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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • 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.   
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Smoking_Monkey vrs Barclays


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Hi,

 

I am in the process of trying to recover bank charges issued by Barclays Bank. At the last possible minute they acknowledged the claim and now I have just found out that they are willing to defend the claim (again last minute).

 

Has anyone else been in this position, and if so what would be the best course of action for me? I have been reading quite a few web pages relating to this topic but not having a full understanding of the British law Im not entirely sure what this means.

 

Barlays had previously offered me a 'Goodwill Gesture' which I decided I would not accept (it was about 40% of my claim).

 

Any help would be much appreciated. Thanks very much,

 

Rich

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Hi,

 

I am in the process of trying to recover bank charges issued by Barclays Bank. At the last possible minute they acknowledged the claim and now I have just found out that they are willing to defend the claim (again last minute).

 

Has anyone else been in this position, and if so what would be the best course of action for me? I have been reading quite a few web pages relating to this topic but not having a full understanding of the British law Im not entirely sure what this means.

 

Barlays had previously offered me a 'Goodwill Gesture' which I decided I would not accept (it was about 40% of my claim).

 

Any help would be much appreciated. Thanks very much,

 

Rich

 

 

Firstly dont worry :D this is standard practice they will say they are going to defend but they will pay out in full before you get to court. Just sit tight and wait for your AQ, when you recieve it complete it and return to the court. Spend this time now reading the FAQS and step by step instructions.

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Help ........ please...... Barclays are doing the same to me...... the case has been transfered to a local court and I have a whole pack of forms to fill out....what should I do ??.......It is an allocation questionaire .....

Data Protection Act Disclosure letter sent 11th May 2006

Request for repayment of charges letter sent 3rd June 2006

Letter before action letter sent 30th June 2006

MCOL started 20th July 2006

MCOL deemed served 25th July 2006

MCOL deadline for reply from Halifax 8th August 2006

Notice of Judgement against Halifax 15th August 2006

****SETTLED IN FULL***** 31st August 2006 ****

 

Request for repayment of charges letter sent 1st Nov 2006

Charge was £39 for unpaid direct debit which would have made me £1.20 over my overdraft limit!!!!

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Click here: http://www.consumeractiongroup.co.uk/forum/ Then go down a little until you get to the RED writing saying: FAQs :::::::::::::::::::::::::- PLEASE READ THESE FIRST!!! -:::::::::::::::::, that and the following few sections are the good stuff.

18/11/2006 Recieved Statements from Barclays.

20/11/2006 Sent Prelim for return of £575.

27/11/2006 Received offer of £290.

4/12/2006 Sent LBA.

8/1/2007 Filed Small Claim at court.

12/02/2007 Full settlemant from Barclay's.

12/02/2007 LBA sent to Mint.

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Hello again,

 

I am currently still in the process of filling in my court bundle. Whilst looking through it I noticed the sections Early Day Motion from the House of Parliament and OFT Summary contain only a web link. Will this be satisfactory to include in the document that will be posted to the courts or should I print out the web pages/pdf documents?

 

Also, should I include some sort of front cover (or include it in the header/footer) my name and claim number etc? How many copies should I post off to the court? I read elsewhere that 2 copies were required for the court (3 if I wished 1 returned in a court envelope) but Ive not found anything similar about Court Bundles.

 

Cheers,

 

Rich

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Hi Smoking Monkey

 

I thought you were at Allocation Questionnaire stage ? If so I do not think you need to send the court bundle with it - that is at a later stage.

 

Well that's my understanding anyway - maybe someone can confirm for you ?

Barclays -

* S.A.R - (Subject Access Request) hand delivered 27/10/06

* Statements Received 1/11/06

* Pre Lim letter hand delivered 2/11/06

* MCOL Filed, Acknowledged & Defended

* N149 Submitted 24/01/07 (Due 26/01/07)

* ???? Still awaiting court date !

 

Halifax -

* £105.00 Settled in Full after LBA

 

Barclaycard -

* £60.00 Settled in Full after LBA

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  • 4 weeks later...

Hi there,

 

I am currently in the middle of the court process to have my charges refunded but I received a letter the other day which I am worried has thrown a spanner in the works. I believe that I have followed the procedures exactly which is why I am so confused with regard to this letter. It was sent from Gloucester County Court and reads:

 

Before District Judge sitting at Gloucester County Court.

 

Upon both parties filing allocation questionnaires

 

IT IS ORDERED THAT

 

The claim is stayed on the grounds that the claimant's statement of case discloses inadequate particulars of claim. Unless the claimant files an serves a further statement of case that sets out full particulars of the claim, the claim will stand struck out.

 

The Claimant should also send a copy of the further statement of case to the Defendant or their representatives and confirm to the Court that this has been done.

 

It then goes onto givesome phone numbers and websites of Legal Services or the Citizens Advice Bureau.

 

I am worried that I have somehow managed to screw this up. Has anybody else received a letter such as this, or could someone throw some light on the 'Legal Language'? Im going to try and contact them tomorrow to find out if they could give me some more clarification, but in the meantime all help and advice will be gratefully received.

 

Thanks in advance,

 

Rich

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Hello George,

 

Thanks for the quick reply. I have copied directly the Particulars of Claim that I filed from the Moneyclaim website. It reads as follows:

 

1. The Claimant has an account * with the Defendant, opened *. 2. Since **/**/** the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy has been sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claomant claims: (a) return of the amounts debited of £*; (b) Interest per S.69 County Courts Act 1984 of 8% - £* continuining at 8% until judgement or settlement at a daily rate of £*. 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

 

If there is any other document that you need then please let me know. Thanks very much George.

 

Best regards,

 

Rich

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I have decided that I am going to print out a hard copy of the Particulars of Claim as I previously did it online. Looking through the forms on this site I have come across something I am slightly unsure of.

 

Could somebody tell me what the differences are between the Overdraft Interest £xxx.xx, and the Interest under s.69 County Courts Act 1984 £xxx.xx (please see below for the context)? I would have said that it was the daily interest rate but there is space to state that in the next paragraph.

 

Best regards,

 

Rich

 

Charges £xxx.xx

Overdraft Interest £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

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Charges £xxx.xx

Overdraft Interest £xxx.xx THIS IS WHAT THE BANKS CHARGED YOU FOR GOING OVERDRAWN, IF YOU DO NOT INTEND TO CLAIM THIS THEN YOU COULD LEAVE IT BLANK.

Interest under s.69 County Courts Act 1984 £xxx.xx TOTAL FROM DATE OF SERVICE OF EACH CHARGE TO DATE OF ISSUE.

Court Fee £xx.xxYOUR COSTS

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

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i think overdraft interest is the interest you paid on the charges , i.e. the bank are allowed to charge interest on your overdraft but if you pay a charge they add interest onto that charge which i believe you can claim back if you are brainy enough.

the 8% statutary interest is the amount added to each charge you are claiming going back however many days the charge was implemented.(took me ages to think of that word).

hope thats right . if not someone will put me right.

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Hi there,

 

After visitng the Citizens Advice Bureau yesterday I fear that they may have highlighted a glaring mistake on my part which could be the cause of all my problems.

 

When I submitted my Particulars of Claim, I believe I only sent both my bank and the County Court a copy of the Excel spreadsheet from this site. Should I have sent them copies of my statements where the charges occurred as well as the excel spreadsheet?

 

I am just sorting through the statements now before copying them and sending them. Could somebody please confirm whether this is the route I should have taken in the first place or whether I am still fumbling in the dark.

 

Thanks very much,

 

Rich

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Guest Mumofthreeboys
When I submitted my Particulars of Claim, I believe I only sent both my bank and the County Court a copy of the Excel spreadsheet from this site. Should I have sent them copies of my statements where the charges occurred as well as the excel spreadsheet?

 

No, you're correct - you only need to send the spreadsheet as this particularises the details from your statements.

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This was part of the letter I received from Gloucester County Court.

 

Upon both parties filing allocation questionnaires

 

IT IS ORDERED THAT

 

The claim is stayed on the grounds that the claimant's statement of case discloses inadequate particulars of claim. Unless the claimant files an serves a further statement of case that sets out full particulars of the claim, the claim will stand struck out.

 

The Claimant should also send a copy of the further statement of case to the Defendant or their representatives and confirm to the Court that this has been done.

 

The Defence and Counterclaim from Barclays that I received when I received the Allocation Questionnaire states:

 

1. The Particulars of Claim do not provide details of the precise charges alleged to have been unlawful, or the date thereof. To the extent it is alleged that the Claimant incurred bank charges on his/her account for unauthorised borrowings (whether unpaid fees for returned cheques, "Paid Referral fees" or any othersuch fees), the Defendant puts the Claimant to strict proof of each charge and the date thereof.

 

It then goes on to list a further 9 points. I think this is a fiarly standard response from Barclays is it not?

 

Thanks,

 

Rich

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