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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      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.

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Lloyds tsb


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Hi,

First post so here goes!

I have requested my 6 years of statements and have come up with a figure of £1545. I am close to sending a letter requesting the payment of this but on the template letter it has a bit in red that I am not sure about. What does this exactly mean?

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

How do I find out about my credit rating?

Interestingly

I recently tried changing a loan I have with another company to lloyds to see if they could offer lower interest. They said they couldnt lower it until I improved my financies. I take it that was assessed on my credit rating.

Shall I include it in my letter?

Thanks in advance

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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Hi and welcome! :)

 

Check out Martin Lewis' info on credit ratings:

 

Your Credit Rating: How it works and how to improve it | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

You can get statutory credit reports for £2 or you can sign up for free trial periods with the three main credit reference agencies, but the full details are in the above link.

 

A default is a bad mark to have on your credit file as it shows potential lenders you have fallen behind with payments and are bad at managing money. The part of the letter you refer to only applies to people who have defaults on their credit files that are as a result of bank charegs. The idea being that if it hadn't been for the bank's charges, you would have never been given a default.

 

Unfortunately it isn't always down to things like defaults that you get refused for credit. You can have a low credit rating as a result of no credit history. If you've not had a credit card or similiar products then you won't ahve a lot of activity to show on your credit file.

 

If you're concerned that you may have a default then it's worth checking your credit record. Getting refused for a loan isn't then kind of thing you should add on to your letters for request of repayment.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

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Cheers For that. It has helped me understand that. I didnt get refused a loan they just wouldnt beat the other lenders interest rate.

Cheers

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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Oh sorry - I obviously misread that. Either way you wouldn't need to incldue it in the prelim.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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No problems thank you for the help.

Credit score thing came out well so i dont need to add it.

Cheers

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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When looking through my bank statements I found that I was to be charged a figure £25 i think for overdraft exces fee (Oct 01). On the day they said they were going to take the money they didnt and I cannot find anything on the statements to say did. Could they have deleted it or is it a mistake they made? Should I include it in my figure or keep quiet?

Cheers

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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I am trying to work out my interest using the compound sheet v9. I still find it slightly confusing. I have put in my authorised overdraft figure 16.2% into the the bit that says APR a few lines down from name. Is this right?

My £1545 in charges with 8% interest comes to £1784.31 however with the 16.2% the total comes to £2107.40

Can i realisitcaly claim this?

Do I try and add up my extra unauthorised o/d interest as well or is that what that figure (16.2%) is? My unauthorised o/d rate is 29.8%. Very confused. Read many other posts but some seem to go round in circles confusing me further! (I am a bit Thick as well).

 

I am trying to write the letter detailing the charges (first letter after bank statements being received). I am not so sure about this bit:-

What I require

I calculate that you have taken £1,545.00 plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

I was under the impression that this letter shouldnt state the interest owed on the cost of the fees. What interest should it be?

Sorry to be a plonker but I am trying.

Thanks

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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Read even more posts and thought they contradicted each other. I take it in relation to above post I claim contractual interest which is 16.2% of £1545= £2107.xx or do I add unauthorised od rate 29.8%? Do I add this in the template LBA on the interest bit?

Help:confused:

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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Read even more posts and thought they contradicted each other. I take it in relation to above post I claim contractual interest which is 16.2% of £1545= £2107.xx or do I add unauthorised od rate 29.8%? Do I add this in the template LBA on the interest bit?

Help:confused:

 

Hi,

 

Firstly contractual interest isn't something you have to claim, and if you don't understand what it is or your arguments for claiming it then don't even consider including it to your claim. :) If you are considering it as an option then do a lot of reading up on it and halt your claim until you understand. Contractual interest can be added to your claim in place of statutory (s69 8%) interest, and it is either the authorised or unauthorised overdraft interest rate applied to your account (stated in the T&Cs/contract) of your account. But it's not as simple as claiming for it as an easy way to make extra money, you have to be even more prepared to attend court to argue your case. It may not come to that but it's very important you understand what you are doing and ahve a strong argument

 

I am trying to write the letter detailing the charges (first letter after bank statements being received). I am not so sure about this bit:-

What I require

I calculate that you have taken £1,545.00 plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

I was under the impression that this letter shouldnt state the interest owed on the cost of the fees. What interest should it be?

Sorry to be a plonker but I am trying.

Thanks

 

The overdraft interest that the template refers to is interest you have been charged by the bank. We are entitled to reclaim the portion of interest that only exists because of their charges. For example: you got charged £30 and that charge (and only that charge) took you entirely overdrawn and as a result you got charged the unauthorised borrowing interest rate. Because their charge was the only item that took you overdrawn you would be allowed to reclaim all of the interest they charged you. The spreadsheets estimate the portions of interest that took you overdrawn and tell you what you need to reclaim. I see from an earlier post you are using Mindzai's spreadsheet so to work out the interet paid on penalites (overdraft interest) you can reclaim you need to use the right side of the Charges & Interest tab. It tells you how to fill in this aprt on the notes tab.

 

In all seriousness if you are considering contractual please bear in mind that it's a relatively untested area and you need to be confident if you are going to pursue it. If you want to take the time to understand it, that's fine, and don't feel in a rush to proceed with your claim.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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  • 4 weeks later...

I have taken out a figure of money from this account in the upper hundreds to help with my house move. I have noticed Lloyds TSB have taken the money out of my acccount and then paid it back in. The code is COR. I am hundreds of pounds up in my account!

What does this mean?

Is it an error or is it something to do with the lba sent recently?

Any ideas?

I have decided not going to acknowledge it until after pay day in just under a week anyway!!

 

:lol:

Barclays Prelim 12/4/07 LBA 28/4/07 owed £365 + CI

Lloyds TSB Prelim 12/4/07 LBA 28/4/07 owed £1545 + CI

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  • 6 months later...

It happends to me as well, but a slight difference, i went to a ATM to get some money but it didnt work, after two days a went to a other ATM and it didnt work neither, so i realise that my card was broken, and when i check today the statment it shows the amount of money i was willing to get as paid in, and with the code "COR" i dont know whats going on, but thats is deffenatly a good fact.

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