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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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A New Way of Looking at Interest- 1st successful Claim - N'wide


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Hello,

 

sorry to butt in! Am writing about this thread: http://www.consumeractiongroup.co.uk/forum/halifax-bank/43392-halifax-offer.html

 

We are following Vampiress' compound spreadsheet: England - Advanced - Excel which allows you to list charges & interest for prior to MCOL, and then charges + 8% & interest + 8% for MCOL. This means that we are claiming compound interest + statutory interest on MCOL. Is this correct? Can we claim both?

I have already taken HSBC to court using the same spreadsheet and won. Now that I have managed to convince my flatmate to do the same thing with Halifax, a couple of people have said that you can't actually claim both, and we're starting to doubt ourselves. Apparently Halifax are disputing the interest on interest, and refusing to pay. Do we know best or do they?!

 

Would really appreciate a hand with this. Have searched many threads about this and am just getting more confused...!

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Hi Wendy - I have worked with a couple Vamp's spreadies, but have used a simpler version for my own claims. However, I have entered three columns for interest on mine, also:-

a. Contractual at unauthorised (higher) rate,

b. Contractual at authorised (lower) rate, and

c. Statutory at 8%

 

The rate I have claimed has always been a. The other two rates are shown for the court's use only, and I now annotate them as such, since some banks think we are offering them these as alternatives - which we are not !!

 

Further back in this thread, you should find Mindzai's posted particulars of claim, in which he claims the above b. & c. rates "in the alternative." I use his POC as my template, and the "alternatives" is the only reason why I include them in my spready. You can only claim one rate of interest, but you can (and I believe you should) claim the alternatives as a safety-net.

If it comes to it, the court decides which rate - not the defendant. But the alternatives are only to be discussed in court, so the bank has to take you in there first !!!

 

Until the court becomes involved, though, your claim is really just between you and the bank, and you claim just the one rate of interest from them (in my case, a.)

 

HTH

 

Bill.

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Thanks for this, Bill K! That's what we thought, just making sure. The claim is now being 'defended' by Halifax. Initially we think this was just to get the extra 14 dyas to respond, however they did say that they would defend the extra money should we not accept their offer. I suppose we just wait to hear from them at this stage - the ball is in their court!

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Thanks for this, Bill K! That's what we thought, just making sure. The claim is now being 'defended' by Halifax. Initially we think this was just to get the extra 14 dyas to respond, however they did say that they would defend the extra money should we not accept their offer. I suppose we just wait to hear from them at this stage - the ball is in their court!

FWIW Wendy - a lot of the time, they announce they will defend. It gives them a further 28 days to do sod-all, while they expect you to be quaking in your boots and hopefully bottle out. Costs 'em nothing to do this, but gets them some time and it loses a few bottlers !!

 

Next trick is the AQ - which I believe can seem pretty scary. I've not had to do one of those, yet, so I'd be glad to hand over to someone here who has. But - hold your ground, as it is still more of a scare tactic than a genuine move. You just have to jump through the hoops - all the time saying to yourself "This is gonna cost you big time, you f***ers !!"

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FWIW Wendy - a lot of the time, they announce they will defend. It gives them a further 28 days to do sod-all, while they expect you to be quaking in your boots and hopefully bottle out. Costs 'em nothing to do this, but gets them some time and it loses a few bottlers !!

 

Next trick is the AQ - which I believe can seem pretty scary. I've not had to do one of those, yet, so I'd be glad to hand over to someone here who has. But - hold your ground, as it is still more of a scare tactic than a genuine move. You just have to jump through the hoops - all the time saying to yourself "This is gonna cost you big time, you f***ers !!"

 

I fully agree with bill-k's comments.

 

The AQ is nothing to worry about at all. It's all taken care of on here so any questions and back you come.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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It gives them a further 28 days to do sod-all,

 

Well technically, only another 14 days because they get 14 days from date of service anyway - acknowledging the claim just gets them to 28 days from date of service ;)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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Don't worry AQ's are a doddle and are fully covered here on templates.

Halifax are pussycats when it comes to banks.

They argued oversome interest on my CCard claim but I wrote to them and fully explained the charge.

They replied very promptly with a full settlement.

as far as I'm aware HBOS generally don't ever go to AQ.

If your claim is for over £1,500 then I would use this as a lever against them in that they would incur a further £100 which would be added to your claim costs.

 

Regards

 

MF

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Hi, Please be patient with me, i am new

I live in scotland and am owed £1700 inc of interest @ 8%

how should i pursue this

should i raise three court actions to recover my money say for

sept01-sept-03 £600

octo3-sept 05 £500

oct05 -present day £600

or should i just claim for it all in a oner

please advise

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Hi Bramble, and welcome. You've just landed in the main "Contractual Interest" thread. This one is well worth checking out before you actually make your claim, but I would suggest you have a thorough read of the FAQ's, and some of the other theads as well.

 

It hurts, I know, but if you don't do this first, then any advice you're offered here may be of no real use, or it may just go right over your head !! There's no quick way of doing this, as I've discovered !! But you will be glad you took the time - I'm sure you will.

 

All the best with your claim,

 

Bill.

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Hi,

Back again for some more advice I'm afraid. Got letter from HSBC in response to my refusal of f+f settlement & acceptance of partial refund with my updated schedule of charges. They've offered refund of all charges (it's gone down since original claim cos the've slipped off the 6 years & another slipped off on 29/11) but not a refund of interest. Didn't get a chance to fill in court forms last weekend so haven't gone any further than that, but I do want to get the interest back. Does anyone know if the mods have set up a thread for this as suggested? Had a look but I couldn't find one.

 

Just wondering maroonfox5 what your letter to Halifax stated about the interest (I've also got a claim with them where they've refused to pay interest) & whether you could PM me a copy? Please, pretty please?

 

Thanks again all you revolutionaries....

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Acerfan - Bong was going to ask about a separate thread, but that's all I know so far. I note that she helped with your earlier letter, so I won't say too much here. It's probably best if she comes back here later. It certainly looks to me that you simply have a choice - take the money & run, or see your original claim through to the end. Your choice, mate. As this is a big one for you, then I suspect the first choice, though tempting, is not the one you really want to take !!

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I've been thinking for sometime about this question of interest. 8% seems a bit niggardly to me particularly when you think that the banks typically make 16% on overdrafts and far more on unauthorised borrowing.

 

I hadn't brought it up before but actually where a contract makes provision for a rate of interest to be paid on outstanding money, one does have the choice either of claiming that contractual rate of interest or merely claiming the 8% under the County Court act 1984.

 

So far we have been suggesting to everyone that they claimed the 8% because there is no express provision in the contract for a contractual rate of interest. However it seems to me to be quite arguable that there is an implied term in the bank contract based on the principle of "mutuality" or "reciprocity" -- in other words what is sauce for the goose is also sauce for the gander.

 

If this is correct then I think it is entirely reasonable to argue that where penalties have been unlawfully taken that this is the equivalent of borrowing by the bank and therefore the sum borrowed should attract a contractual rate of interest e.g. 16% - or if one wanted to say that the levying of penalties was unauthorised -- which of course it is -- then one could say that the contractual rate of interest was the unauthorised borrowing rate.

 

Maybe this latter rate is going a bit too far for the moment. However it seems to me that the bank's ordinary overdraft rate is entirely reasonable way to excercies mutuality.

 

 

An advantage of charging the contractual interest rate is that you can apply this even if the case does not go to court. The 8% is only available once the money is being claimed.

 

I can't see that this approach creates any risks for anyone unless it brings the amount claimed over the £5,000 limit. But if it doesn't then there is no problem. If the matter went to court then I would suggest that the N1 was worded to claim the contractual rate of interest or in the alternative, 8% pursuant to section 69 blah blah blah.

 

Of course if a claimant is attempting to recover the contractual rate of interest then the term (the implied term) has to be alleged in the particulars of claim.

 

 

 

Anyway there's the idea. Anyone got any comments?

 

Hi,My bank - Hali - is saying that I cannot claim contractual interest (in their case 29.8%) but only the 8% county court rate. I've submitted my MCOL claim and the claim has gone ahead - however the particulars of my claim was for contractual not 8% interest. I take your comments on board that it should be more than reasonable to suggest the contractual rate of interest as that is what they'd charged/made from me in the first place. However, now that it's in the hands of the courts is the bank correct that I can only claim 8%? If so, I'll be down half the claim amount. Plus my claim went over £5K by about £400 (minus court costs) so over by about £650. So with it being over £5K then how does that work? I also don't think I've quoted the implied term in my claim, all I've said is that I've claiming contractual interest - is that enough or have they got me on the ropes?

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Ah yes, it's an epic itself, this thread. I spent the wee hours of one morning trawling its murky depths - mind you, there's an entertaining exchange towards the end about Hitchhiker's Guide to the Galaxy, if that floats your boat...

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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I fully agree with bill-k's comments.

 

The AQ is nothing to worry about at all. It's all taken care of on here so any questions and back you come.

 

Pete

 

Sorry to sound dense but what's the AQ? I cannot see it on this page.

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Check the FAQs - it's the Allocation Questionnaire that you need to do after the defendant puts in a defence.

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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Hi,My bank - Hali - is saying that I cannot claim contractual interest (in their case 29.8%) but only the 8% county court rate.

 

What does your contract actually say about interest charges? The court will look at the exact wording and decide what it means.

 

Over in the Lloyds section, The Mindzai and Lucid thread has their claim; they say the wording in the contract about interest applies to all drawings from the account, including the money taken by the bank in charges.

 

It's a reasonable argument. The court may not agree with it, of course.

 

Tim

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Acerfan-

"They've offered refund of all charges (it's gone down since original claim cos the've slipped off the 6 years & another slipped off on 29/11) but not a refund of interest."

What on earth are you thinking of?? Two things:

1. were those items within the 6 years when you began asking the bank for your money back? If yes, then there's no way they can 'slip out'. Tell them to s*d off.

2. Were you within six years of the OFT report in April this year, which is the first time you could reasonably be expected to know the banks' charges were unlawful given that they have consistently (and continue) to conceal the true nature of their charges, that they are penalties, not genuine pre-estimate of costs?

Yes, you were within 6 years of April 2006 when you started your claim??

Well, nothing has fallen out because of the Limitations Act. tell them to s*d off and give you your money.

Only a bit more politely than that. I'm sure you could even include 'sine qua non' and 'quad erat demonstrandum' in your letter, if you tried hard enough!

And don't forget the interest, either contractual or statutory (or both, if you've been in overdraft and can show the interest is a demonstrable loss). They had plenty of time to settle without interest before you issued the claim. They waited, now they have to cough up.

But I'm not a lawyer, so this is just my thoughts, not legal advice.

Best wishes

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi Westy,

was advised on my own thread to send an updated list of charges removing the older ones which are now over 6 years old. Was this wrong? I sent them the updated schedule & that was their response. I definitely want to get as much as I can out of them, but going back on that would make me look a fool I think & as the LBA has run out & I'm just about to fill in the court forms, I think I'm going to have to stick with it.:(

 

However, any advice will be gratefully received.

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Hi Westy,

was advised on my own thread to send an updated list of charges removing the older ones which are now over 6 years old. Was this wrong? I sent them the updated schedule & that was their response. I definitely want to get as much as I can out of them, but going back on that would make me look a fool I think & as the LBA has run out & I'm just about to fill in the court forms, I think I'm going to have to stick with it.:(

 

However, any advice will be gratefully received.

 

Ace, is this any good ?

 

Send them a further, revised LBA with all the original claimed amount on. and giving them just a further 7 days. Explain to them that, as they have forced you to wait all this time instead of offering you full payment, you have spent the time researching further, and are now aware that you can claim back further than six years. Invite them to settle early and avoid any further expense (court costs, etc.)

 

You won't look a fool, and you'll be back on track.

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Hi, Acerfan

I've posted a robust rebuttal to Lateralus on your thread.

If you haven't submitted your claim yet, you are not too late and you don't have to stick with it. You are only fully committed when your claim has gone in.

Claim everything to which you're entitled - that's the charges - all the charges, whenever deducted - and, if you've been in overdraft the bulk of the time, then contractual interest (what they've charged you) is a demonstrable financial loss you've suffered, also. Claim that in addition, and then the statutory 8 per cent on top.

Don't let them off the hook and don't be caught out by your own lack of knowledge. Look at other threads, especially successes, in the HSBC forum. The bank won't tell you if you've let them off lightly and invite you to amend your particulars of claim but your good pals on Bank Action Group will try and help you avoid making the mistakes in the first place.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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