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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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    • We have finally managed to obtain the transcript of this case.

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Yes, send DG a copy of your schedule of charges and send the court 3 copies.

Bombard DG with these on a regular basis by post e-mail and keep phoning them to get yourself to the top of the pile. "BE A PEST"

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How can I send the court 3 copies? I dont know which court my claim is being done through? Do I send them to the MCOL address?

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Yes, send it to mcol at Northampton it is where all the claims are delt with until it gets allocated to your local court, at the hearing stage if it gets that far.

 

Their address is:

 

The Court Manager

Money Claim Online

Northampton County Court,

21-27 ST Katherine's Street,

Northampton,

NN1-2LH.

 

You have to address all your correspondance to the Court Manager and make sure you always quote your claim number.

 

Phone Number for MCOL is 0845 6015935.

To speed it up you can fax them as well on 0845 6015889.

Always send all mail recorded delivery.

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Cheers Gordylar. Ill get right onto that, thanks for the info. I am about to enter the world of ultimate annoyance DG, watch out!!

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Go for it the more annoying the better sent them a fair few faxes myself and left plenty of messages on all the numbers never actually got through to anyone when I phoned but must have added to their voice mail quite considerably ;) .

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Nice one,

im gonna get on their case big time. How long do you usually have to wait for an offer? Also are HSBC the type to wait until the 13th day before saying that they are going to defend or has it been known for them to let the deadline pass?

I got a letter of confirmation through the post of my claim registration, it says that it was issued on 02/03/07 and deemed served on the 05/03/07 I think, when does the 14 days start from?

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HSBC have acknowledged my claim with MCOL, they now have 28 days from when it was served, I presume this is to say if they are going to defend or not. Correct?

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HELP!!!

 

Ive messed up my MCOL ive put the wrong amount in the charges and interest, I used my old schedule of charges totals with charges from 2000 by mistake. What do I do??? Will the court change the particulars of my claim? Do I have to phone or write to them?

 

Im proper gutted that ive messed this up, please tell me all is not lost?

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relax, deep breath,

did it include all charges up until present ?

if it did then I would leave it as it is because dg will just remove any charges over 6 years from the date of the mcol when they make you an offer. Otherwise you can contact the court and change the amounts, however this will cost you £35

hope this helps.

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spot on - but as gordy said - if your only prob with it is that some of the charges are over six years - just let it go. crusher would even say don't let them knock them off further down the line - he says they won't go to court over it and if you hold out, you'll get them paid.

is that the only prob with the mcol?

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Thanks for your replies you are all a great help!

Ok ill explain.

I have 4 schedules of charges, as follows:

 

1) Jan 2000-Dec 2000 = £623.00

2) Jan 2001-Dec 2001 = £793.50

3) Jun 2002-Nov 2002 = £257.50

 

4) Jan 2002-Jan 2003 = £650.00

 

Origionally I was going to claim from J2000-N2002 = £1674.00 (1-3) which was the figure on my preliminary letter, however I realised that I couldnt claim for schedule (1) J2000-D2000 as it is over 6 years ago, so i cleared them off. I went to the bank and got a load of charges that i had missing from statements for 2002 printed off and made another schedule (4) which replaced schedule (3) I then added this to schedule (2) which = £1443.00 these are the figures that I had put on my L.B.A. For some unknown reason I have used the old schedules that were on my prelim for the MCOL. So my claim is for £1674.00 not £1443.00 as it should be, also I think that the interest will be wrong.

I havent sent anyone any schedule of charges with the 8% interest added yet, It was when I printed out 3 for the courts that I realised the error.

How do I go about changing this with the MCOL? By phone or post?

 

Just one more question, does anyone think that when I change the claim amounts is it worth including the charges from Jan 2000-Dec 2000, as well? Have people been successful with 6+ year claims?

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Right, just spoke to someone called Nicky at MCOL who was very helpful indeed. She said to fill in a new N1 form which can be obtained from this address:

 

Bulk Centre

 

She said to fill it in as I did before but any changes should be written in red ink and underlined.

She then said that I would then have to fill in a N244 form which is much more difficult and to download and print it and to then give them a ring back and they will talk me through filling it in. This would then have to be sent back to them in the post with a cheque for £35 made out to HMCS wityh my case number written on the back. She did however say that it might be worth waiting to see what HSBC are going to do as they might just settle out of court before the due date and that I might be wasting my £35 as I cant claim this back from them. Also this will slow the process down alot.

 

Any Thoughts?

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This response is meant as a discussion, rather than advice!

 

So, it seems you've asked for too many charges (and therefore too much interest) to be returned to you. Surely the actual amount is something which will be negotiated between you and DG/HSBC when they make you an offer.

 

Their offer will say something like "we won't pay anything more than six years old, therefore we offer you £xxx. Also we never pay interest anyway, so there!" And you write back and say "OK, thank you for pointing out that some charges are over six years old, therefore I knock them off my total, and because of this I reduce my interest to £xxx. This amount I will accept in settlement of my claim, etc. etc ......"

 

Therefore, would it be possible to continue with the current MCOL, and be prepared to negotiate down at settlement stage? DG might be quite happy to settle for the real amount you want, because they will think they've reduced your claim by the power of their argument. Why disabuse them? You get what you want, they think they've been clever. Comments?

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I think this approach is fair enough saves a lot of hassle until it really matters.

 

 

Mate, I agree with you, I think its worth waiting and if it comes to it I can fill in the N244 form if theres no other option, I would have thought that HSBC will send me an offer well before then though. Even if I tell them that the N244 is en-route to the court for the correct amount, eh?

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Also we never pay interest anyway, so there!"
is this true?

 

And you write back and say "OK, thank you for pointing out that some charges are over six years old, therefore I knock them off my total, and because of this I reduce my interest to £xxx. This amount I will accept in settlement of my claim, etc. etc ......"
seems like a great idea!

 

Therefore, would it be possible to continue with the current MCOL, and be prepared to negotiate down at settlement stage? DG might be quite happy to settle for the real amount you want, because they will think they've reduced your claim by the power of their argument. Why disabuse them? You get what you want, they think they've been clever. Comments?
I agree, this is what im going to do I couldnt have worded it better myself! What I was also thinking was when I send them a copy of my schedule of charges (the correct one, with the lower total) they might look at this and compare it to the MCOL figure and think, hang on a second hes messed it up here hes asking for a lower amount, I know well settle before he notices! LMAO!
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NettyG, VeryTrying, givememymoney and Lateralus thank you all for your help on this problem. It is much appreciated!!

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