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    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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

How do I calculate what figure I put in here?

If there are 8 charges in any one month, what figure do I put against eahc charge in this column?

 

Treat the colums as seperate information ... ie charges on one side ... interest on another.

 

list all charges seperately against the date they were taken .(on the left) .. then the interest (which is only taken once a month) goes in the other column (on the right)

 

Hope this makes sense ... it's all confusing at first but once it clicks it clicks!! :-)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Destiny (& Chez !!) - Sorry for delay - been a bit busy. I got the spready and it is fine. The figures are correct in columns A to E, so well done.

 

It looks like you've got the idea in columns F & G, too, so keep going with those.

Column F: This is the date that the monthly overdraft interest was actually debited from the account.

Column G: This is the total amount of monthly overdraft interest actually debited on the date in F.

Column H: Take a look at the account balance on the statement for that month, and make a rough, but reasonable guess as to how much the account was overdrawn by most of that time. If in doubt, then just put the overdrawn balance at the date given in F.

Column I: Leave blank unless there was a level of interest-free overdraft on the account. If you're not sure, then leave blank.

Columns J & K work themselves out as you go along, so DO NOT put anything in these.

 

Chez - thanks for explaining things to Destiny, here !! :)

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Sorry I went out & have only just got back on here tonight ... hope you are sorted now DOS ... I've used the spreadies from the Vamps chambers in google ...where Bill is known as Batty! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Sorry Chez !! It's an Excel version of the same sheet. :)

I've been posting this up everywhere I can:-

 

Just an announcement from Batty Bill here. Vampiress has announced that her Google Chambers will be closed for a while, as they are undergoing a "Re-Vamp"

Mindzai's spreadsheet will not be affected by this, and should still be available.

 

For those needing compound interest spreadies, this is available for download, along with Excel versions of Vamp's Recommended #5 and #16 spreadies here:

 

http://www.cagmembers.go2.to/

Spready guide:

http://www.consumeractiongroup.co.uk/forum/post-50088.html

 

Beginners' Steps:-

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Spready's looking good, Destiny. Not sure about wins of this amount - some mods will know, I'm sure, so maybe we'll get an input on that, later. Once we've got a spready finished and checked, I would like to ask Vamp to look in on this, and also ask if BF can think about taking this on as a "Cause Celebre."

 

I believe this should be settled by the bank early, as the adverse publicity of taking it to court will do them no good. But we must be prepared to negotiate, too, if we want early settlement, IMHO.

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Hi Guys! Bill I didn't realise you had downloaded the google sheets into excel mate! Whenever I've tried to export from the chambers it always messes up the formula etc so I just use/store them online now - works fab for me that way!

 

DOS glad it sounds like you're finally sorted with your spready ... the contractual interest certainly increases the claim doesn't it!

 

Good luck & well done so far! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Well done on completing the spreadie guys!

 

I don't know if it helps but, I have a claim about to go in for around 10k, most of which is C.I. The banks have been paying out large amounts with simple interest and I have a feeling that the way it will go with this is that they will pay out the charges + 8% and consider that to be the end of the matter. However, none of them seem to have a credible defence to the contractual argument so, with the fantastic work that is going on in other threads I am hopeful that eventually, they will pay out.

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Bill,

That's it, the s/sheet is complete now.

Sorry, I thought it was still an unfinished symphony, as there were interest charges only from line 16 to line 45. It's just dawned on me that this is ALL the interest charges! OK - I'll re-check it, now.

Hi Guys! Bill I didn't realise you had downloaded the google sheets into excel mate! Whenever I've tried to export from the chambers it always messes up the formula etc so I just use/store them online now - works fab for me that way!

Aaaw - sorry, Chezzie !! What with all the help you give peeps with spreadies, I shoulda told you FIRST - not LAST. Real soz, mate !!

DOS glad it sounds like you're finally sorted with your spready ... the contractual interest certainly increases the claim doesn't it!

Don't it just !!

Good luck & well done so far! :)

Sarah - be interesting to see how yours progresses. Thanks for that, and the encouragement it brings !! :)

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Aaaw - sorry, Chezzie !! What with all the help you give peeps with spreadies, I shoulda told you FIRST - not LAST. Real soz, mate !! :)

hey that's ok Bill ... nay worries!

 

Thanks Bill

And thanks Chez for your invaluable input as well.

 

you are VERY welcome :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Guest willowb

No, but it's best to have the spreadies done for both so that if contractual is not agreed to then the statutory claim of interest is ready for the Judge.

 

Wxxx

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Destiny - in case you're worried - I've been a bit busy with things today, but I will have that spready ready soon. There are a few problems with the interest charges columns to iron out, but there often are with these, so don't worry. I'll be back......:cool:

 

Oh - and I'll generate a statutory 8% one for you as well, so it's ready if you need it. :)

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Thanks Bill,

 

Sorry for the late reply, this is my works computer and |I'm only here 9-5.

But it looks like I'm going to be busy over the next few weeks, a lot of people are watching this with anticipation. I'm the only one with a spare PC so am the flavour of the month right now!

Bl***y creeps !:D

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  • 2 weeks later...

This member has just e-mailed me this message. I have suggested they check upper/lower case & caps lock, but that's all I can do.

 

Could a moderator or a techie please help ?

 

Many thanks.

 

""

 

Bill,

 

I am having trouble logging in to the site. When I contact them, they just send me new passwords. I use these but still cannot log in. I need to get Dottys claim sorted. Have you any idea how I can contact a mod ?

 

""

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Glad you made it DOS ... well done Bill/Karney ... :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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