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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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dnash20 v Alliance & Leicester


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Hi folks, ive send off the LBA to A&L and got the usual letter back saying no refund blah blah blah. Its getting close the the 14 day cut off date now and i wanna take them to court but im abit unsure of the specifics. Ive printed off the claim forms but what do i do now?

 

Also do i need a solicitor to do this because i cant really afford to pay for anything like that at the moment.

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Hi dnash,

I presume its the N1 youve printed off if so then if you click on this link it will tell you what to write on it.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Also you won't need a solicitor to deal with this. If you have any questions just post them in your thread and fellow claimers and Moderators will answer them for you

Joe

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One more thing im abit stuck on.

 

On the original schedule that i sent off i deleted the interest column because i didnt have an overdraft on my account and presumed i didnt have an interest rate on when i went "Overdrawn". Having checked back through my bank statements again ive noticed that A&L have been charging me interest for going into "my overdraft", it only works out to be 10-20p each time, but can i still claim this back and also the 8% even though im 3 days away from sending the Claim form??

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Hi ,

I personally didn't claim the overdraft interest as it wasn't that much anyway but i think you can only claim that part of the interest that is apportioned to the charges when you went overdrawn.

 

As regards the %8 , this is s.69 interest which you can claim for on your N1 form when you file with the court. Have you filled a spreadsheet out that you can get of this site as this will work out the %8 for you.

 

Joe

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The daily interest is the amount of charges x0.00022

 

Example £1,578 x 0.00022 =34p (daily interest)

 

If you have an overdraft then you include your interest with the charges and x the full total.

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Any advice on this?

 

Ive sent off my N1 form last week and ive found i had a missed call asking for me to call my bank. Should i call them back and find out what they want or just leave it and wait for the 14 days to expire?

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