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    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • This is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
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nima vs hsbc


nima21
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Thanks - again!!! Gave me an option to put the proper address in i.e. 8-16 Canada Sq so opted for that....saved it now and will finish in morning..

do pls stay in touch and let me know if you hear anything ..we gotta do the superglue thing ...!!:)

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if you want to add daily rate - you need to put it in your particulars

total of claim xxxx+ xxxinterest + xxp/day until settled.

 

and you figure the daily rate like this:

claim figure x 0.00022 = daily rate

so, for example claim is £2222.. daily rate would be: 49p/day

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Thanks nima - so ie my claim is 4313 + 86.00 interest [the 8% interest at present is 1521 on penalties and 15.00 on interest] = 5935 total so if i just use the 4313 + 86 then the .00022 per day applied by the courst will arrive at the same figure i.e. 5935 [i'm assuming 365 days x 6 years x .00022] is that correct??:|

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actually its charges alone -not the 8% interest - so 4313 + 86 = 4399x0.00022= 97p per day from the day you file until the day it is settled.

so your charges are 4399 + 1566 int + 120 court filing fee + .97 per day from the date filed to the date settled (add the first three for your breakdown) then put the last sentence "plus daily rate....."

if you want daily rate you need to squeeze it into the particulars.

hth

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mcol submitted saturday so showing requested 5/5/07 - do I PM a mod now? and also send 2 copies of schedule plus charges to the courts [do I include the 8% one?] at what stage do I send schedule and charges to DG? Any help - thanks in advance ..charliedog:rolleyes:

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you should post 2 copies of your schedule to the Northampton Bulk Processing Centre the day you issue your claim, so that the schedules can be served with the court papers.

and yes, include the interest.

Send DG a copy also.:)

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Thanku freaky - its just that when u read various threads some say don't send anything to DG until Notice of Issue or Acknowledgement so was bit confused....have just posted - recorded two copies of schedules of charges inc 8% upto date of filing - cos from then on the courts will apply the [x] 0.00022 p d to the charges approx .95p a day won't they? But I don't suppose it hurts to let DG know by letter and schedule that action is underway...hey hey hey !!! Thanks freaky .... charliedog:p [Linda]

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you're right - we usually wait until the acknowledgment to send dg a copy - they say they are defending and give an address on page 2 - so we respond by sending a breakdown.

on the breakdown - to save doing a new figure everytime - just put:

charges xxxx

8% int. xxx

court fee xxx

TOTAL: xxxx plus xxp/day from xx/xx/xx (date you filed the claim) until settled.

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hi all, just brought a new pc lol

just checked on mcol and it says my claims been Acknowledged.

so what now? im sending my charges to the courts 2morrow,i know i should have sebnt it with my claim but it was all on my old pc which wasnt working so couldnt print it off

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well you've got your letters to the court & dg sorted so now you can just sit back & wait for them to put a defence in. they usually do it at the last moment so you can relax for a bit. this bit will seem to drag but remember good things come to all who wait :)

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god no, im having ex gf problems at the mo, shes turned into a freak so im staying inside for my own safety lol

work 2morrow night then out on thursday

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I can see you're gonna be restless

 

just checking though as I just readback through this thread- a letter and copy of SOC needs to go to DG once you receive your notice of acknowledgement from the courts (address on p.2) have you done this yet?

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