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    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
    • How about -     Dear Will & John,   Re: your reference XXXXX, vehicle registration XXXXX   cheers for your Letter Before Claim.  I rolled around on the floor in mirth at the idea you thought I would actually take such bilge seriously and then cough up.   Now you know and I know and now you know that I know all the reasons why these residential parking claims are utter pants.   Your thicko client, UKPM, have been hammered in court so many times in these cases, but if they haven't learnt their lesson and want another thrashing, fine, bring it on.   I see the government this week dropped tests for fully-vaccinated travellers returning to the UK, so if your client is daft enough to take me to court then I will delight in tolchocking them, then obtaining an unreasonable costs order under CPR 27.14(2)(g), spending it all on a foreign holiday, and then laughing at your client's expense while I down my aperitivi.   I look forward to your deafening silence.   COPIED TO UK CAR PARK MANAGEMENT LIMITED     Gladstone's and UKPM are well aware of where these letters originate from and that they would have a real battle on in court, so lately have always run away ... although of course there are no guarantees.   However, hang on through tomorrow and see what the other regulars think.
    • 'Walk the ice, take risks and do it quickly'View the full article
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sweeney99 v halifax


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just thought i would say hi to everone and say thanks for all the detailed information available on the site. I am just about to start the hmcs online claim, and just wanted to clarify the interest charges. I initially split the claim into charges and interest, i attached spreadseets listing both. I took the charges and interest charges from my statements, was this correct to do so? is the 8% interest calculation an additional charge? or do I just calculate the intereste charges by using the spreadsheets provided in the templates? I know the answer is prob staring me in the face but just thought I would check before I post my claim tomorow. Thanks in advance for any help.

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You're probably right about things staring you in the face, but they are not always obvious! I always check back to Step-By-Step Instructions and see if I missed anything.

 

I take it you detailed 'charges as notified' and 'interest as notified' in the two sheets - that's OK, if you used your own spreadsheet then it will not calculate the additional 8% you can add in at court claim stage.

 

Use the template provided - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html - and cut/paste your figures to this - it works out the interest for you.

 

That's what you need to print and supply in future, as it's going to show the total of your claim including the 8%. Most people say you need to send copied of this to Northampton to support your claim, I'd be tempted to post one direct to the Hx as well - once you have your case number you can add on.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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can anyone help with the interest calculation spreadsheet?

i have tried using the complex spreadsheet (Copy of From claim date with statutory interest) the figures for the bank charges look fine but how do i calculate the average overdraft ammount? alternatively do I just use the simple versions for the charges and for the interest? any help much appreciated

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Go for the simple one, much easier. All you need for now is a total of the charges, you don't add the 8% until the court stage, and even then - the simple one does it for you.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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so do i use the simple spreadsheet for the charges and the interest charges? i am about 2 file against them today. In my original letter to the halifax i went through all my statements and split the claim into 2 parts as suggested 1) bank charges and 2) Interest.I used the figures for both that were on the statements.Do i now have to work out the 8% on both the charges and the interest? and do i use the simple spreadsheet twice? once for the charges and once for the interest? or am i making it more complicated than it should be? i feel like i cant see the wood for the tres again today!!!

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I just used the one spreadsheet, copying their info over with date and 'Charges as notified' or whatever. I added any additional 'Interest as charged' at the bottom, but ended up with one total. That was good enough.

 

The 8% will be calculated as you go, but when you print off a copy to send with your claim you need to highlight the area to print, without that column.

 

Or, another way is to highlight the bits you want to print and cut/paste to another page and then print. You can then delete the 8% column if you wish as it's only a copy. I was able to save the original spreadsheet to my own computer by using 'Save As' If you just click 'Save' it will not work.

 

All you should have is a table showing the date, description of charge and amount of charge, with a total at the bottom. Send that with your claim letter and get the ball rolling.

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Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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so its ok 2 do spreadshets 1 for charges and 1 for interest then add them together? its going 2 be a pain inserting the interest dates into the charges from my spreadsheets. just dont want to complicate things or make silly errors

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Just the one will do - tag the Interest charges on the bottom, above the total line - it sort of keeps them seperate then.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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this is the wording that appeared when i ticked the yes box it is slightyly different to the wording on the site? link attached

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}. which should i use?

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just realised after filling in the claims online i havnt been asked to attach any files backing up my claim?

did i miss something? should i have downloaded the spreadshets along with the online claim?

or do i have to print them off and post them to the court& halifax?

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You need to post the spreadsheet(s) confirming your charges plus 8% interest to Halifax.

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17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement from the court and then send a copy to the bank’s solicitors, since they are the ones who

will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

Yours sincerely,

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  • 3 weeks later...

another victory £2330.26 charges £342.5 interest total £2672.76, there is £ 117.04 new charges and interest since i filed claim should i phone them and ask them to also refund this or do i need to file a new claim? might sound petty but i really dislike the way the halifax is run!!!! no thought for the customer at all. do i need to get written conformation before i stop the court action?

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You could phone and ask, but they'll say no. They reckon that they have paid 'full and final' settlement and any further charges stand, but all you do is start a new claim. They tend to play silly beggers about this and threaten to close accounts, but will still cough up.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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