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    • I'm sending back to plea guilty and not appear in court. Nothing to add really. Then complete the form where it ask for my finances, monthly income, employment status and monthly out goings.  
    • What we need to see is all the original paperwork  That would include the pre contract information and the original HP Agreement  Post it up and I will have a good look over it at the weekend  It really hangs on the wording as to whether it’s a scrapage adjustment /discount on the price of the car( that is how some schemes worked) Every manufacturer had their own version  Have you sent VW a SAR?
    • Wrong as usual Jugg    Did Michael Cohen Commit Perjury In The Trump Trial? WWW.ZEROHEDGE.COM ZeroHedge - On a long enough timeline, the survival rate for everyone drops to zero Michael Cohen. He still has one day of cross examination ahead of him on Thursday. With the government resting after Cohen’s cross examination, I believe that an honest judge would have no alternative but to grant a motion for a directed verdict and end the case before it goes to the jury. Judge Juan Merchan will now have to give the full measure of his commitment to the rule of law. Given the failure to support the elements of any crime or even to establish the falsity of recording payments as legal expenses, this trial seemed to stumble through the motions of a trial. Michael Cohen was only the final proof of a raw political exercise. For critics, some of Cohen’s answers appear clearly false or misleading. Like their star witness, the prosecutors have shown that they simply do not take the law very seriously when there is an advantage to be taken.
    • So to sum up. 1.  You & your friend did the right thing on 28 December and are in the right legally. 2.  You are in the early stages of the threatening letter cycle.  We've seen these letters quite literally over 10,000 times.  For the moment your friend has nothing to worry about. 3.  No-one will turn up at your friend's door. 4.  If months down the line this got to court, you would win.  It's blatant disability discrimination.  Some time back I looked through the results of Excel v Caggers court cases, well we won 85% of the time, and you would be 100& certain to win. But this is the bit that you won't like ... 5.  Excel don't care that they are legally in the wrong.  They want your money.  They will go on and on with their letters hoping you'll give in. 6.  They are also the most litigious of the private parking companies and it's perfectly possible, months hence, that they will take your friend to court.  You have to be prepared for this.  They would lose.  But they don't care about the losses since, sadly, presumably so many people are afraid of court and so give in and pay.  7.  We will of course support you all the way!
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Ahhh, help me please !!!!!


Robinhood696
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Hi

 

Firstly, I apologise for this request as im sure that the answer can be found somewhere on this site. Belive me I have spent ages trying to find it but there's just so much info so If someone could just point me in the right direction I would be very grateful.

 

Initially, sent my first letter to Abbey with request to refund charges, included all the neccesary act information and schedule of all charges. Recieved a standard letter back saying "sorry you are unhappy, we will get back to you in 2012 blah blah.

 

I wrote back with 2nd letter informing of my intention to begin court action ect and the 14 day period to respond. That was over two weeks ago and I havnt heard anything back.

 

I want to move on to the next step but Im really nervous and unsure about what to do next regarding court action.

 

Is there a template that I can use for the next step, if so where is it?

 

Again, really sorry if this has been posted already - if someone could send me a link or some helpful advice that would be great.

 

Many thanks

 

Robin

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Hi

 

Firstly, I apologise for this request as im sure that the answer can be found somewhere on this site. Belive me I have spent ages trying to find it but there's just so much info so If someone could just point me in the right direction I would be very grateful.

 

Initially, sent my first letter to Abbey with request to refund charges, included all the neccesary act information and schedule of all charges. Recieved a standard letter back saying "sorry you are unhappy, we will get back to you in 2012 blah blah.

 

I wrote back with 2nd letter informing of my intention to begin court action ect and the 14 day period to respond. That was over two weeks ago and I havnt heard anything back.

 

I want to move on to the next step but Im really nervous and unsure about what to do next regarding court action.

 

Is there a template that I can use for the next step, if so where is it?

 

Again, really sorry if this has been posted already - if someone could send me a link or some helpful advice that would be great.

 

Many thanks

 

Robin

 

Ok the step by step instructions will guide you through(linked in my signature). You need to decide wether to use the N1 or MCOL either way both the templates are in the library. File your claim now you have given them long enough.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

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Yes there are plenty of templates to help you out.. There should be some on here, although I haven't looked as I got mine from MoneySavingExpert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

Don't be nervous. Thousands and thousands of people have claimed, and are still claiming from their banks, and they're all winning! Get the ball rolling as soon as possible though!

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Yes there are plenty of templates to help you out.. There should be some on here, although I haven't looked as I got mine from MoneySavingExpert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

Don't be nervous. Thousands and thousands of people have claimed, and are still claiming from their banks, and they're all winning! Get the ball rolling as soon as possible though!

 

I for the life of me can not see why you would want to use any other site than this to reclaim your bank charges. This site is the premier site when it comes to consumer issues in particular reclaimimng bank charges.

This site will follow your claim from the cradle to the grave we will not abandon you if/when your claim reached the court stage.

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Yes but when I initially started with the claim, that was the website that I came across. I've only used it for a few ideas on what to write, and since I discovered this website I've been using it.

 

 

cool. :D

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Many thanks

and just so Im totally clear on this (I know, its Monday sorry) I fill out the N1 form as suggested with the relevant information, send it to the courts and then wait until I hear from Abbey or the court?

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I used mcol, found it simple to navigate through and saved me the walk to the court, also heres a good template for the mcol statement. it fits and is very concise. good luck!!

 

Account account number xxx.During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of breaches of contract on the part of the Claimant.3.The Claimant contends that:a)The charges debited to the Account exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.b)The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations(1999),the Unfair Contract Terms Act 1977 and the common law.5.Accordingly the Claimant claims:a)the return of the amounts debited in respect of charges in the sum of £xxxx and interest £xxxx charged thereon; b)Court costs;c)Interest pursuant to section 69 County Courts Act.

 

 

Abbey 1 settled in full 01/05/07

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I dont think I can do this! Im really confussed about the court action procedure.

Im in the process of putting all the info in MCOL but am stuck on the interest part as well as all the other bits.

 

Im really desperate to get my money back, if someone could let me know how to complete the next step (ie) which court to use ect ect - basically any info on how to move forward I would be ever so grateful.

 

Thanks

 

R.

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Fill out your charges on the spreadsheet available.This will calculate your interest.

So to summarise: Charges = Total of charges

Interest charged = is any interest they have imposed ewhilst you were overdrawn

Daily rate = charges plus interest * 0.00022(i think off the top of my head)

Other interest is the 8% malarky. Its all in the templates section.

 

I would also advise posting all further info on this one thread and then everyone can follow your progress easily and offered advice when needed.

 

Chica

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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