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    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue). 4.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).  4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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thesergeant v Crapitol 1***WON***


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OK here I go again ................

 

Initial letter served on Crapitol, usual template plus good old Contractual interest ............

 

>>>

 

Contractual interest is applicable to my claim. I calculate that you have taken £673.00 which you have charged me in late payment and overlimit fees. I expect full settlement of my claim, the balance of which is £673.00, plus simple interest (34.9% equivalent to your current APR rate for classic card holders) of £965.84; Total owed: £1,638.84. I am enclosing a copy of the schedule of the charges which I am claiming.

 

>>>

 

No response as yet

 

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

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FAQ Section.... Use these links :grin:

 

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Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Guest Battleaxe

Good luck with your claim.

 

Capital One is as bad as the rest of them. Dont'e be beguiled if they try to deter you from making your claim. They have tried this with me, so it is off to court we go. The only way is to make them see you are serious about this quest.

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I have received the standard response letter from Robert Udy. They are in the right I am in the wrong and "I'm afraid we won't give you a full breakdown of our costs to reassure you they're fair." Blah blah blah - pitiful offer of £186 as goodwill gesture.

 

LBA on its way to them.:D:D:D:lol::lol:

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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  • 4 weeks later...

Dear all,

 

Had the usual mail from Mr Udy. Answer to LBA sorry but we dont pay out, have the £186 offer or nothing.

 

Ummmmmmmmmmmmm - No Deal :D:D:D

 

Attended Chelmsford CC with my claim today.

 

My N1 particulars are as below, I have added section 6 and an appendix with the Crap1 settled cases. Thought this may bring to the attention of the Court the fact that the banks are deliberately abusing the justice system to put customers off claiming. Any thoughts ??? :-):-)

 

>>>>>>>>>

1.The Claimant has an account ++++++++++, with the Defendant which was opened on or around 20th June 2001.

 

2. During the period in which the Accounts have been operating the Defendant debited numerous charges to the Accounts in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Claimant contends that:

 

a) The charges debited to the Accounts, as outlined in the attached schedule, are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. In the event that the charges are not a penalty, they are unreasonable under The Supply of Goods and Services Act 1982 section 15. The Defendant has declined to justify the charges.

 

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of The Unfair Terms in Consumer Contracts Regulations (1999) paragraph 8 and schedule 2(1)(e), The Unfair Contracts Terms Act 1977 section 4 and the common law.

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges in the sum of £682.00.

 

b) Court costs;

 

c) the additional costs incurred by the Claimant in the writing and sending of letters to the Defendant pursuant to this claim, and the statutory access request in the sum of £12.52, as set out in the attached list of costs.

 

d) the Claimant claims contractual interest at an annual rate of 27.56% per annum, from the date of each transaction to 21st February 2007, which is £760.37, as set out in the attached list of charges. The Claimant further claims interest, on the resulting total of £1442.37, at the same rate up to the date of judgement or earlier payment, at a daily rate of £1.09 per day.

 

e) The account’s Terms and Conditions specify the interest payable on unauthorised drawings from the account. The Claimant holds that this applies to unauthorised drawings by the Defendant as well as to unauthorised drawings by the Claimant. Should the court deem this incorrect, the Claimant claims the rate to be justified under the principle of mutuality and reciprocity, and is based on the Defendant’s purchase interest rate that would be applied under the terms of the above mentioned account.

 

f) Should the court find that this interest rate is not applicable, then in the alternative the Claimant claims interest under Section 69 of the County Court Act 1984 at the rate of 8% per annum calculated from the date of each transaction to 21st February 2007, which is £221.54 and continuing until payment or the date of judgement at a daily rate of £0.20.

 

 

6. The defendant has many similar claims litigating or in the process of doing so, on the same issue of contractual penalties. However not a single case has gone to a hearing. The Claimant attaches a list of 39 cases complete with County Court references, of which the defendant is aware since February 2006, all being settled before hearing. The Claimant believes the actual number of cases to be far higher however the attached list contains those cases where sufficient information is known in the public domain. The Claimant believes that the defendant in the instant case has no intention of going to a hearing. The Claimant further believes that the pattern of cases settled so far suggests very strongly that the defendant is merely using the justice system as a publicly funded means of intimidating their customers who pursue legitimate claims to dissuade them from pursuing their legitimate Right. The Claimant submits that this is an abuse of the justice system and of the public resource.

 

 

 

I believe that the contents of these particulars of claim are true

 

~>>>>>>>>>>>>>

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Brill...will be watching with interest ;) No pun intended !!!

 

Have just received statements from an old Cap 1 account which my hubby had, His charges total 354.00 but if I add contractual interest, it jumps up to 813.04!!

Have been toying with the idea of claiming cci rather than the basic 8%, as you'll see from my thread.

Figure I may as well start higher then I could always accept less.

Good luck with it anyway ;)

Tippety toeing where angels fear to tread .... :o

 

Hey and I thought of that all by my lonesome :cool:

 

1st Data Protection Act letter Halifax - 30th Sept 2006

 

Non compliance letter sent 23rd November 2006 :mad:

 

Preliminary request for repayment sent 11th Dec 06

 

Reply from the Halifax stating that they're investigating my concerns!!!.... Rec 15th Dec 06

 

LBA sent 30th December 2006 :mad:

 

Offer from Halifax of £814.00 - 5th January 2007

 

Rejection of Settlement Offer - 6th January 2007 ;)

 

Papers filed at Court - 29th January 2007

 

:) Settled in Full, 16th March, 2007

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  • 3 weeks later...

Crap1 acknowledged my claim, but failed to state whether they were defending all or part of it.

 

I look forward to accepting any partial offer and pursuing the remainder :D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Good old Capital One have not responded to the Courts request for clarification.

 

Therefore I have requested judgment against them .............. :D

 

Lets see if that shakes them up !!! :smile::smile:

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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:) GOALA :)

Good old Crap1:razz:

 

Letter received today, not surprising as I sought judgment against them two days ago.

Lovely letter from Graham Daley from the executive Office. They deny everything and I should accept that it is clear that I have no claim against Crapital One. (Yeh right:cool:)

However (here we go) after reviewing my request (??) the can confirm that my calculations are incorrect. Blah Blah, prepared to offer, blah blah.

We have paid into your account £1205 to settle this matter, please tell the court and leave us alone, close your account if you want. It brings a tear to my eye, poor things:razz:.

Any way problem is they don't realise that it's a "partial" settlement yet. My claim stands at £1580.81 + £1.09 per day.

 

Their figures are all over the place, and the letter has the wrong claim number attached

 

ANYONE OUT THERE GOT CLAIM NUMBER 7QZ01525 ?

So Crap1 I'm still after you for my £375.25 + £1.09 per day

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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:) GOALA :)

 

Good old Crap1:razz:

 

Letter received today, not surprising as I sought judgment against them two days ago.

Lovely letter from Graham Daley from the executive Office. They deny everything and I should accept that it is clear that I have no claim against Crapital One. (Yeh right:cool:)

However (here we go) after reviewing my request (??) the can confirm that my calculations are incorrect. Blah Blah, prepared to offer, blah blah.

We have paid into your account £1205 to settle this matter, please tell the court and leave us alone, close your account if you want. It brings a tear to my eye, poor things:razz:.

Any way problem is they don't realise that it's a "partial" settlement yet. My claim stands at £1580.81 + £1.09 per day.

 

Their figures are all over the place, and the letter has the wrong claim number attached

 

ANYONE OUT THERE GOT CLAIM NUMBER 7QZ01525 ?

 

So Crap1 I'm still after you for my £375.25 + £1.09 per day

 

Mine had a 7 instead of a 6 in the claim number, prats.

 

Hold out for the full amount.

 

They will pull out and settle soon.

 

Tanz

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Rejection letter sent

 

>>>>>>>>>>>>>>>>>>>>>>>>>>

Dear Graham Daley

Thank you for your letter dated 15 March 2007.

You may be unaware that you have failed to acknowledge my claim against you. The Court wrote to you requesting clarification of your acknowledgment but you failed to respond. As such I sought judgment against you on 15th March 2007. I also note that your letter of 15 March states an incorrect Claim Number.

I respectfully decline your offer of settlement and request, one final time, that you return to me all charges, contractual interest and costs imposed on this account and my subsequent claim against you, totalling £1580.81 (as of 17th March 2007), with an additional daily rate of £1.09 accruing.

In order to avoid Litigation against you (and waste valuable Court time), I am prepared to temporarily accept the sum offered and paid into my account as partial settlement on the clear understanding that the remainder is paid, totalling £375.25 (as of 17th March 2007), within the next 10 days. As a gesture of goodwill, if you pay this amount within this time period I will not further apply the accruing daily rate of interest. However, failure to comply with this request will result in my claim and subsequent Court action continuing, as detailed in my Letter Before Action and particulars of claim.

 

If you do not accept my conditions for acceptance, or you do not respond within 10 days, the money transferred to my account should not be viewed as my acceptance and I hereby authorise you to remove this sum accordingly.

 

I trust this clarifies my position.

>>>>>>>>>>>>>>>>>>> >>>>>>>>>.

 

I'm sure that if I offered them 75% of what I owed them and tried to get them to accept it as full payment I'd get a similar response ................

Thank you Crapital One :D:D:D

 

 

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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  • 2 weeks later...

OK I have a bit of an update.

 

My local court is over stretched and are very slow at getting anything done. Crap1 did send another acknowledgment but I believe it was out of time.

 

They have not replied to my rejection letter. Yesterday I received my cheque for £926.89 which arrived as a remittance advice with no letter (bad losers).

 

As per the terms of my rejection letter I will accept that as partial payment. I am still determined to hold out for the remaining £375.25.

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Good for you!!!

 

My position is very similar just a couple of weeks behind you, so I'm watching you with interest! I'm also claiming contractual interest (charges £558 & interest & court fee brings it up to £955) and Cap One also didn't get my court action replied to within 2 weeks, so yesterday I filed for judgement at the court.

 

Twiddling my thumbs excitedly here ... dum de dum de dum :D :D

Apple x

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I thought, poor old Crap1, they deserve an Easter present ....... so :D:D:-

 

Claim number – 7CM00612

Account XXXXXXXXX

 

Dear Executive Office,

 

I note that you have not responded to my letter of 17th March 2007.

 

Therefore I have accepted your partial payment against my claim on my terms, which you have accepted. Your partial payment will clear my account on 10th April 2007.

 

 

In my letter of 17th March I offered you, as a gesture of goodwill, the opportunity to pay the outstanding amount within 10 days without daily interest accruing. You failed to do this.

I have notified the Court that I believe that your second attempt to acknowledge my claim was out of time and that I therefore request the judge to consider issuing judgment against you. I have also notified the Court that I have accepted your partial payment and that my litigation continues for the outstanding balance.

I know that you wish to avoid my continuing litigation against you (and the resultant waste of valuable Court time) and I wish to offer you another opportunity to settle this matter. I calculate that the daily interest applicable to my claim now stands at a further £16.35 (as of 2/4/07). Therefore the remaining payment I require is £391.60. As a gesture of goodwill, if you pay this amount at the latest by the close of business on 16th April 2007 I will not further apply the accruing daily rate of interest. However, failure to comply with this request will result in my claim and subsequent Court action continuing, as detailed in my Letter Before Action and particulars of claim.

 

I trust this is an acceptable way for you to end this matter and avoid the accrual of further costs against you.

 

  • Haha 1

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

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My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Thanks Tanz,

 

Have written and spoken to the Court this morning.

 

The judge has decided that Crap1 acknowledged out of time and has issued judgment again them.:cool:

 

So its time to pay up the rest, or the bailiffs :D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Linzi, initial letter sent to Crap1 5th January 07

 

Doo, thanks its their own inefficiency that has landed them here :rolleyes::rolleyes:

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Share on other sites

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