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    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
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LLoyds have just offered £750 refund vice £3500


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Thanks for that advice and link to the letter. I will use that template and reply tomorrow. I assume they will not take it as a part settlement. Sorry I'm not as regular on this great site - I'm away on businees alot and have little time to catch up and join forums. Once again many thanks - miinnienee.:(

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Thanks for that advice and link to the letter. I will use that template and reply tomorrow. I assume they will not take it as a part settlement. Sorry I'm not as regular on this great site - I'm away on businees alot and have little time to catch up and join forums. Once again many thanks - miinnienee.:(

 

 

thats funny lloyds tsb just offered me £750.00 to after telling me that they was not going to pay any back at all

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Thanks for that advice and link to the letter. I will use that template and reply tomorrow. I assume they will not take it as a part settlement. Sorry I'm not as regular on this great site - I'm away on businees alot and have little time to catch up and join forums. Once again many thanks - miinnienee.:(

 

its cool when you have the time you should read as much as you can

also ask any questions you need to people will be able to help if you are not sure of things.

 

good luck with your claim and have a good xmas. you will get your mony back

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hi

funny but thats what they have offered me and i am just going down the small claims route. my claims is for nearly 3000 as well, must be standard amount they offer

 

Must be! They sent me the same today as well and my full claim is only £1600. Reading some of the other posts on here, TSB have paid a bit out this last few days!

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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  • 4 weeks later...

I also received a letter on friday the 12-1-07 saying they will credit my account £750 in the next few days. This is a good will act my behalf of the bank and does not affect your right to claim full money back from them. If they are not in the wrong why offer this money.

 

I am filing court papers this wednesdy 17-1-07.

 

Can anyone give me advise of what to do now ?

 

How has had joy with Lloyds TSB.

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I would guess it is partly because you then lose the right top claim statutory interest on that £750, but mostly in the hope that you will be satisfied that you have some money and just drop the action.

 

My advice would be to absolutely and completely refuse any offer from lloyds unless it is the FULL amount owed, including any interest.

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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I am still charging Lloyds the statuary interest which makes my claim nearly 5K. When this goes to court, and my charges are given back, they will take into consideration the £750 they have already given me. And deduct it of the final figure. I will also put court charges on top of that.

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I am still charging Lloyds the statuary interest which makes my claim nearly 5K. When this goes to court, and my charges are given back, they will take into consideration the £750 they have already given me. And deduct it of the final figure. I will also put court charges on top of that.

 

You cannot claim statutory interest on the £750 unless your claim has already been filed. If they repay it before you file your claim you cannot charge them statutory interest on it.

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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Hi Everyone - I'm in the same situation. Lloyds have also offered me the £750 repayment which I have thanked them for while continuing my claim. I'm very confused about how this now affects my schedule of charges and the interest.

I have had a response to my own thread confirming that we cannot claim interest on the £750 and need to remove the charges and interest from the schedule. I saw somewhere else the following guidance 'divide 750 by the number of charges and take that off each charge e.g. 750/30 = £25. £25 to be taken off each charge.

 

How should this be done in practice? Should it be evident on the schedule that there has been a £750 repayment? Has anyone done this?

Regards, Seesaw :)

 

04Nov06 Registered with CAG, completed S.A.R - (Subject Access Request).

06Dec06 Statements received.

08Dec06 Sent pre-lim letter requesting repayment of £1615 with schedule of charges

23Dec06 Received initial rejection response from recovery centre.

30Dec06 LBA sent with schedule of charges

12Jan07 £750 partial settlement offer received

14Jan07 Rejection settlement letter sent

19Jan07 N1 Claim filed at county court

09Feb07 Acknowledgement of service from Lloyds

19Feb07 Notice that defence has been filed & AQ provided

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no you don't lose the interest on the £750! who said so? You include interest on the whole amount despite them reimbursing the £750 charges.

 

I think you'll find that s69 statutory interest is only applicable once the claim is filed. You are not claiming for the £750, therefore you cannot charge interest on it. You charge 8% statutory interest on the amount you are claiming for only.

 

Contractual interest is a different matter of course.

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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Hi Everyone - I'm in the same situation. Lloyds have also offered me the £750 repayment which I have thanked them for while continuing my claim. I'm very confused about how this now affects my schedule of charges and the interest.

I have had a response to my own thread confirming that we cannot claim interest on the £750 and need to remove the charges and interest from the schedule. I saw somewhere else the following guidance 'divide 750 by the number of charges and take that off each charge e.g. 750/30 = £25. £25 to be taken off each charge.

 

How should this be done in practice? Should it be evident on the schedule that there has been a £750 repayment? Has anyone done this?

 

Yes the most accurate way thatyou could reasonably be expected to use would be to divide the repayment by the number of charges and subtract the result from each charge as you say. I would include the original schedule (before any changes), then also include an updated schedule showing each charge has been reduced, and of course use the figures from the updated schedule on all paperwork.

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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Iam Going Through A Claim With My Freind And They Too Have Offered Him The 750 As Full And Final Settlement And His Claim Is For 1600,(of Course He Is Refusing)

Makes You Wonder If This Is A New Tactic To Confuse And Save On Interest On Final Outcome,especially If They Pay Into Your Account,

Their Not Losing Out As Much In The Long Run And Could Win In The Short,also It Keeps Sachiai And Co From Piling Files Up On Their Desk...how Many Of Us Are Going To crumble .stay Focused All.

 

 

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Can anyone help me. If I touch the £750 that Lloyds sent me does it affect my claim in the small claims court.

 

Also when I claim for £4595 in the court do I add the interest on at 8% then take of the £750 that has already been paid.

 

How do you figure out the interest rate. I read that you add on interest from the first time the bank took money out of your account.

 

Please help completly confused.

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I have also been offered £750, this was put into our bank last week, I filed in court for the full amount over £11000, the next day, not yet realising - (although my husband knew) the £750 was in the account, and the money was actually available.

I am now a bit worried that this will complicate matters for me at the court. Do I make an ammendment at the court now that I know? or just wait and see what LTSB do next?

I was advised to take the £750 from the most recent charges so that it does not affect the interest that I am claiming too much.

meaning I think that I would not be able to claim interest on the £750 charges that they refunded as this was before the court papers were filed.

Does this make sense?

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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my wife has just been offered £170 against "600 by lLloyds. She is using th Obudsman for thge moment. They phoned her about this offer and they were not happy so they are going back to further sort things out. If they cant get the correct ammount to court we shall go

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