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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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. 
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help filing in moneyclaim


mackie
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Hi Mackie

 

Have you followed the tried and tested procedures here first?..

Going straight to MCOL is not the way to go.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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ukaviator

Great piece of advice and excellent information just one area of assitance would be appreciated

 

Once you have completed all the MCOL information and you here nothing from the banks and the court date comes and goes, file for judgemnt by default, great.

what happens if the bank decides to 'request to set aside' the judgement is there any guidance notes for this and the steps need to resolve this issue.

 

There are two of us in a similar position and we rack our brains looking for the help and guidance

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Hi Bjberry

 

That probably won't happen. The banks have not gone to court yet over bank charges. You file, they acknowledge, sometimes a defence is filed by them. They just then pay up after a short while. Always be prepared to go through with court though, you never know.

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi ukaviator

 

I have followed all the other steps and i am now waiting to a response to the letter telling the bank that the next step is taking them to the small claims court l just did not want to get to this stage and fill the forms for the court in properly. do u think it is best to go on line to moneyclaim or to go to your local court and file a small claims.

 

thanks mackie

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  • 1 month later...

After acknowledgement the bank has 14 days to submit a defence. Please note that defences are frequently submitted at or just after the last minute and that a late defence (by a day or so) will often be accepted by the court.

If in doubt read the

FAQs

 

If still in doubt - ask!

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my bank acknoweged my claim on the 14th february when l telephoned the help no at money claim they informed me that l could not enter a judgement by default until the 13th of march l am completely confused now.

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notice of issue was 6th feb

 

So deemed served on the 11th Feb, they've 28 days from then to submit their defence, so you should be able to obtain judgment from 12th March.

If in doubt read the

FAQs

 

If still in doubt - ask!

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Makie please start a thread in your bank group

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi l am new to the forum can you let me know where a can get information on filing in the forms on moneyclaim.:?

Mackie

Please say which bank you are dealing with,or find your banks forum and start the thread in there. Say which bank and it can be moved to there.

 

Thank you,

Good Luck,

Happyolddog.

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I have received a letter from cobbetts they have entered a defence and they are also asking for further information. Can someone help me as to what l have to do this is what they have asked for.

 

This request is served pursuant to CPR Part 18 alternatively with regard to CPR Rule. 27.2(3)

The reason(s) why this request has been served are set out in the Defence which has been served by the Defendant.

 

You are asked to provide a response to this request in accordance with CPR Part 18 by 23 March 07.

 

In the event aht you do not provide an adequate response to this request by this date (or such other date as my be agreed with the Defendants solicitors) then the Defendant can apply to the Court for an order requiring you to provide the information requested or (in view of the deficiencies in the way that the claim is pleaded) an order striking out the claim.

 

Please provide the following particulars in support of your claim.

 

In relation to each charge please identify (a) the date when the charge was charged. (b) the amount of the same and © the reason given for the charging of the same.

 

In relation to each charge, please clarify the following (a) is it the case of the claimant the same should not have been charged? (b) if yes please explain why the claimant contends that the same should not have been charged? © if no is it the case of the claimant that the same should not have been charged in this amount. (d) if yes please explain why the claimant contends that the same should not have been charged in this amount and identify the sum the claimant contends should have been charged. (e) if no please state the claimants case.

 

thanks

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Hi Mackie,

 

Don't have any experience myself of Cobbetts and the CPR 18 request, but i believe there should be some relevant information here

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

 

best of luck

 

BB

 

Any advise offered is my own opinion, and if in doubt, always seek clarification.

If you found it helpful or useful please click the scales on the left.

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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I am with Nat west bank

But l am now at the stage that the bank have entered a defence and l need help with the information that they are asking for it is around the CPR 18 can you help me with this

 

thanks

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