Jump to content


  • Tweets

  • Posts

    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
    • you would most probably have to raise a court claim naming the dealership and the finance co as joint defendants. you'd win hands down. @BankFodder is best for confirming this. you don't 'contact them' you WRITE expressly exercising your right under CRA, etc as above.
    • Thanks for the reply do you think it’s just a threat for the 14 days or they will send court letters 
    • That’s great, thank you so much. We will contact Doves and the finance company again and hope they will resolve it. Out of interest, where would we stand if we did pay the costs? Would we then be able to claim that back or should we just wait for a response from them before we take the car back from Mercedes?     
    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Fran1380 v halifax - help!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6198 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

Right..:confused: story so far, I got my statements through and sorted all that out then sent my prelim letter and had no response within the 14 days so I sent the LBA and then a week after that I got the letter from Halifax saying they have 40 days or whatever it is (yeah right!) to get back to me. I assumed this was responding to my first letter. Now the 14 days are up on the LBA letter. now do I wait abit longer seeing as we seem to have crossed wires or just go straight into the moneyclaim form?? also is this the stage where I include the interest on top?

Thanks in advance!

Link to post
Share on other sites

Hi fran,

Just carry on. You dont need to give them exta time. They have had enough time already to pay you.

 

You might as well carry on and get your little extra...:D

 

Yes this is the stage you add the interest.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

  • 2 weeks later...

hi

I havent done the above yet as I have been really poorly! will it affect things as I havent done it 14 days after the last letter? i dont want them to get away with it because of me being ill!!

Link to post
Share on other sites

Also....what is the difference between the "Interest" and the s.69 cc act interest? the only interest i have is the one that is worked out on the schedule of charges spreedsheet!

Link to post
Share on other sites

so i just leave that bit blank about solicitors?

 

sorry i am not too good with figures so I am confused about the interest bit. so the "Interest" bit is the column that is worked out for you on the schedule of charges spreedsheet? how do i work out the other 8%

Link to post
Share on other sites

so it would be less complicated to put in just the cc act interest? also when it has the sum you want to claim back do you put in just the charges or add the interest on top of that?

Link to post
Share on other sites

how do I work out this bit? esp if i do not include the overdraft interest??

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

Link to post
Share on other sites

If you used the Simple s/s, the interest that this calculates is the s69 8% interest

 

 

 

VALUE

Charges £xxx.xx

Overdraft Interest £xxx.xx Delete this line

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day (enter daily rate here - Just your CHARGESx 0.00022 = pence per day) OR at such rate and for such periods as the court deems just.

Link to post
Share on other sites

stolen from another thread:

Calculate the whole amount you are claiming from the bank

Then you need to calculate the daily rate of interest (at 8% p.a.) that is to be added to the amount you are claiming. This is the claim amount multiplied by 0.00022. That gives you the daily rate which is added to your claim each day after you send int the claim form until the claim is paid by the bank or you get a court judgment in your favor.

 

So, if you are claiming £1500 to find the daily rate:

1500 x 0.00022 = 0.33

 

So the daily rate is 33 pence per day.

 

Say it takes the bank 70 days to pay up when they settle you will require your claim to be paid PLUS 33 pence x 70 = £23.10 PLUS your claim fee paid to the court.

Link to post
Share on other sites

  • 2 weeks later...

HELP!

I got the good old "full and final" settlement letter on friday, it was dated 11th April. I sent a rejection letter (will accept as partial payment) on monday marked urgent as in the letter it said if havent heard in 14 days they will assume its all ok. well i have just checked my bank account and the offer they gave me is in the account...the 14 days were definatley not up. do you think they are treating it as partial payment or put it in account before getting the letter???!!

am worried wont get the full amount now!

Link to post
Share on other sites

can someone help me please?!! :-(

I am not sure what I do now. I have received the part payment but I am still owed about 600. when the 14 days are up (from the rejection letter) do I the put the claim through the court for the remaining 600 AND the interest on the whole amount on the spreedsheet or just work it out for the 600 owed? help I am confused!!

Link to post
Share on other sites

They might have put it in the bank when they sent the "full and final" letter, sometimes they do this...

 

Which rejection letter did you send?

 

 

I am at the same stage but I no longer have the account so they said they would send a cheque after the 14 days.

Link to post
Share on other sites

well I got the letter on the friday and the money the following Thursday. It just says "cash" on my bank details but I am assuming its them as it wa the exact amount they had offered. I just dont know how I deal with the rest that is owed me??

did they only offer you some of it?

Link to post
Share on other sites

Are you using a spreadsheet from this site?

If you put the payment as a minus figure, it will produce a minus interest figure too

 

also do I need to put on the moneyclaim form anywhere that I have had partial payment?

No because you will only be filing for the remaining total and the schedule will show the part payment.
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...