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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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HELP!! totally stuck trying to work out interest


lofaprize
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Hi all,

 

i am now at the stage of filling in my N1 claim form, its actualy about 4 weeks overdue.

i have asked for help to figure out interest, but i think i must be totally stupid cos i just dont understand what im being told. i cant open the spreadsheet for some reason, so i dont have a clue what to do. everyone else can do it by the looks of searching through millions of posts, ive been searching since December!!

ive been givin a few pointers but i really dont understand how to work out the 8%, e.g from what dates, and as i dont have an overdraft (i'm not allowed one) does this change the interest? I had a look through all my statements going back 6 years and the only interest i have paid only amounts to £5 or so.

I have another thread but dont think its shouting loud enough.

can anyone help?

please? :???:

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Go to FAQ on top of page in blue line, click on, go through info till you come to red FAQ clck on then you want template library, or you could just search template library. Then go to sticky 6 Interest Calculator Spreedsheets try the first one and see if that opens

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Try this

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

 

There's a few to try.......mindzai's, the vampiress and google, or excel

 

I'm used to excel, and while I'm no expert, I could give you a hand if you get stuck

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Hi enaid,

 

Which ones are you going to use?

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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hiya charley and enaid,

i got to open the excel spreadsheet but i dont have a product key to use it arrrggghhh!! i normally use works, but that wont open for me, it says that it wont open because its already being used or the addy could be wrong??

i have a better idea of what to do now ive seen it, but when it says "days since offence" whats that? and whats the "date of service"?

so sorry to be a pain, and i am so glad i caught your eyes for help.

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Right you got the sheet ok, you go on the boxes ie name, click on you fill in your details yeh,

You just fill in what the charge was ie late payment, how much ie £20.00 date of charge ie Jan2004. It then works it all out for you at 8%. When you have filled in all your details delete all the rest on there and print it off. Bl**dy magic really. Ley us know how you go on:)

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Thanks for replies.

 

I cant write on the spreadsheet as I don’t have a product key to use it. I don’t have “excel” only “works” but that doesn’t open for some reason? I don’t know if its my pc (I don’t think it is) or the link that’s not working.

 

mariejadder,

 

When I looked at the spreadsheet, it says “days since offence” and below it has numbers from the thousands descending. What’s this?

 

Can someone try to open the "works" spreadsheet to see if it is my pc or not? I cant use any other one. or do i have to ask a mod?

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So sorry Lofa, could help you with spreadsheets a little as if I can do them anyone can, but don't know how to help you anymore to get on them. Once again sorry, but someone will be by to help you I'm sure

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awwww thanks enaid, your posts have helped me in my loooong struggle to fix it.

 

all replies are good, at least i know someone is out there.

 

Thanks for all your help.

 

x

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Hi

I had loads of problems trying to open the interest spreadsheets,in the end I used the interest calculator on the Money saving expert website it works out the 8% interest for you.

Don't know if that's any use to you.

Good luck

Glad:p

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Thanks for replies.

 

I cant write on the spreadsheet as I don’t have a product key to use it. I don’t have “excel” only “works” but that doesn’t open for some reason? I don’t know if its my pc (I don’t think it is) or the link that’s not working.

 

mariejadder,

 

When I looked at the spreadsheet, it says “days since offence” and below it has numbers from the thousands descending. What’s this?

 

Can someone try to open the "works" spreadsheet to see if it is my pc or not? I cant use any other one. or do i have to ask a mod?

Hi lofa,

 

I've got the works ss open, so if you PM me with your info we'll see what we can do:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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I got it open!! yeah!!

for anyone else having bother opening it, i saved it, then opened it from my desktop. (with a help from the site helper)

now to try putting all the info in.

will let you know how i get on.

thanks for replies

Lofa

xx

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OK i have a question.

I had £590 paid to me as a gogw which i accepted as part payment. how do i work that with the interest? After taking off the £590 (gogw) it leaves a claim for £1129, do i calculate for £1129 or the original £1719 as i have done.

Also, does £150 for interest sound about right?

:-?

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you don't change the interest at all. Keep the calculations exactly as they are, just deduct the GOGW off the final total.

Sounds right otherwise. keep going and keep us posted

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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