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    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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A New Way of Looking at Interest- 1st successful Claim - N'wide


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Personally I would reject their offer and wait for them to pay out the CI, but it really depends on your own situation.

hi its callen, hadenough's girlfriend. thank you for your opinion. since getting the offer we have been offered a loan from a friend which would mean we can carry on with the claim. however i am really scared of rejecting so much money and then losing at court and getting nothing.

Has this happened to anyone? :confused:

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Guest peed orf

Hi all, is there a way to alter the simple excel 8% spreedsheet to the contractual interest? I'm not computer literate, and am having trouble with the google ones! I have read the info on how to sort them on other threads, but I just don't get it!

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Guest peed orf

It would appear that was the one I tried 1st. Because it was such a large figure, I asked Vampiress to have a look, she transferred the info to her spreedsheet, and got a totally different figure! She sent me a link to her chambers, but the spreedsheet won't download, and the others I've tried from her chambers are view only, so I can't type in them!!

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Was there much difference between the figures? this needs to be looked into if the same figures are bringing up different results.

 

I've heard something about having to subscribe to google before you can use vamp's s/s.

 

edit - prob best to send vamps a PM

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don't know what to suggest P'o, I wish I could help.

 

Maybe go with Mindzai's spreadsheet and let the bank either pay or dispute the figures by providing their own calcs?

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Advice, information, data, opinions, etc of JustWon, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

If I don't respond please don't think I am ignoring you as, due to other commitments, I have little time to spend on the board.

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Guest peed orf

Hi all, managed to download speedsheet, put in a test charge of £40.00, and got over £148,000 in interest! nice, but I think it may get questioned!

 

I'm gonna have another go after I've caught up on what's happening on here.

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Hi all, managed to download speedsheet, put in a test charge of £40.00, and got over £148,000 in interest! nice, but I think it may get questioned!

 

I'm gonna have another go after I've caught up on what's happening on here.

Hey, P'O - can I help ? Please - pretty please !!!

 

Shove a single example charge on a post here, and show:-

 

amount

date of charge

interest rate

 

You'll have several answers to that within a few minutes, hopefully (not from me - I'm logging off - did I hear muted applause ?)

 

If they're roughly the same, then you can check that when you get back to the spreadies.

 

It's usually something simple, like date format, or interest rate format.

 

If no joy, then PM me - I'll fix it for you for 10% !!!

 

Yee - har, 14.8K here I come !! :D

 

HTH (to some extent)

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P'o have you made an error with the interest rate? I thought you said Vamps had put your figures in the spreadie for you, or am I not following this right?

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Hi, Bong & BK, I had a flesh thought!!! I went back a tried downloading the s/s Vampiress sent me, with success! I can now see where the difference has arisen. I'll PM Vampiress with query/info. and get back to you as soon as I hear something.

 

Thanks for the help so far.

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Guest peed orf

If no joy, then PM me - I'll fix it for you for 10% !!!

Yee - har, 14.8K here I come !! :D

HTH (to some extent)

 

BK, sounds like a fair deal to me!

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Guest peed orf

Hi all, got vamps s/s sorted, it was my mistake, but now sussed it.

 

with some extra statements that i found, I'm looking at a meesley £42,000!!:grin:

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