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    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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A New Way of Looking at Interest- 1st successful Claim - N'wide


BankFodder
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Yeah - that oughtta do it !! Go on, have some fun at their expense for a change !!

 

There's nothing more upsetting to a 'receptionist' than to be reminded that he/she's just a mere receptionist !!

 

Unfortunately, the monkey doesn't realise that the organ-grinder calls the tune !! They learn, eventually, though !!

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It would be funny but I don't think I could do it. I'd be forever worried that she might lose her job or something.

 

I don't think she'll be in that job for long, anyway, if that's the best she can do. You'll just be hastening the inevitable, and enabling her to proceed to the next stage of her life.

 

Know wahat you mean, though. This is MCOL, and we do want them on OUR side, don't we ?

 

Bigger cages to rattle. Onwards & upwards and all that !!!

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In the hopes that more are subscribed to this thread, I'd like to repeat the question from my own [Vs HSBC] thread.

I received from the courts my N1 form back, stamped, along with a 'notes for the defendant' booklet. Since I received the form back, I did double check to make sure I got the 'claimant' and 'defendant' names in the right bit - I did.

My concern is that if I received this, did HSBC receive the Notice of Issue instead, and if so, will this delay the 14 day period some more?

 

Cheers,

 

Doryphor

Halifax: FULL REFUND

_________

Lloyds TSB: FULL REFUND

__________

HSBC Current Acct: FULL REFUND

__________

Capital One (three accounts); GE Money (Mothercare); GE Money (Burton):

Getting round to sending off first letters...!

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Have replied on my own thread, cheers Bong!

Halifax: FULL REFUND

_________

Lloyds TSB: FULL REFUND

__________

HSBC Current Acct: FULL REFUND

__________

Capital One (three accounts); GE Money (Mothercare); GE Money (Burton):

Getting round to sending off first letters...!

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Guest peed orf

G'evening all,

I'm trying to discover, when doing the spreedsheet for contractual interest, you use the daily rate, or the monthly rate?

Anyone know?

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G'evening all,

I'm trying to discover, when doing the spreedsheet for contractual interest, you use the daily rate, or the monthly rate?

Anyone know?

I used Mindzai's myself, then modified one of Vamps earlier ones. I haven't actually used one of the new Google ones, yet. But as far as I can make out, you just punch in the annual rate, and the spready works out the interest for you from that. It is generally accepted that the interest is calculated on a "compounded daily" basis, though.

 

HTH

 

Bill.

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Guest peed orf

Hi, my delemor is.... 8% = £10,000ish, Compond = £31,000ish and Contractual = £37,000ish!!!

That seems like an awful lot to me! (not saying I don't want it) but they do say " if it sounds to good to be true, it usualy is"!

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Well, peed 'orf, before this I'd have had to agree with that sentiment. However, this whole concept of the little guys against the big guy seemed a little, well, Lilliputian to me. Seems to be working tho...!

Halifax: FULL REFUND

_________

Lloyds TSB: FULL REFUND

__________

HSBC Current Acct: FULL REFUND

__________

Capital One (three accounts); GE Money (Mothercare); GE Money (Burton):

Getting round to sending off first letters...!

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peed'orf could you post up your total charges and first charge date so we can get an idea of whether this looks ok. Although I have to say if the statutory interest is coming out at £10k then it is a large claim and you wouldn't expect the contractual interest to come out at anything less.

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Hi, my delemor is.... 8% = £10,000ish, Compond = £31,000ish and Contractual = £37,000ish!!!

That seems like an awful lot to me! (not saying I don't want it) but they do say " if it sounds to good to be true, it usualy is"!

That's an awful lot.

 

One common error is that 8% should often be typed 0.08 not 8 etc.

 

Not saying you have made an error, but I would check if I were you.:)

[

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Hi, my delemor is.... 8% = £10,000ish, Compond = £31,000ish and Contractual = £37,000ish!!!

That seems like an awful lot to me! (not saying I don't want it) but they do say " if it sounds to good to be true, it usualy is"!

 

PO - I do believe a lot of people - including myself - couldn't believe the difference that contractual rate compounded made. I really do think that the sheer difference has made a lot of people bottle out because they really could not believe their own eyes or their own figures. I personally think someone like Bankfodder should make a major pronouncement with this in mind, to reassure those who still cannot believe it. It has come true for a lot of people now, I believe. I have had 2 moderate wins so far at the full rate - nothing huge - but no argument (£150 & £600) and no haggling.

 

As Vamp says, though, your 8% seems a little on the large side, so why not send in some figures for her t check - or just a copy of the spreadsheet line showing your oldest charge as an example ? The guys here will be able to gauge from that if there's an error somewhere.

 

Or maybe you've found it already !! (eg: x 8% = x 0.0)

 

But don't walk away from contractual compounded rates unless you're really sure !!

 

HTH

 

Bill.

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Guest peed orf

Hi all, thankyou for your replies.

The claim will be against HSBC, and I do want to screw every penny I can out of them (had time to think!) as, the result of these charges have left me with a high rate mortgage, and other financial problems over the years.

The claim is also a little more complicated, as part of it is over 6 years old, and partcialy eastimated!

My 1st charges are Sept 1990, £45.40, 8% interest is £58.81. Using the daily rate button, compound interest is £3,093.59. However using the monthly rate, interest is £2.02.

I'm quite willing to send a copy of the speedsheet to Vampiress, if it will help.

The 37.000ish is the total of charge + interest, I misread it!:oops:

The total of the claim, without interest is £5,331.97

I've only used the ready made speedsheets.

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P'O, I've just entered your figures in mindzai's compound interest spreadsheet and seem to get very different results, although I don't know what interest rate you're using, so I used 30% for a highest case scenario.

 

on a charge of £45.40 01/09/2000 I get £22.62 for 8% simple (statutory)interest.

 

I get £187 on that charge for compound interest at the daily rate of 30%.

 

maybe you do need to get someone to look over your spreadsheet?

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Guest peed orf

Bong,

Just came from the HSBC pages, the speedsheet I used was identical to the one posted yesterday that you were helping with.

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There seems to be a big difference then in the interest calculation - I just put your figures into the Mindzai spreadsheet too, and got £58.97 in 8% (simple) interest, £849.56 in 29.84% (compound) monthly interest, and £3104.62 in 29.84% (compound) daily interest - that's a massive difference between monthly & daily interest :o

 

(NB, using 29.84% just as an example)

 

In my current RBoS case, I have £2.7k charges going back to 2000, and the diff between daily & monthly interest is ~£1k....

 

Cheers

 

Michael

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yeah, I think the banks method is to compound the interest daily so why not us?

 

Oh absolutely - I'm not saying that we shouldn't :) It's just that's a highly noticeable difference - hadn't seen it demonstrated so effectively before. Not that the banks will see any other calculation figure for comparison :D

 

Cheers

 

Michael

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unless they're spying on us right now:p

 

Of course - nothing to see here though...;)

/me wanders off singing "Here come the Men in Black....."

 

Cheers

 

Michael

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This sure is a good demonstration of how compound interest creeps up, innit ?

 

No wonder people blink at their figures, and doubt them.

 

FWIW My spready agrees with your figures above Bong & Mcuth, so we're all sitting here blinking.

 

PO's original figures as posted were well high, but he seems to have got it sorted, now - just can't believe it, that's all !!

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Hi all, thankyou for your replies.

The claim will be against HSBC, and I do want to screw every penny I can out of them (had time to think!) as, the result of these charges have left me with a high rate mortgage, and other financial problems over the years.

The claim is also a little more complicated, as part of it is over 6 years old, and partcialy eastimated!

My 1st charges are Sept 1990, £45.40, 8% interest is £58.81. Using the daily rate button, compound interest is £3,093.59. However using the monthly rate, interest is £2.02.

I'm quite willing to send a copy of the speedsheet to Vampiress, if it will help.

The 37.000ish is the total of charge + interest, I misread it!:oops:

The total of the claim, without interest is £5,331.97

I've only used the ready made speedsheets.

 

I think you need to tread carefully here.

 

What is the total of the charges arising in the past 6 years?

 

Are any of the charges in the past 6 years estimated?

 

What proportion of the charges over 6 years old is estimated?

 

How have you calculated your estimate?

 

You can try to get older charges refunded but it's tricky. Trying to do this on an estimated basis is likely to fail unles the estimated proportion is very small.

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