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    • A further suggestion -     Dear Will & John.   I must admit I was in awe of receiving a letter from your esteemed law firm thinking what have I done to deserve such an honour. Perhaps you have discovered a long lost relative has left me a fortune in a will and I could give up work to pursue my love of goat farming using the money to set up a small holding in the outer Hebrides producing fine cheese and goat hair sweaters. Alas no! In bold letters it stated Letter before action almost if one had to get ready for battle and my power ranger pyjamas will have to be on a boil wash first before I can even think about action. Anyway I digress after further research I discovered this is in relation to some parking shenanigans of which I have no knowledge and for a place I've never been to, so as the Private Parking world's best solicitors you should be aware, I know that you know a case isn't going anywhere on the facts as presented. I may add that that not all is lost, as I used your letter to line the cat litter tray. Mr wiggles is most pleased with his firm and absorbent lining beaming happily away as he does his cat business before securing a warm spot in front of the fire as we sit down to watch cash in the attic. Good luck with the soliciting business I hear it can be quite lucrative. P.S – it is uncle Herbert who apparently left a fortune so if you do come across him please let me know…   COPIED TO MINSTER BAYWATCH     Send the letter to Gladstones tomorrow and also invest in a second 2nd class stamp and send a copy to Minster Baywatch.  Get two free Certificates of Posting.  This is because Gladdys have a lot of previous for egging on their clients to start court cases, even though their cases were pants and they were bound to lose, after all it's still £££££ for Will & John.  Let the PPC know too that the only result of a court case will be a massive tonking that will cost them dearly.
    • It is you right to demand all comms by letter only   if you wish to reply. simply state you have failed to give me your banking details i will not be paying by dd sorry.   should you wish my payment proposals to start please supply them. should you fail to do so, i will take this matter to the relevant authorities that govern you   YOu are reminded it is my right to request comms in writing only.   Dx
    • Good news.  They haven't bothered to send the authorisations you asked for, so in your WS later you can say you believe they don't have them.   EDIT  Indeed in your defence now you can state that you believe the claimant doesn't possess important authorisations.
    • Many thanks for your reply @dx100uk    Will begin the ppc cpr 31:14 to DCB and scan everything when I’m home later. Do I just post onto here?    Amounts;     AND THE CLAIMANT CLAIMS 1. £480 being the total of the PCN(s) and damages. 2. Interest at a rate of 8% per annum pursuant to s.69 of the County Courts Act 1984 from the date hereof at a daily rate of £0.11 until judgement or sooner payment. 3. Costs and court fees.      What is the value of the claim?   Amount Claimed 625.00 court fees 60.00 legal rep fees 70.00 Total Amount 755.00  
    • Ok no probs thanks for help with this this is where Ive got to so far - total claimable £608.55                       Claim From: 14/12/2009         Total   £608.55                     Claim To:   26/01/2021                                                       Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple                     14/12/2009 charges £321.40 4061 £287.15    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Financial Ombudsman - Helped me beat Abbey


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I went through the whole process up to the part where I had to take the bank to court - didn't have the cash, so filled in complaint forms regarding the Abbey and Halifax and sent to Financial Ombudsman. I received a letter this week, and the Abbey have now offered £4100 out of £4690. I have to sign a letter saying that it this is in full and final settlement of this claim. I am currently waiting for the outcome of a complaint regarding the Halifax which I sent to them at the same time...

 

I wrote to them in December, so it has taken 2 months for the FO to sort it out.

 

Maybe they have started to do what they said in the Money Programme....:-)

Halifax
- Offer of £564 received, 06/11 - sent LBA and Refusal of Offer
12/2006
Sent Complaint to FOS /
Abbey
- 15/10 - Received letter - refusal of payment - , 31/10 - LBA Letter sent,
12/2006
Sent Complaint to FOS, Offer Rec'd 14/02/07 for £4100 /
GMAC - RFC Ltd-
31/10 - S.A.R - (Subject Access Request) /
GE Capital Bank (Arcadia) - Debenhams -
31/10 - S.A.R - (Subject Access Request) /
GE Capital Bank (Arcadia) - Dorothy Perkins-
31/10 - S.A.R - (Subject Access Request) /
Kensington Mortgage Co-
31/10 - S.A.R - (Subject Access Request)
Chiggins

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Hmm.. thanks for the info. I haven't decided which woute to go down yet as my bro has multiple claims to make so the FO might be worth another look.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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  • 2 weeks later...

thats excellent news! i think the FOS is the route i'm going to take too, i live in scotland and claiming more than £3000, the path isn;t therefore that straightforward, as it means chopping up claims into £1500 'summary causes' then do i put the claims in at once or seperately? etc, AND trying to find solicitor/sherriff officer to serve the papers etc! if i lived in england it would be much easier:) but you know, thats what they're there for! (even the banks refer you to them if you're not happy with their refusal to refund your charges)keep us posted re' the other one.

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  • 3 weeks later...

If you can't afford the court costs, you may be able to get remission or not have to pay the costs at all, visit:

EX160 http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForm.do?court_forms_id=168

 

EX160A http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetLeaflet.do?court_leaflets_id=172

 

The latter is an explanation and the former is the actual form.

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

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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The Financial Ombudsman are dealing with my Halifax claim too although its been there for months and theyve just written to say they are so busy, it will take many more weeks.

 

Great result for you though and ill let you know how my complaint goes

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I recommend that people take the banks to court, I don't understand why people will settle for less than they are due!

 

If you can't afford court costs, view my post earlier in this thread which shows how to deal with it.

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

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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  • 4 weeks later...
I recommend that people take the banks to court, I don't understand why people will settle for less than they are due!

 

If you can't afford court costs, view my post earlier in this thread which shows how to deal with it.

 

I know what you are saying although I did consider taking FOS route with Abbey to try and avoid my (pretty huge) overdraft being called in and then getting caught in default removal wrangle. On balance though, as my charges SHOULD outweigh my o/d I'm going to take the court route and chance my arm. If by some fluke they aren't enough then i'll have to consider my position as i don't have the money to repay if Abbey behave in their usual way (actually still waiting for microfiche records so its still academic...)

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