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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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This will be the 3rd time I have gone up against the banks. This time though the Yorkshire Bank has a policy of charging £5 for every day I am past my overdraft limit. In some cases this has amounted to £25 for 5 days I was past my limit. Surely I could claim this back for being unreasonable? Pity you cant go back past 6 years as I was a bit careless in my youth.

 

BigZ

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Of course you can claim it back...it's yours and you obviously know the proceedure as you have been here before but good luck, I hope it's quick and painless!

 

The small amounts do add up and every penny is yours no matter what, so when you get it back, treat yourself :)

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It seems even more clear in this case that this is a penalty charge - they don't incur the same cost anew every day you are over your limit. There's no threshold for charges below which you cannot claim, so get adding up those fivers!

... a little

Mahala is a powerful thing ...

 

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Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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  • 4 weeks later...

I recieved this letter from my Branch Manager after sending my LBA.

 

'I refer to your letter received on 13/06/06. I note that from your letter that you feel excessive chargess were applied to your bank account during the last six years.

 

During this time, the relationship between you and the bank was governed by the Bank's standard terms and conditions. Those terms and conditions provided that:

 

1. Free banking is available while your account remains in credit or within an agreed overdraft limit.

 

2. You must obtain the Bank's agreement before overdrawing on your account.

 

3. If the Bank made payments from the Account or paid cheques which were guaranteed by the associated cheque guarantee card when there were insufficient funds available, any overdraft created by any overdraft which exceeded an agreed overdraft limit would be unauthorised.

 

4. If you drew cheques or authorised or made payments without sufficient money available in your account, taking account of any overdraft limit and allowing for uncleared cheques, the Bank, might return the payments and make a charge for doing so.

 

5. Charges and interest applicable to the Account were published in the form of tariffs and up to date tariffs were available in branches and from time to time enclosed with bank statements.

 

6. Where appropriate, written details of overdraft charges and debit interest incurred on the account during the previous charging period (i.e, the previous month) would be sent to you at least 14 days before the charges and interest were deducted from your account.

 

7. If the account has an unathorised overdraft, additional charges might be levied which would be debited to the account on the day on which the unathorised overdraft was created.

 

8. If the Bank increased a charge for a basic account service, the bank would give you at least 30 days notice.

 

I would note that the Terms and Conditions complied with all relevant requirements of the Banking Code.

 

You are responsible for the running of your account, and for ensuring that sufficient funds are in your account to meet standing orders, direct debits and cheques which you have created of drawn on the account. As stated in the Terms and Conditions governing your account with the Bank, you are aware that charges will be incurred if insufficient funds are in your account on the dates the payments you have instructed with the Terms and Conditions, as result of your operations of your account.

 

Further, the terms and conditions were fair having regard to the following matters:

 

a) The cost to the Bank of maintaining administrative systems relating to the unathorised overdrafts, unpaid cheques and direct debits and abuse of cheque and debit cards for the purpose of keeping the level of overdrawing under review and controlled as far as possible.

 

b) The increased risk of loss to the Bank arising from such unathorised transactions and the associated cost of enforcement and recovery systems.

 

c) The need to operate standard procedures and to set standard charges in order to avoid the substantial costs of individual assesment in relation to each particular case.

 

Taking all of the above into account and having regard to the information that you have given, I am not prepared to refund the charges on your account.

 

I have enclosed for your information a copy of our internal Complaint Handing Procedures. These procedures confirm how to pursue your complaint if you remain dissatisfied with the response and how to refer your complaint to the Financial Ombudsman Service if we cannot resolve the matter.

 

If we do not receive a response from you within eight weeks of the date of this letter, your complaint will be considered closed.

 

If you have any additional information that you wish to provide please let me know.

 

Yours sincerely

 

Branch Manager'

 

Obviously I am not very happy with the handling with the complaint and will be entering a MoneyClaim instead to the branch rather than follwing the advice given above.

 

Whats more this Branch Manager will be recieving another Prelim leter for my VISA account by Tuesday. That should brighten her day.

 

BIGZ

 

PS another donation coming soon.

 

MODERATED threads merged , please keep to your original thread when updating as this makes it easier for everyone who is following your claim

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Tosspots.

 

It seems almost stupid that they are still denying claims right upto the point that you add 8% interest and court fees. Unless a high percentage of people say "oh well, at least I tried", it's just wasting their time *and* their money.

 

Go get 'em!

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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I think that is the same word for word as the one I had from Customer Services. I am also off to Moneyclaim.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Tosspots.

 

It seems almost stupid that they are still denying claims right upto the point that you add 8% interest and court fees. Unless a high percentage of people say "oh well, at least I tried", it's just wasting their time *and* their money.

 

Go get 'em!

 

I can't help but wonder what the shareholders might think if they wait until extra charges are added to a significant amount of claims.

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

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twice in 5 days i got that

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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It's the usual scare tactic letter. Every bank does this in the vain hope that people back off. They try to confuse people with all the "legal" speak. Little do they know that we have help from people on here that speak better "legal" lol

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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  • 2 weeks later...

Recieved a reply from YB today. They intend to defend the claim. I was hoping they would just rollover and payup.

 

Is this just another scare tactic and have they tried this on with anyone else?

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They are defending both mine and Trundlecats cases - I've just received their defence today actually, so I'll have to try and get my head round what they've put. At a glance, I haven't the foggiest lol.

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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I got a letter from the court today with a form completed by YB solicitor saying they intend to claim too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I am still waiting on the defendant's defence, but if this does end up in court is it possible to claim expenses for time taken off work?

 

Good luck Caro, Trundlecats and Pjdudley I will be watching your threads with intrest. Give em hell.

 

Bigz

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Small Claims works on a 'no costs' basis so you wouldn't be able to claim expenses. This is also for your advantage as if you lost you wouldn't have to face a legal bill from the bank running into tens of thousands of pounds.

 

But it's very unlikely to actually end up in court anyway so don't worry.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 3 weeks later...

Yorkshire Banks Defence

 

3. At all material times the contractural relationship between the Claimant and the Bank was governed by the Bank's standard terms and conditions for current account customers from time to time in force. Further at all material times those terms and conditions provided that:

1) the Claimant must obtain the Bank's agreement before overdrawing on the Account;

2) if the Bank made payments from the Account or paid cheques which were guaranteed by the associated funds available, any overdraft created or any overdraft which exceeded an agreed overdraft limit would be unathorised;

3) if the Claimant drew cheques or authorised or made payments without sufficient money available in the account, taking account of any overdraft limit and allowing for uncleared cheques, the Bank might return the payments and make a charge for doing so;

4) charges and interest applicable to the Account were published in the form of tariffs and up-to-date tariffs were available in branches;

5) where appropriate , written details of overdraft charges and debit interest incurred on the account during the previous charging period (i.e., the previous month) would be sent to the Calimant at least 14 days before the charges and interest were deducted from the Account;

6) if the Account had an unathorised overdraft, additional charges might be levied which would be debited to the accoun on the day on which the unauthorised overdraft was created;

7) if the Bank increased a charge for a basic account service, the Bank would give the Claimant at least 30 days notice.

 

The Bank will refer at trial to the terms and conditions from time to time in force for the full terms and effect.

 

4 At all meterial times the Claimant had an agreed overdraft facility in relation to the Account.

 

5 At all material times the Bank's tariffs of charges for the current account customers set out the charges from time to time applicable pursuant to its standard terms and conditions in respect of:

1) unauthorised overdraft daily fees;

2) unauthorised overdraft monthly fees;

3) unpaid cheque or direct debit charges;

4) card abuse fees (payable where cheque or debit card is used to guarantee a transaction and payment would have been refused but for the guarantee).

 

The Bank will refer at trail to the tariffs from time to time in force.

 

6 During the period from June 2000 to April 2006, the Bank charged the Claimant with charges of the kind specified in paragraph 5 above at the rate at which such charges were from time to time payable under the applicable tariff ("the Charges"). The Charges amounted to the sum of £515.50.

 

7 It is denied that the Charges or any of them were a disproportionate penalty and unenforceable as alleged in the Particulars of Calim. The Charges were a genuine pre-estimate of damage resulting from the Customers failure to keep within the agreed overdraft limit on the account.

 

8 It is further denied that the charges were levied pursuant to a contract term requiring the customer to idemnify the Bank within the meaning of section 4 of the Unfair Contracts Terms Act 1977. In the premises section 4 of that Act has no application in these proceedings.

 

9 It is further denied that by virtue of section 15 of the Supply of Goods and Services Acts 1982 the amount of the Charges falls to be determined by reference to what is reasonable.

 

10 It is further denied that the terms and conditions requiring the claimant to pay the charges were unfair terms within the meaning of the Unfair Terms in Consumer Contract Regulations 1999, S.I. 1999 No 2083. Without prejudice to the generality of the foregoing:

1) the terms and conditions were fair having regard to the following matter:

a) the cost to the Bank of maintaining administrative systems relating to unauthorised overdrafts, unpaid cheques and direct debits and abuse of cheque and debit cards for the purpose of keeping the level of overdrawing under review and controlled as far as possible;

b) the increased risk of loss to the Bank arising from such unauthorised transactions and the associated cost of enforcement and recovery systems;

c) the need to operate standard procedures and to set standard charges in order to avoid the substantial costs of individual assessment in relation to each particular case;

2) the terms and conditions complied with all relevant requirements of the Banking Codeas the Banking Code was in force from time to time.

 

11 In the premises, the Claimant is not entitled to relief sought or to any relief.

 

Your comments are most welcome. Is their any guidence for filling in the Allocation Questionnaire(It looks straight forward but would like to make sure).

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This looks to be the standard defence Bigz, nothing to worry about. Try this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html for help with filling in the Allocation Questionnaire - it's all I used. The only thing extra which I added was a breakdown of how I'd worked my charges out, cos their schedule varied slightly to mine

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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  • 4 weeks later...

Recieved letter from YB this morning. They are offering a settlement of £750 for both my VISA and bank account.

 

Am going to hold out for the £1100.30 they actually owe me in total. But its good news it seems like their starting to crack.

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Your thoughts on this rejection letter would be appreciated.

 

Dear Ms Ross

 

Thank you for your recent offer of £750 , I must inform you that I will not be accepting this offer. As outlined in my earlier correspondence I explained that the charges you have applied to my account constitute a penalty and therfore contrary to the Unfair Terms in Consumer Contracts Regulations 1999.

 

To halt legal action and any further costs being incurred, it will be in your best interest to refund in full the total balance including bank charges, court fees and intrest totaling £1100.30 forthwith.

 

Yours sincerely

 

BigZ

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  • 1 month later...
  • 1 month later...
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