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    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
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Hi - genuine charges query!


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icon1.gif Help - Genuine charge query!

Hi

 

I have been having some difficulties with Lloyds TSB 1999 - to present day!

I had some financial difficulties in 1999, wrote to my Bank Manager at that time to cease accuring interests on my accounts, until I can sort myself out- they failed to helped me and to date have to pay back £14,000. speechless-smiley-040.gif

I am paying back a nominal sum of £10 each month to a recovery centre, Wescot; I had also contacted the Ombudsman last year, they stated that they only deal in matters of maladministration and therefore could not assist me any further as they believe that there was no relevant mistake, undue delay or failure of the Bank's procedures.angry-smiley-030.gif

 

Now having looked at my statements since 1999, I have noticed that I have been charged around £700 of interests and service charges - is this the same as a default charge and would I be able to claim some of this money back from lloyds TSB if I write to them with some of these standard letters? confused-smiley-013.gif

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Hi Archie

Im sure BAG can help in some way.

You will have to do most of the work yourself but you will get plenty of support along the way.

Make a post here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ you know the thing, Life story, good times bad times, when you got drunk last ect. In all seriousness im sure BAG can help were all one big happy family here come and join us.:D

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi Archie

Im sure BAG can help in some way.

You will have to do most of the work yourself but you will get plenty of support along the way.

Make a post here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ you know the thing, Life story, good times bad times, when you got drunk last ect. In all seriousness im sure BAG can help were all one big happy family here come and join us.:D

 

AL:)

Hi

 

I have been having some difficulties with Lloyds TSB 1999 - to present day!

I had some financial difficulties in 1999, wrote to my Bank Manager at that time to cease accuring interests on my accounts, until I can sort myself out- they failed to helped me and to date have to pay back £14,000. speechless-smiley-040.gif

I am paying back a nominal sum of £10 each month to a recovery centre, Wescot; I had also contacted the Ombudsman last year, they stated that they only deal in matters of maladministration and therefore could not assist me any further as they believe that there was no relevant mistake, undue delay or failure of the Bank's procedures.angry-smiley-030.gif

 

Now having looked at my statements since 1999, I have noticed that I have been charged around £700 of interests and service charges - is this the same as a default charge and would I be able to claim some of this money back from lloyds TSB if I write to them with some of these standard letters? confused-smiley-013.gif

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Hi Archie

Penalties levied on an account are normally Returned cheque, returned Direct Debit, returned Standing Order, Being put in an UNauthorised Overdraft situation without your complicit say so. I am not fully aware of Lloyds TSB charges (you will find them out in their current Terms % Conditions) service charges are (although not always) what they say they are a service.:)

 

AL:D

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Archie - I've been doing extensive research into claiming back appropriate charges beyond the normal 6 year Limitation (Limitations Act, 1980). There is Sec 32(1)(b) of this act which helps to go beyond but the magic one is..................Latent Damages Act, 1986. This doesn't appear on any of the forums I've been looking at here!! It inserted Sections 14(a) and 14(b) into the Limitations Act. In particular, it inserted sec 32 which.....suspends the period of limitation indefinately (if one or more of 3 situations apply)!!!!!!:lol: Just quote this in the letter to them and see. Itt will also be worth re-writing to the Ombudsman again. This service is free and quote things you have already picked up on on this site.

You also need to get onto your particular bank's forum - research and you will find 90% of what you want from it.

 

The above is only advice based upon the scenario you originally stated.

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s.32 Limitation Act has been referred to many times on this forum. Do a search

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