.

therefore, if you are overdrawn, you will be paying interest on those charges. You can claim these back, the spreadsheet works this out for you.

When you get to court stage, you can add on 8%.

 

ok, so thats the simple method.

 

Some people have been adding on contractual interest on from the start.. if you claim this you will not charge the 8% at the end (so it is an alternative to the 8% not additional to). I know this is complicated, and many just stick to the 8% and not bother with the contractual.

 

If contractual side of things interests (no pun intended) you take a look at

Why is no one claiming the contractual rate of interest???

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Have drafted Prelim letter including contractual interest and schedual.

 

I would appreciate any comments you have

 

 

Dear Sir/Madam

 

My Account Number: ********

 

Request for repayment of charges

 

My request

 

I am writing to ask you to refund to me the charges, which you have levied from the above noted account since October 2001.

 

I now understand that the regime of fees which you have been applying to my accounts in relation to direct debit refusals, exceeding credit limits, unpaid minimum payments on time and so forth are unlawful at Common Law, Statute and recent consumer regulations.

 

If you say that they are not, then will you please demonstrate this by providing me with a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

 

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

 

 

Your responsibilities

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my accounts. 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 accounts in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that you have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

 

I calculate that you have taken £322 in unlawful charges from my account. In addition to this, I also request that you refund me £216.33 in contractual interest, which I have calculated as of the date of this letter at a rate of 19.25% APR as set out in the attached schedule of charges. I believe this rate to be justified under the principle of mutuality and reciprocity: it is based on your standard rate for purchases that was applied under the terms of the above-mentioned account between the period of October 2001 and September 2006. Therefore the Total Amount I am claiming is £322 + £216.33 = £538.33. I enclose a schedule of the charges applied to my account for which I am claiming with this letter.

 

My targets to resolve this matter

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and informing me of the date by which I will receive full payment.

 

If you do not respond, or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully

 

 

Schedual of Payments: Claim Date 01/02/2007

 

Overlimit fee £18 5th October 2001 Interest £32.19

Late payment fee £18 14th November 2001 Interest £31.14

Overlimit fee £18 15th November 2001 Interest £31.12

Late payment fee £18 15th April 2002 Interest £27.36

Overlimit fee £18 15th August 2002 Interest £24.53

Overlimit fee £20 30th April 2003 Interest £21.25

Late payment fee £20 29th January 2005 Interest £9.43

Overlimit fee £20 8th March 2005 Interest £8.85

Late payment fee £20 27th December 2005 Interest £4.71

Overlimit fee £20 28th January 2006 Interest £4.29

Late payment fee £20 28th January 2006 Interest £4.29

Overlimit fee £20 21st February 2006 Interest £3.99

Late payment fee £20 27th February 2006 Interest £3.91

Late payment fee £20 3rd April 2006 Interest £3.48

Late payment fee £20 1st June 2006 Interest £2.76

Late payment fee £20 2nd Augustl 2006 Interest £2.03

Late payment fee £12 2nd September 2006 Interest £1.00

 

Charges = £322 Interest on charges= £216.33 Total Claim= £538.33

 

Interest rate = 19.25% APR

 

 

 

 

What do you think?

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Looks good to me.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Hi Template, if you don't mind me asking...how did you calculate the contractual interest? I've been racking my brain for days on this now (which is fairly painful). Did you calculate the number of days since the offence and up the interest rate from 8% to 19.25? I've tried that and it doesn't seem to work.

 

Cheers

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Hi Template, if you don't mind me asking...how did you calculate the contractual interest? I've been racking my brain for days on this now (which is fairly painful). Did you calculate the number of days since the offence and up the interest rate from 8% to 19.25? I've tried that and it doesn't seem to work.

 

Cheers

Hi Brad I just used the contractual spreadsheets found in Vampiress Google Spreadsheet Chambers

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