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    • Many assumptions here, is the intel correct ? Even if its out of date the original intel was correct it just may have not been updated. This could be because the car is still registered to the banned driver or the insurance company haven’t told the Police. So not an issue for the ICO, and any Police markers will not show on DVLA records. 
    • Good evening all. With your help I've defeated 3 parking charge notices, I now need your help once again. My daughter has a company car which she  lent to my son while she was on holiday. He is insured and fully entitled to use this vehicle. He is very careful over parking tickets as he has been the victim of a wrongfully issued ticket in the past. Anyway, on the 28th of April he left the car in the St.Marks car park in Wrexham. This is controlled by ANPR cameras. On his return to the car park, he entered the registration number of the car and the machine said 50p owed.. This was paid with a debit card so it's on his bank statement. Parking Eye are now saying that he has paid an insufficient fee and have refused the appeal ( unsurprisingly ). They have enclosed a POPLA code, so this will be the next port of call as we are still within the timeframes. Your thoughts so far would be appreciated. Thanks.
    • Hi just received this from the bottom feeders, I know I have to acknowledge within 14 days.  Its from 2015 so cant find the paperwork for it, but will look.   Parking on private development whilst visiting a friend, not displaying Permit, looked at my friends contract with private landlord, nothing in it about parking.   Are the Particulars of claim sufficient?   Thanks for any advice. VCS CLAIM21 JUNE 2019 F0QZ9V92 EDIT.pdf
    • Thank you. Can you tell us who replaced the rear brakes in June 2019? Who paid for it? One slight problem here is that the amount of money you are dealing with is in excess of £10,000. £10,000 is the County Court small claims limit. When you bring a small claim – less than £10,000 – then even if you lose, you won't have to pay the costs of the other party. Over £10,000 and you will have to pay if you lose. On the basis of what you say here, you have absolutely no chance of losing but on the other hand the fact that you would have to bring the claim on the fast track brings comfort to the other side and they are more likely to employ tactics to intimidate you with the spectre of costs hanging over you in the event that you lose. This is something to take into consideration. You have two choices. One would be to consider claiming for the refund of the entire price plus any ancillary losses. The second would be to claim for repairs. On the basis that repairs will be considerably less than £10,000 I think that I would suggest you go for that. This means that you need to get the car thoroughly examined and get a quote for repairs and generally speaking putting into a proper roadworthy condition. In fact you would need two independent quotations. You would then, with our help, enter the pre-action protocol which would essentially threaten the dealer and also the finance company with 14 days to sort it out or else you will bring a court action and without any further notice. You would only make this threat if you decided to go ahead with it. It's not worth bluffing. Both the dealer and the finance company will probably use all sorts of tactics to delay and to prevaricate. You must not allow yourself to get dragged into any kind of protracted discussion. You make the threat. 14 days. Day 15 – you send them the good news. Once they have the court papers they will then start to realise that you are serious. The finance company will put pressure on the dealer and someone or other will put their hands up. It's up to you if you want to get involved in this kind of action. If not then I think you're going to have a hard slog
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Alphageek

Alphageek Vs Capital One ***WON***

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Ok, every in and out action has been particularised on a spreadsheet.

 

Sub totals 18h:55m:00s

Hourly rate £9.25

Plus actual costs £17.40

Grand Total £192.38

 

Should put a nice smile on their face when they get this letter.

 

Sounds like a nice sum. No where near enough I would have thought for the hassle they have caused you. :D


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Received a letter form Court whilst I was away.

 

13 May 2008

 

Dear Alphageek

Re: Alphageek -v- Capital One Bank (Europe) Pic Case No: xxx

 

Your request for application in the above case is returned because:

 

 

  • a notice of discontinuance was filed on 1 May 2008
  • any application should be made in the prescribed form with the approriate fee

 

Yours sincerely

 

PERSON

Back Office

Enc

 

Is PERSON right that I cannot ask for wasted costs after filing a notice of discontinuance?

 

Also, "any application should be made in the prescribed form" would have been nice if they had given me a clue as to what form they want.


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Hi Alpha,

 

Although I had reservations about the WCO going after discontinuing, others seemed ok with that.

 

Check out what the court now wants done with this.


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I will give them a call tomorrow.


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I spoke to the Court and was told that as I had filed a discontinuance, then that is the end of the case.

 

I could apply to have the case reopened, paying the correct fee, and ask the Judge to hear my argument for wasted costs.

 

Alternatively, I could raise a new claim for just the wasted costs.

 

I don't think either would succeed.

 

I should have just written to the Court and asked them to vacate the hearing and then sent the Wasted Costs Order.

 

Oh well, you live and learn.

 

I am going to say this thread is ended. Can we change title to WON please?

 

I will work out how much I actually got back from them and make a donation soon.

 

Thanks to all who helped.


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Can we change title to WON please?
I did that a fortnight ago :rolleyes:

 

Congratulations again Alpha - good job :D


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Doh! Perhaps I should spend some of my refunded charges in Specsavers*?

 

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Should I make the donation from my CapOne card? ;)


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so long as it doesn't bounce smiley-bouncing.gif


Steven

 

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Lol


The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Hey Alpha,

 

Re the WCO, I sought clarification about this and Steven said:-

 

"the WCO must be applied for before a notice of discontinuance is issued"

Put this down to experience so you'll know better next time.


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Hey Alpha,

 

Re the WCO, I sought clarification about this and Steven said:-

 

"the WCO must be applied for before a notice of discontinuance is issued"

 

Put this down to experience so you'll know better next time.

Yes, but that was based on Alpha's experience on this thread :rolleyes: (although I think it is true.)

 

Cost arguments are part of the case and the CPR are full of stuff about costs in case management and practice directions. It seems logical that once the case is over, discussions about costs are over too. A notice of discontinuance says "the case is over" and I think that includes cost arguments.

 

I searched through the CPR but I can't find anywhere it actually says that though but it seems to be assumed.

 

One final thing. Of course, there is no guarantee that Alpha would have been awarded them anyway - they are not very common


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I tried WCO with Lloyds and the judge was'nt having it. Turned down as the charges were paid back with interest, so no WCO in his opinion.

 

Well done Alphageek, put this one behind you now and move on.


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how did you find out your apr?

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From my statements d1cky.


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where abouts, I cant find the apr on mine just monthly rates!

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There is a spreadsheet somewhere on here in which you can put your monthly rate and it shows the APR..

 

If you can't find it, I'll dig it out when I get home for you.


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prob wont beable to find it, I really struggle navigating around, but I will try, Ill let u know if I find it! ta

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D1cky,

 

If you look in Steven's Interest Tutorial, there is a link to DuoCalc which should do these int't rate conversions easily.

 

:)


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yes have found it, and dwnloaded it. thx again. can any1 just confirm fo me that on the 13/03/08 my monument statement shows me only a cash intrest at 2.529% per mnth, the calc. shows me that the apr is 34.9%. just to make sure I am using it correctly! ta.

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Sounds about right to me D1cky.

 

Now you know why they show monthly rates on your statement!


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when I type in 2.529 then press calculate it gives me an apr of 34.9 as stated above but I have just noticed that it changes the 2.529 to 2.52607441419, is there a good reason for this, y does this happen, am I doin something wrong?

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Dicky,

 

Call it 2.52 and stop worrying.

 

If you want to pursue this or anything else, do it on your thread to avoid hijacking and to keep your case togethr in one place.

 

:)


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