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    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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kevin v abbey


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S.A.R - (Subject Access Request) REQUEST SENT - 12th MARCH 2007

non compliance REPORTED TO Information Commissioner - 30TH APRIL 2007

FINALLY ALL INFO RECEIVED - 3RD MAY 2007

POSTED PRELIMINARY APPROACH LETTER - 14TH MAY 2007

POSTED LETTER BEFORE ACTION - 31ST MAY 2007

TOOK N1 FORM TO MY LOCAL COURT - 20TH JUNE 2007

 

 

 

 

good luck to you all!!

...heres me so far...

 

ABBEY received request for last 6 years statements on 12th March

On day 25 (3rd April) i received a letter saying that last 14 months statements would be sent under seperate cover. and info prior to this is archived and will be sent at later stage.

received my 14 months statement a few days later.

 

...mmm....when would i receive the rest i wondered?

 

sent letter reminding them that i require all info within 40 days.

 

on day 42 (monday april 23rd) received 2 year spreadsheet listing all charges for that period. OK THEN...thats 3 years info so far!!..

 

sent letter to abbey from the template library to remind them that they have not complied and have 7 days.

7 days later ....nothing..............

monday 30th April (DAY 47) REPORTED ABBEY TO THE INFORMATION COMMISSIONER ONLINE and posted letter telling Abbey what i had done and that i will start a court proceeding for non compliance in 7 days time.

I also returned the £10 cheque that they wanted to refund me. Probably didnt need to do that, but who knows... an acceptance of the refund may be seen as an acceptance of the delay....(which i dont accept)

 

 

.....received all information TODAY 3rd MAY.

 

NOW to sort through the info, collate charges and start the serious stuff.

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not forgeting the CCI;)

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Hi Kevin :) , May I suggest you scrutinise the spreadsheet too? Mine had quite a lot of charges for cleared transactions over the 2 year period, but not one for going into an unauthorised overdraft. I've written back and requested microfiche copies or duplicate statements for that period, because to me, that seems a bit odd. Best of luck, Dizzy.

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hi. thanks for advice.

luckily for me, i have the original bank statements covering the period of the spreadsheet.

I have now gone through them all and can say that all the charges are correct (that surprised me).

i do have unauthorised overdraft fees on the statement and they are correct also.

good luck.

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Used spreadsheet (excel) to calculate charges. £4458.50.

Didnt bother with interest that i have been charged by Abbey for each penalty charge because Info supplied for past 6 years doesnt really give you all the details that you need to be 100% sure of calculation. ie. account balance at time . was it charged at unauth overdraft rate or just overdraft rate. What was the rate of interest for my overdraft?I know 28.7% is unauth overdraft rate but has it always been this?.....dont have these answers so will proceed to reclaim all my charges. If it goes to court then i think adding 8% will make me smile...Infact it already has, the excel doc works that out for you.

 

SENDING PRELIM LETTER WITH STATEMENT OF CHARGES TOMORROW 14/05/07

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I couldn't understand the interest bit either and to be honest would have been happy with the charges, but Abbey let it go to court and so the 8% was added!

As you say, this makes you smile ~ it'll make you smile more if you think of it as a savings account!

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  • 3 weeks later...

14 days are up. posting LBA today 31st MAY 2007. included threat of OFT complaint as I have done it when they did not comply with the Data Protection Act. So will definately do it if (?..ahem....when) they do not comply again.

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  • 3 weeks later...

Filled out N1 form

http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf

and will be taking to court tomorrow. 20th june 2007. claim is £4458.50 plus 1398.44 interest and is accumulating 98p per day.

fees will be £250.

reading forum for other cases now and doing my homework.

...there are some inspirational stories out there.

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