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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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Hi Dave

 

all they sent was those docs that i posted and a years worth of statements from the credit card, I did ask for both the credit card and bank statements but they seem to have just forgot about the bank statements.

 

I'm going to have a good read through your thread now dave, thanks for the links you supplied! Any ideas what I would write in the letter? Just because I can get that posted tomorrow.

 

I keep going over the CCA they sent and i can definately see no

 

there is no credit limit

no rate of interest (or apr)

no repayments schedule

no rights of protection

no default charges

 

that you mentioned! I've just noticed that on the first page after the solicitors letter that I posted on the second section where it has facilities and then "mastercard" it says credit limit on the bottom line then further along it says ACCEPT then requested NONE, offered 500, accepted 500 maybes that could be it?

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sorry to go on, what shall I do about the statements that I received? are Credit Card statements differen't to Bank Statements, the reason I ask is because it does not have overdraft charges etc etc, all it has on each statement are:

 

INSURANCE PREMIUM (then £32.00 for example) then further down the page it says SUMMARY OF INTEREST ON THIS STATEMENT

 

Interest on Standard Balance (cash) at 1.167% per month 19.00

Interest on standard balance (purchases) at 1.167% per month 18.70

Total interest charged on this statement 37.70

 

dunno what this means.

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Once again Dave you are a star!!

 

Neal, you are charged different rates of interest for purchases and cash withdrawals. It is usually a higher rate for cash withdrawal. So your total interest charge is made up of the two rates.

 

As Dave has said the agreement is unenforceable as it doesn't meet the min requirements as laid down in the Credit Agreement Act so they are unable to enforce the debt until they can produce a valid document.

 

I would write to them as Dave has suggested and remind them of their obligations.

 

I too am going away this weekend so I will catch up with you next week when I get back.

 

Take care

 

Lan

No one can make you feel inferior without your consent :)

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Lan, your going to think i'm a reet ferret :roll: , firstly thank you for your post, is this letter ok??? obviously i'll change it a bit but i have a few questions afterwards...................

 

 

 

Thank you for the information you sent following my request under the CCA 1974.

 

However, I made a request to you on .... for a copy of the executed agreement applicable to the alleged debt. Under the CCA s77/78, you are obliged to send me a true copy of the actual credit agreement but have only sent me a copy of the initial application form.

 

A regulated credit agreement contains all of the prescribed terms, other required information and statements of my statutory rights.

 

I would therefore be obliged if you would send me a copy of that document as soon as possible.

will I also add on that i requested the SAR for the bank account details too and that Iam still waiting?

then will I wait until I hear from them again before doing anything with the charges?

Also sorry Lan, but bit confused about the charges you mentioned?

you are charged different rates of interest for purchases and cash withdrawals. It is usually a higher rate for cash withdrawal. So your total interest charge is made up of the two rates.

so what exactly can i claim back from this?

Thank You

Also if I don't hear from you before have a great weekend! I'm off to Wales to visit the family, not looking forward to the drive here from newcastle.

 

 

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Hi Neal

 

No I don't think you're a "reet ferret"! we have all had to learn this at some time or other and believe me I'm still learning! :) Which was why I asked for Dave's advice.

 

The charges you can claim back are charges that are added to your account for late payments, going over your limit etc and any interest added onto those charges, if there are any of those on your statement you will be able to claim those back. As it stand at the moment they are unable to enforce any of the debt as the agreement doesn't stand up. So I wouldn't worry to much on that at the moment.

 

With regards to the bank statements, they have 40 days to comply with your request under the S.A.R - (Subject Access Request) you sent, but a gentle reminder wouldn't hurt. Also you can remind them that they haven't supplied you with all your credit card statements.

 

I hope this clears things up a bit, and have a good weekend, I'm off to a family wedding in Edinburgh so really looking forward to it, but not the drive up!

 

Your letter looks fine btw

 

Lan

No one can make you feel inferior without your consent :)

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Lan again thanks, but now a bit confused over whos dealing with what?

 

When I CCA'd the debt from MCS it was both the bank account & Credit Card (2 seperate account numbers)

 

Now DG are responding with just the Credit Card Account number and not the Bank Account number.

 

I know that I send the letter about the CCA to DG, but do i also remind them about the S.A.R - (Subject Access Request) (bank account) or do I treat the 2 as seperate? and send one to DG and remind HSBC of the SAR of just put it all in one letter and send it to DG?

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Thank you for the information you sent following my request under the CCA 1974.

 

However, I made a request to you on 30/04/07, you received this on 01/05/07 for a copy of the executed agreement applicable to the alleged debt. Under the CCA s77/78, you are obliged to send me a true copy of the actual credit agreement but have only sent me a copy of the initial application form.

 

Be also advised that your statutory time period has elapsed and you are now in default as the required time to supply this has elapsed the 12 working days, after one month from the end of the period allowed you will have committed an offence.

 

As you are now in default NO further action can be taken on this account until such a time as the original SIGNED EXECUTED documents are made available to me and until you supply the correct paperwork you have to cease all recovery action and should not pass any data onto third parties, as the data may be inaccurate and in contravention of the data protection act.

 

A regulated credit agreement contains all of the prescribed terms, other required information and statements of my statutory rights.

 

I would therefore be obliged if you would send me a copy of that document as soon as possible.

 

May I also take this opportunity to remind you of the S.A.R (Subject Access Request) for both account numbers that was sent at the same time.

 

Thank You

 

 

what do you think of this?

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Lan, your going to think i'm a reet ferret :roll: , firstly thank you for your post, is this letter ok??? obviously i'll change it a bit but i have a few questions afterwards...................

 

 

 

Thank you for the information you sent following my request under the CCA 1974.

 

However, I made a request to you on .... for a copy of the executed agreement applicable to the alleged debt. Under the CCA s77/78, you are obliged to send me a true copy of the actual credit agreement but have only sent me a copy of the initial application form.

 

A regulated credit agreement contains all of the prescribed terms, other required information and statements of my statutory rights.

 

I would therefore be obliged if you would send me a copy of that document as soon as possible.

 

 

not bad for starters... but I would now certainley put in that the time limit has expired, and they are not allowed to further any actions until they do supply the proper agreement.....etc

 

might just panick them

 

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Dave

 

wow your thread, I wouldn't know whether i was coming or going with everything that your doing! Also I love your letters, no one better mess with you!!!! so glad I got you on my side :D

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Dave

 

wow your thread, I wouldn't know whether i was coming or going with everything that your doing! Also I love your letters, no one better mess with you!!!! so glad I got you on my side :D

 

 

 

:)

 

thanks

 

glad to help :)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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This letter sent today (Wed 30th may)

 

Thank you for the information you sent following my request under the CCA 1974.

 

However, I made a request to you on 30/04/07, you received this on 01/05/07 for a copy of the executed agreement applicable to the alleged debt. Under the CCA s77/78, you are obliged to send me a true copy of the actual credit agreement but have only sent me a copy of the initial application form.

 

Be also advised that your statutory time period has elapsed and you are now in default as the required time to supply this has elapsed the 12 working days, after one month from the end of the period allowed you will have committed an offence.

 

As you are now in default NO further action can be taken on this account until such a time as the original SIGNED EXECUTED documents are made available to me and until you supply the correct paperwork you have to cease all recovery action and should not pass any data onto third parties, as the data may be inaccurate and in contravention of the data protection act.

 

A regulated credit agreement contains all of the prescribed terms, other required information and statements of my statutory rights.

 

I would therefore be obliged if you would send me a copy of that document as soon as possible.

 

May I also take this opportunity to remind you of the S.A.R (Subject Access Request) for both account numbers that was sent at the same time.

 

Thank You

 

 

 

also what charges do I apply for?

 

what shall I do about the statements that I received? are Credit Card statements differen't to Bank Statements, the reason I ask is because it does not have overdraft charges etc etc, all it has on each statement are:

 

INSURANCE PREMIUM (then £32.00 for example) then further down the page it says SUMMARY OF INTEREST ON THIS STATEMENT

 

Interest on Standard Balance (cash) at 1.167% per month 19.00

Interest on standard balance (purchases) at 1.167% per month 18.70

Total interest charged on this statement 37.70

 

 

not sure what I should work out? do i apply for the "total interest charged on this statement"? or the other interest.

 

They did send me the full statements for the credit card as the account was only 1 year old until my brother started falling behind with the payments.

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what are you trying to claim? is it standard late payment fees, etc?

 

or are you going for all the interest?

 

please be warned that the interest path has not really been tested as yet, though I am having a go and trying it on a bit at a time, learning as I go!

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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If you are going for late payment, over limit fees etc and want to claim the interest on those charges there is a spreadsheet for working them out........somewhere on here!!!

 

I think VAMPIRESS did them so search on her name

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi Dave,

 

Its really anything that can be claimed on the credit card statements I received, apart from what my brother used the credit cards for all that appears on the statements are

 

INSURANCE PREMIUM (then £32.00 for example) then further down the page it says SUMMARY OF INTEREST ON THIS STATEMENT

 

Interest on Standard Balance (cash) at 1.167% per month 19.00

Interest on standard balance (purchases) at 1.167% per month 18.70

Total interest charged on this statement 37.70

 

 

am I not able to claim for any of this?

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In standard claims I would say not.....

 

you can claim for any "charges" like for example Late payment fees, over limit fees, you can also work out the interest on these and claim that back. But the standard interest charged you cant claim back............unless the agreement was unenforceable in the first place, but that said it is an untrodden path as yet and I wouldnt want to advise you on something that will be a test.

 

I am however trying it so watch my thread

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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my brother decided not to go ahead with the Credit Card charges as the total for late payment fee is only £20 in total, but he is still going ahead with the bank charges, still not received any statements from HSBC and the SAR was sent 30th April so not long to go even though they sent the statements for the credit card.

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letter1.jpg?t=1180975994

 

just received this today, i noticed this is for the bank account and not the credit card.

 

I'm confused about the £10 as i sent a £10 P.O. when I originally asked for the sar for both the credit card and bank account. what should i do?

 

should i write back to them? if so what will i say?

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