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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.  
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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.

      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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un1boy v HSBC - SETTLED!


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Well, got this reply from the HSBC secure emailing system today:

_____________________________

Thank you for your e-message received 17 June 2006.

 

I have forwarded your e-message to the relevant department who will contact you direct.

 

Please do not hesitate to contact us, should you have any further queries.

_____________________________

 

So, at least I know they have received my letters and realise I'm not playing games. These are all being kept, what evidence?

 

I'm still waiting for my Credit Card Statements though - the original request was sent 03.05.2006. I got a reply from them dated 15.05.2006, containing my cheque so I am going to count the 40 days from 05.05.2006. I think that's fair enough. That means they are nine days overdue. I am sending the template three letter from the DPA seciton tomorrow, recorded delivery of course!! ;)

 

Keep you posted.

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hey guys, I'm sending the following letter for their breachj of the DPA:

_________________

 

You have failed to comply with my Data Protection Act (DPA) Subject Access Request dated 03.05.2006. The DPA states the information requested must be supplied within 40 days. As you of today you have had 47 days in which to comply. I have also sent you a follow-up letter dated 05.06.2006, which was received by HSBC 07.06.2006. As of today, I have not received any response to that letter either.

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice. Therefore, I expect you to comply by 26.06.2006.

____________

 

Does this sound okay, or should I put a "clause" in it stating that if they have already replied then that is fine?

 

Do you think I should send them a letter because they only sent me the last 6 years, and only statements, rather tahn EVERYTHING. Or do you think I should just leave it and be happy with the 6 years statements? I asked for any notes etc on account history too, using the standard template DPA request.

 

I'm not sure what to do about this really.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hey guys, I'm sending the following letter for their breachj of the Data Protection Act:

_________________

 

You have failed to comply with my Data Protection Act (DPA) Subject Access Request dated 03.05.2006. The DPA states the information requested must be supplied within 40 days. As you of today you have had 47 days in which to comply. I have also sent you a follow-up letter dated 05.06.2006, which was received by HSBC 07.06.2006. As of today, I have not received any response to that letter either.

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice. Therefore, I expect you to comply by 26.06.2006.

____________

 

Does this sound okay, or should I put a "clause" in it stating that if they have already replied then that is fine?

 

Do you think I should send them a letter because they only sent me the last 6 years, and only statements, rather tahn EVERYTHING. Or do you think I should just leave it and be happy with the 6 years statements? I asked for any notes etc on account history too, using the standard template DPA request.

 

I'm not sure what to do about this really.

ok the template letter asks specific requests, i.e any evidence of manual intervention, which they have failed to disclose, so dont worry about that, however if you try and take the bank to court because they havent sent you everything and any beyond 6 years, youre going to look silly , as the bank has complied with your dpa request exactly as you asked, so , tot up your charges and proceed to step 2 please

 

you have to know exactly what you are doing here, or the banks will capitalise on any ignorance, re-read the faq's , step by step guides and any completed actions by forum mebers unitl you have it clear in your mind what you require to succeed

 

(do no pass go, do not collect £200)

 

that is all thankyou :)

HSBC- £4995, settled payment in full

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Unsure about what to claim, or confused about overdraft interest? Charges explanation

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No, no, I haven't sent this yet. I have sent my prelim - I'm just concerned because I asked for both my current account AND credit card statements in my first request. They sent my current statements, but not my credit card ones. I also sent them a follow-up letter, which they still haven't replied to!

 

My credit card has the most charges on it. It's been 47 days and they haven't sent me my credit card statements still, even after my follow-up letter.

 

I want to send them the other letter, saying that, although I have received some information, they failed to send me my credit card statements and confirm manual intervention for that account. I think they are dragging their heels with this, and I just want to give them (another) nudge.

 

Do you think I should push them on the DPA thing for my credit card account? They have until Thursday (22.06.2006) to reply to the premlim, then its the LBA - so the current account claim is sorting itself.

 

Just don't know whether to request the credit card seperatly again!?

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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i think you may have to be having a word with mr dpa commisioner about this one actually, however it might not hurt to sent a quick letter off to ask if they actually read the letter in question , in regard to requesting two sets of information, but you may have to out in an official complain to the ombudsman if you get no joy

HSBC- £4995, settled payment in full

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Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Ok, cool. Do you see where I'm coming from with this one now? It just annoys me, that;s all - they;ve confirmed they;ve receievd both letters, so I knwo they've got em.

 

So, you suggest that I write a letter to the Information Commissioner first, or send this one to HSBC?:

________________________________________

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated xxxx. The disclosure of personal data is incomplete in that at least the following documents are missing:

1) You have failed to provide a complete list of transactions and charges since my credit card account’s inception.

2) You have provided no notes, or documents relating to instances of manual intervention.

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

As of today you have had 48 days in which to comply. I have also sent you a follow-up letter dated 05.06.2006, which was received by HSBC 07.06.2006. As of today, I have not received any response to that letter either.

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. In order of fairness, the 7 day deadline will commence from the day HSBC receive this letter, as confirmed by the Royal Mail's Recorded Delivery Service.

_________________________

I just don't want to send another request, when they have clearly breached the DPA!

 

Thanks for advise.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Right, just called HSBC to see if they have replied to my DPA follow-up letter and e-messages before I send the breach letter.

 

I was told by the adviser that they have been waiting for the original date I sent my DPA request, and the follow-up letter! I told her the dates and she said someone was looking into it. I explained that as they have had 48 days, I would be issuing the letter below, giving them 7 days to comply. Then she told me I had to call the debt collector who holds my account and I told her that HSBC were the Data Controller, not Metropolitan. And also, I couldn't understand why HSBC sent my my current account statements, but Metropolitan need to send me my credit card ones - even though both accounts are held with Metropolitan!

 

Well, here's the letter I'm sending recorded delivery today:

 

____________________________________________________

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 03.05.2006. The disclosure of personal data is incomplete in that at least the following documents are missing:

1) You have failed to provide a complete list of transactions and charges since my credit card account’s inception.

2) You have provided no notes, or documents relating to instances of manual intervention.

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

As of today, you have had 48 days in which to comply. I have also sent you a follow-up letter dated 05.06.2006, which was received by HSBC 07.06.2006. As of today, I have not received any response to that letter either. I have also sent two e-messages through www.hsbc.co.uk Internet Banking Service. I made a telephone call today to see whether my information had been sent, however was advised by Zari that you have been waiting for the date that I sent the original request. After I explained that no-one had called me to request this information and that I would be sending this letter, she advised me I would have to call Metropolitan Collection Services. I find this somewhat contradictory, as you complied with my request for my current account statements and as a Data Controller under the Data Protection Act is sufficient for me to ask for this information from HSBC, not Metropolitan.

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. In order of fairness, the 7 day deadline will commence from the day HSBC receive this letter, as confirmed by the Royal Mail's Recorded Delivery Service.

________________________________

I'm a bit scared now, to be honest. I don't want HSBC to think that they can drag their heels, I want them to knwo I'm serious. As for the Information commissioner, is there one per organisation, or is he someone independant? Should I send him a copy of this letter as well?

Any advise would be greatly appreciated!

Thanks

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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I'm a bit scared now, to be honest. I don't want HSBC to think that they can drag their heels, I want them to knwo I'm serious. As for the Information commissioner, is there one per organisation, or is he someone independant? Should I send him a copy of this letter as well? Any advise would be greatly appreciated!

Thanks

My own suggestion would be to focus on your claim, and getting your charges back. You can deal with other issues at a later, less hectic stage, and also with the knowledge that you have beaten the bank already.

 

75% of your action is about confidence - knowing that what you are doing is right, that you have prepared yourself well, and that others are there to assist when needed.

 

Once you have had your money refunded, you will be in this position, and better able to tackle the other issues...

 

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Thanks Spiceskull, that's made me feel better. They are tryiong to stall - they have until thursday 22.06.2006 to reply to my prelim, lol. Then it's the LBA! I'm really thinking this one will end up at the moneyclaim point at least!

 

Scary! But I've been reading through this forum so have a bit of confidence/excitement at the same time.

 

I'll let you know how it all goes anyway.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well guys, tomorrow is the last day they have to reply to my Premlim. Im writing the LBA now, ready incase I don't receive it tomorrow. Should I defo give them an other 14 days, or should I wait 7?

 

Thanks.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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If your timetable said tomorrow - stick to it. Your LBA should also give them 14 days before you raise your claim. Be reasonable, try to give them sufficient time, then sue them into submission...

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Well, it's all getting interesting now!

 

Lol, well - today (the 14th day) I received, as expected, the usual fob letter - The bank doeas agree with your contention that the charges constitute a penalty....blah blha...Our fees and charges are clearly stated in the terms and conditions....blah blah....pleas wirte to the ombudsman.....

 

Well, LBA printed, but I can't send it 'til Monday 26/06/2006 beacuse I'm not at home and don't access to teh charges list - doe sthis matter, or should I send the letter today, without the schedule?!

 

I'm going to set up my claim with moneyclaim now too, just so it's ready!

 

Any advise greatly welcome....

 

Thanks guys, I'd have given up after this letter if it wasn't for you!! :-D

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Good Point. I've not sent the LBA yet though - this is the response to my premlim letter! lol. Do we need to send a list of the charges? Or I guess I should wait?

 

I just want to keep to my timetable as musch as possible, you know?

 

Thanks again.

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You need to print of the list of charges, dates applied, and what the charges were for. At this stage (LBA) you do NOT need to send the interest calculations. This ONLY happens when you raise the claim.

 

Expect them to make an offer before you raise your claim, but don't expect it to be for the full amount.

 

Good luck,

 

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Nice one, thanks Spice - so if I just print off the lsit of charges from the spreadsheet on Monday and send it then?

 

Does it matter that I'm gonna have to wait 4 days to send the LBA? I'm just worried that if I stray from my timetable it might effect any claims? Or should I send them an e-message from the internet site and tell them, out of courtesy I'll give them another 4 dyas?! lol

 

This site is so getting a donation when I get my cash! :-)

 

Thanks

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Honestly, Monday will be fine, it won't affect your claim at all.

 

Of course it's a good idea to stick to the timetable, but it not written on tablets of stone. It's better to delay slightly and get it right.

 

Emailing them won't make the tiniest difference. Don't bother

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Ok, cheers mate! I'll wait til Monday then!

 

Keep you posted!

 

:)

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well, my fantastic housemate is emailing me the charges doc!!

 

So, just to clarify, I'll send the LBA tomorrow but when I enter my details on Money Claim - what do I put in the Particulars of Claim form?

 

I read somewhere that this is what we have to wirte:

_________________________________________

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}.

___________________________________________

 

But I'm not too sure.

 

Any ideas?

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On moneyclaim you are limited to 1080 characters and 24 lines

This should fit, but might need tweaking

 

Claimant has account (A/C No) with Defendant from (Date)conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date) to (Date) of (£0.00) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00).

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If you are sending the LBA tomorrow, I would wait before even preparing an MCOL page - whilst not wanting to sound sympathetic, you do need to give the bank a chance to respond to the LBA...they deserve that much at least!

 

That aside, you will need to mention interest on your claim, as well as consider any part-offers the bank has made and you have accepted (if any).

 

Take a breather...these things run their own course, and you do not need to do everything yesterday...:)

 

Did you have any luck with sources for your Uni project - I'm still keen to see it.

 

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Cool, thanks for that!!!

 

I've got my schedule of charges, which I'm sending today with my LBA letter. I have been sending my letters to my Branch, but have received the decline letter from an address in Arlington. Should I write back to the address and person that "signed" the decline letter?

 

I want to write to my branch, just for consistency.

 

Thanks guys.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

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Thanks Spice, just seen your last post - you're right, I'll wait.

 

As for my uni project - I haven't much luck with that at the moment. Al my stuff is in Manchester, but I've been back home in Berkshire the last few weeks. I've been looking through the online info I;ve got, but I;m trying - I'll keep you posted!!

 

:)

 

Thanks.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, LBA sent so I'll let you know when they reply and what they offer!!

 

Spice - I have tried accessing my uni account online, but the intranet is not available now until 26.06.2006 so I'll let you know if I can find anything when it is back up and running!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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S'Cool. :rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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