Jump to content


  • Tweets

  • Posts

    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
    • Thank you for relying so quickly! That is what I had concluded was the reality of the situation.. I'm still waiting for the call within my time slot.. I will try to fill this thread with more info, find original letters and show the docs of the pack I was sent, a pack with no real covering letter to show what it was in response to or from whom..
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      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
        • Like
  • Recommended Topics

capitalising on capital one


sowerby17
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6147 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

here goes sent cap one sar and the next day sent to them asking for £900 of charges to be refunded.i knew this as they told me on the phone how much charges were. Anyway got an offer off them for £380 on wed this week the next day my statements came and i went for the cci and it toatlled £2668approx.What a difference. But i am not sure about the interest rate as my statement said 1.08% which i believe works out to be 13.0%.I have charged them 27%. Any advice?Notsent LBA yet.

Link to post
Share on other sites

  • Replies 182
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

sowerby,

Hi and welcome to the site,

 

 

You've definately taken the first step into claiming back what's rightfully yours.

 

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

 

Good luck with your claim.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Hi this link has an APR calculator on it http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

I put in your monthly figure of 1.08% and it came up with 13.76%APR. How did you arrive at the 27% figure?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Did you get any manual intervention sheets with your SAR? I found my monthly rate on there. It was from 2000-20001 but mine only worked out at 17.6ish% Check Cap 1 website for current figures!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

will do but not sure if it is necessary as i have since read that you can only claim cci from the outset of the claim. I had originally read that it was to be claimed at the lba stage.Waiting on advice about this.

Link to post
Share on other sites

Mmmmmmmmmmmmmmmm Sowerby, I'm not sure about the LBA stage?

 

As far as Im aware if you claim CCI you have to state that you are claiming this from the very beginning.

 

Wonder if Aviator would know?

 

You could always check on the other threads claiming CCI.

 

As far as the interest is concerned I looked on the capital one website & went into my own account to check what they were charging me.

 

It clearly stated that the interest was 34.9% so this is what I charged them.

 

Wish I could help more with the other question.

 

? if you could start your claim all over again.

Link to post
Share on other sites

It is my understanding that you can add CCI at LBA stage, but no later. You cannot include it at court stage if you have not previously mentioned it. Maybe someone will correct me if I'm wrong.

 

glav:)

Link to post
Share on other sites

If you are claiming CCI it should be from the Prelim stage and continued throughout your claim all the way to court.

Now when it gets to court opinions are divided.

Most people go with stat, 8%, interest, but a few have managed to claim both CCI AND Stat !!

Be VERY careful whose advice you listen too

Link to post
Share on other sites

It's worth a try at the LBA stage. If you amend the LBA saying that you are now claiming Contractual Interest, due to information received about bank and credit card charges. As the LBA is giving them another chance to settle without court action, send in a new spreadsheet with updated figures. You will probably have to file with the court anyway so go for contractual as well. It's what they have charged you. You can't claim both lots of interest. It's contractual or 8%.

 

I have seen a few send in LBA's straight away with contractual interest and won.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

will do but not sure if it is necessary as i have since read that you can only claim cci from the outset of the claim. I had originally read that it was to be claimed at the lba stage.Waiting on advice about this.

 

Hi Sowerby

 

1. To work out your APR use the calculator as posted above. My rates varied over 3 years and I took the average at 30%. If yours is 27%, so be it.

 

2. Schedule of charges should include CCI on each charge from the outset of claim, ie, Prelim letter onwards. This is the best way to do it as per directions/suggestions on this site.

 

3. You can only get one lot of interest, not both. Go for CCI and at Court stage you include stat int at 8% as an alternative. If is for the judge to decide should you go to court.

 

4. READ THE FAQs on the front page of this website, also TEMPLATE LETTERS so that you are making informed decisions.

 

HTH :D

Link to post
Share on other sites

Well cap one certainly have not put any money in my account as part payment. I have not signed anything to say i have accepted anypayment , just most people seem to have had theirs credited. Well sending lba tommorrow. Never got it done today.

Link to post
Share on other sites

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

  • 3 weeks later...

If your quick, ring the court and amend it. They may do it for free, otherwise it will cost £35 to amend, which is not claimable.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Are the spreadsheets at the wrong rate as well or just the POC you filed?.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Just the poc as i was not sure of the interest I did 30% which is 4% less than on thier website at the minute,

however since then i have found that mine is 12.9%. I presume cap one will just pay out that rate when they pay up.?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...