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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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      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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calculating interest is doing my head in!


neathboy2
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Hi guys

 

The APR has nothing to do with the Interest rate, the APR is the Annual percentage Rate and is there just to reflect the true cost of borrowing. The APR is shown on credit agreements (fixed sum or running account) on fixed sum the APR is calculated using the Interest charges and any other charges and is a known comodoty. On running account the APR is an assumed calculation. Credit card agreements and overdrafts are running account agreements, Loans HP, Conditional sale are fixed sum agreements.

 

Do not let the APR confuse you, you will find it difficult to work out the amount of interest using the APR because you may not know what charges have been factored into the calculation.

 

You need the rate of interest to work out the amount of interest. If the rate of interest is not shown on your agreement then the agreement is unenforcable.

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Hi Brad,

Im not sure about payment protection interest and cash interest so wouldnt like to quote on that as I have only ever been charged Purchase interest.

What spreadsheet are you using as it should do it all for you? I would also suggest you phone Cap 1 and ask what APR they are applying to your account (there is a way to check they give you the correct info).

 

You may find this thread useful if you havent already seen it. It is very long but worth it.

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html

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Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi Sonja, think I've finally got it...I'm using spreadsheet 16 (throughout claim with compounded interest). It's a bit funny, on the leaflet they sent me with my new card it said the interest they were charging is 34.9% (gulp!!!) and on their website it said the same, but on the statements it says the monthly interest is 1.67%, which obviously equates to 20%.

 

I've changed the interest rate at the top from 8% to 20%. Is that correct?

 

By jove I think I've cracked it....maybe

 

Thanks again for your help

"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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Cheers Tanz, will Bill mind me pm'ing him out of the blue?

"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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buggar...just eaten my banana

 

wonder if he'll let me owe him..i'm good for it...kinda

"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 guys

 

The APR has nothing to do with the Interest rate, the APR is the Annual percentage Rate and is there just to reflect the true cost of borrowing. The APR is shown on credit agreements (fixed sum or running account) on fixed sum the APR is calculated using the Interest charges and any other charges and is a known comodoty. On running account the APR is an assumed calculation. Credit card agreements and overdrafts are running account agreements, Loans HP, Conditional sale are fixed sum agreements.

 

Do not let the APR confuse you, you will find it difficult to work out the amount of interest using the APR because you may not know what charges have been factored into the calculation.

 

You need the rate of interest to work out the amount of interest. If the rate of interest is not shown on your agreement then the agreement is unenforcable.

 

 

Ahh right...thanks Robert, that makes more sense. So basically, I ignore the APR and just calculate the interest from the monthly interest rate on the statement.

 

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 Brad,

Your APR will be 21.99% based on monthly rate of 1.67%. You cant just multiply the monthly rate by 12 as this does not give you the proper CCI figure. I have just typed your monthly figure in Mindzai's spreadsheet and it comes up as 21.99% so this will be the correct rate. Initially I multiplied monthly by 12 and Bill confirmed this wasnt correct.

HTH :)

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Once again, thanks Sonja...your help has been invaluable :) could you post a link to mindzai's spreadsheet if you get a chance please?

 

I hate not being able to understand things...I've finally grasped how the CCI is calculated, so I'm getting there (very) slowly, but surely.

 

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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http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

This is only for claiming CCI from banks you cant use it for credit/store cards but it works out the APR from your monthly amount when you enter it, so is handy to have until you need to use it for banks.

 

P.S. Ive linked in to your current thread so probably best to stop hijacking this one or you may get told off! Feel free to PM me if you get stuck with the spreadsheet :)

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Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi guys, haven't been on line for a while but just flicking through to see how its all going. Looking at the threads I see that Redsonjia calculated Brads cci as 21.99%. That looks right as I worked mine out at more or less the same and claimed 21.9% with my MCOL using vampiresses spreadsheet 13. Latest from capital one is that they've again made the same offer of £107.00 to which I have n't replied as this second offer was made after I filed the MCOL. Capital One have replied indicating that they intend to fully defend the claim so i'm awaiting their 28 day response. Will update when I hear anymore - watch this space!!! :rolleyes: :rolleyes:

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  • 2 weeks later...

HAPPY DAYS another result for the good guys. Received a letter from a Graham Daley from the executive office of Capital One today agreeing to pay £765.42 as a full settlement of the claim. Very pleased with this result particulary as the claim included the compound contractual interest at 21.9 % . My advice to other people considering to claim cci is go for it your entitled to claim it and using vampiresses spreadsheet 13 made the whole process relatively stressless. Thanks to everyone on here for their assistance, help, and advice throughout this claim a donation to this forum willl definately follow. :grin: :grin: :grin: :grin: :grin: :grin:

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Congratulations Neathboy!

Good for you for sticking to your guns!

Well deserved.

Just one quick question, did you fit all the POC on MCOL?

Im just completing my N1 ready to post to court tomorrow.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Thanks Redsonja i'm chuffed with that result . I did all the claim on the MCOL eveything was included kept it all quite basic and it worked well without any problems. I initially had the expected response from Capital One indicating that they intended to defend the claim but then paid up in full within a mater of 2 weeks or so. Stick with it and good luck with your claim GO GET EM :grin: :grin:

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neathboy, what a great result, hope mine goes as well as that, am also doing N1 Monday (hopefully) but mine includes default as well, so will probably take a bit longer. Gives us all hope when another succesful claim comes in.

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HAPPY DAYS another result for the good guys. Received a letter from a Graham Daley from the executive office of Capital One today agreeing to pay £765.42 as a full settlement of the claim. Very pleased with this result particulary as the claim included the compound contractual interest at 21.9 % . My advice to other people considering to claim cci is go for it your entitled to claim it and using vampiresses spreadsheet 13 made the whole process relatively stressless. Thanks to everyone on here for their assistance, help, and advice throughout this claim a donation to this forum willl definately follow.

 

Nice one neathboy result. Your :lol:

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Doo ,

stick with it your nearly there once they get the county court notice that your claiming against them they will pay up despite telling you all along that they are right and you are wrong. When it comes to face the music time they will cave in because they know they have been wrong all along. Good luck with your claim.

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thanks for that neathboy2, there have been a few negative comments lately on claiming CCI, but like you am giving it a try - always good to hear a successful claim.

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No problem DOO

we all need that little bit of reassurrance especially when we're embarking on something that is a little unfamiliar to us. Keep on going you will get the result. -- Go get em :cool:

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congratulations Neathboy

 

Enjoy the money

"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 all, ive just calculated all of my charges the and total is £400 dating back 3 years, ive done a spreadsheet for compound charges at 21.9% and the charges total £309.75 making a grand total of £709 75 is this right or am i doing something wrong.

 

 

Advice would be grateful

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sounds ok to me. Probably best to start your own thread though and maybe post a few lines from the spready on there and we can check it for you.

If you PM me a link to your thread I will have a look for you

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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