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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
    • gives them a feeling of grandeur. dx  
    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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    • If you are buying a used car – you need to read this survival guide.
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      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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m1984 Vs Lloyds TSB *** WON ***


m1984
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Hello, im new here. Iver been reading through as much info as i can about claiming back my bank charges. Just wondering if someone can give me a view quick answers to my questions:

 

Is it better to open a new account before i send the preliminary request letter?

 

Has anyone banking with Lloyds ever had their account shut when a settlement has been made?

 

If my account was once a joint account but now a sole account can i claim back alone or do i need the other person involed?

 

I am claiming over £1000 back, but currently am quite a way into my £1000 overdraft, will this matter, do i have to pay this back first?

 

I may have missed these in other threads, if so sorry!

 

Thank you for your help.

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Hello, im new here. Iver been reading through as much info as i can about claiming back my bank charges. Just wondering if someone can give me a view quick answers to my questions:

 

Is it better to open a new account before i send the preliminary request letter?

 

Has anyone banking with Lloyds ever had their account shut when a settlement has been made?

 

If my account was once a joint account but now a sole account can i claim back alone or do i need the other person involed?

 

I am claiming over £1000 back, but currently am quite a way into my £1000 overdraft, will this matter, do i have to pay this back first?

 

I may have missed these in other threads, if so sorry!

 

Thank you for your help.

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Hi,

 

Hope this helps

 

Is it better to open a new account before i send the preliminary request letter? - Yes, this would be the best move.

 

Has anyone banking with Lloyds ever had their account shut when a settlement has been made? - Not sure, my claims are against HSBC and Barclaycard, I would advise searching through the Lloyds Bank Forum

 

If my account was once a joint account but now a sole account can i claim back alone or do i need the other person involed? - I have read that if you have responsibility for the account whether it is joint or not, then you can claim back alone.

 

I am claiming over £1000 back, but currently am quite a way into my £1000 overdraft, will this matter, do i have to pay this back first? - No, the amount you are currently overdrawn doe not affect a claim

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Im confused again lol! its said that you dont need the 8% until it goes to court, so why is this in the prelim letter? so if they were to offer me a settlement in full before it went to court, they would offer my total less 8% is that right??

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Hi and Welcome :)

Lloyds don't usually close accounts, but as the previous poster said it is a good idea to open a new one "just in case". I would send your preliminary letter now, and look into opening a new account while you are waiting for the 14 days.

The part about the interest in the prelim letter refers to overdraft interest, not the 8%, this is only added on when you start the court claim. If they settle before it gets to that stage, you don't get the 8%.

Online statements are fine.

Hope this helps!:)

Good luck!

Barty:)

  • Confused 1

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Sorry about this, just need to check so in my prelim letter my total charges are £1210, so how much is the interest for that. I have used the spreadsheet to work out the 8% interest which is £133.80 is that what i put??

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I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

I understand i cant put the 8% column in when i send the prelim letter, its the above paragraph in it i am confused by within the prelim letter, how do i work out the interest charged for this bit?

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

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  • 2 weeks later...

great

keep us posted :)

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 3 weeks later...

Hello, well yesterday was the 14 day deadline for the response to my LBA. I am going to give them until today when the post arrives and then will take the next steps, which i suppose is starting the claim!

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oh and just remebered two days ago they tried to charge me £30 for going 0.83p over my overdraft. i called up and complained and they wiped the charges but said i would not be able to have charges withdrawn for another 12 months now!

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Ok ive filled in the N1 form and have looked at the court fees and once again got confused!! It says for less than £1500 claims - no fee but also says for claims between £1000 and £5000 - £120 fee. SO i was going to write a cheque for £120, is this correct?. DOes the court take this money instantly and will i get this back if the bank refunds me before attending court? And then iam to take the form and cheque to my local courts. Can someone confirm i am doing this right? thanks

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