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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • 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).
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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.

      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
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Caroline VS Nationwide


carolineiam
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I do not want to be a pain but the [EDITED] advocates one 14 day letter rather than two. Furthermore they state that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money. The have helped claim about £4000000 pounds so far and they got me clearly confused. The sending two letters strategy would cost me 400 pounds in lost charges if the [EDITED] that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money.

 

 

I find this quite confusing can someone help me please . I really do not want to screw up

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If U wish to follow the PCF advice, post your Claim details on that website.

If U wish to follow the advice given by Posters on CAG, continue to post on here.

BUT...

Don't expect Posters of either website to comment on the advice given on the other website please!

U will fall between two stools if U try to mix 'n' match.

PCF don't advocate Claims pre-6yrs, nor do they encourage discussion of Claiming Contractual Interest.

If U are in ANY doubt as to what to do...take your OWN council.

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If U wish to follow the PCF advice, post your Claim details on that website.

If U wish to follow the advice given by Posters on CAG, continue to post on here.

 

BUT...

 

Don't expect Posters of either website to comment on the advice given on the other website please!

U will fall between two stools if U try to mix 'n' match.

 

PCF don't advocate Claims pre-6yrs, nor do they encourage discussion of Claiming Contractual Interest.

 

If U are in ANY doubt as to what to do...take your OWN council.

 

 

 

That is good advice. I think I will stick with CAG. How do you reckon I should proceed. I have allready sent a prelim ... got the fob off answer and have drafted a letter before action where some charges are incurred on the 12th of July 01. Shall I carry on with this and go to court ....even though in their defence they will quote the limitations act ? or shall I claim a smaller amount when applying in the court ? (not including the 12 of july charges)

 

My worry is that the claim will be striken out due to the limitations act. Please help i am getting quite peed off (though everything would be okay until this complication creeped up) I called the court which stated that they are ADAMANT that the 6 years are up to the date of issuing the court claim not up to the letter requesting the the money back .

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That is good advice. I think I will stick with CAG. How do you reckon I should proceed.
That has to be YOUR decision cos it's YOUR money!!!

 

If it was MY Claim though, I would attempt to keep the ENTIRE sum as ONE Claim.

Just remember that Nationwide will attempt to apportion the money that it will eventually Refund to U.

U MUST resist this, by possibly actually appearing in Court yourself, to be successful with your Claim.

 

 

 

My worry is that the claim will be striken out due to the limitations act. Please help i am getting quite peed off (though everything would be okay until this complication creeped up) I called the court which stated that they are ADAMANT that the 6 years are up to the date of issuing the court claim not up to the letter requesting the the money back .
Here are a few Threads that may interest U...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

 

http://www.consumeractiongroup.co.uk/forum/nationwide/68902-nationwide-claiming-beyond-6-a.html

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

The next Losing Thread highlights just a few of the pitfalls that were encountered...

http://www.consumeractiongroup.co.uk/forum/nationwide/54166-taylors-nationwide-3rd-time.html

 

A Thread debating the exact issue that concerns U...

http://www.consumeractiongroup.co.uk/forum/general/50279-when-does-6-year.html

 

 

Advice for further reading!...

http://www.consumeractiongroup.co.uk/forum/nationwide/89894-pre-6-years-account.html

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-367980.html

 

 

Here are various Acts that U may be thinking of referring to?!...

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

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That is good advice. I think I will stick with CAG.

A wise choice.;)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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That has to be YOUR decision cos it's YOUR money!!!

 

If it was MY Claim though, I would attempt to keep the ENTIRE sum as ONE Claim.

Just remember that Nationwide will attempt to apportion the money that it will eventually Refund to U.

U MUST resist this, by possibly actually appearing in Court yourself, to be successful with your Claim.

 

 

 

Here are a few Threads that may interest U...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

 

http://www.consumeractiongroup.co.uk/forum/nationwide/68902-nationwide-claiming-beyond-6-a.html

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

The next Losing Thread highlights just a few of the pitfalls that were encountered...

http://www.consumeractiongroup.co.uk/forum/nationwide/54166-taylors-nationwide-3rd-time.html

 

A Thread debating the exact issue that concerns U...

http://www.consumeractiongroup.co.uk/forum/general/50279-when-does-6-year.html

 

 

Advice for further reading!...

http://www.consumeractiongroup.co.uk/forum/nationwide/89894-pre-6-years-account.html

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-367980.html

 

 

Here are various Acts that U may be thinking of referring to?!...

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

 

 

You are an asset to this site... especially for the newbe like me. It seems that the reason banks are paying up post 6 year claims when there are some within the 6 years charges included is beacuase if they were to turn up in court they would have to argue about the legality of the within the 6 year charges as they cannot say 'we don't have to argue about them we dont have to discuss them because the claimant cannot apply due to the limitations act and he cannot claim concealement because no one decided that they are illegal judicially' because they would be in court and they would have to talk about whether their within the 6 year period charges are legal or not.

  • Haha 1
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Errrm...Yeah...Something like that!...:oops: ;-)

 

The same principle applies to when Contractual Interest is Claimed.

...Although the specific argument is slightly different.

 

Problems arise when Claimants are paid a Partial Refund of what they have Claimed + allow a Bank to dictate what the Refund refers to.

 

(Nationwide, in particular, often Defends the FULL amount. It then pays a PARTIAL amount + gives reasons to the Claimant for NOT paying the rest.

The Claimant believes that the Bank has a right to do this, TOTALLY ignoring the fact that the Bank could have Defended a Partial amount if it had admitted some of the Claim, in it's original submission to the Court, but had chosen NOT to. It is an ALL or NOTHING Defence, that the Bank has submitted!!!)

 

Many Claimants then lose the plot + bottle taking their Claim further, for fear of losing what they have received so far + also incurring having to pay the Banks' extra legal costs.

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Send LBA with special delivery. I am checking to see and print the electronic proof of delivery and ......'sorry the electroni proof of delivery is not available to this item as the scanner may not have scanned it correctly'

 

 

F£"£" great.

 

 

It says the date it was delivered but I can't proove that it was signed for and /or by whom !

 

 

Am i buggered ... do I need the electronic proof of delivery ?

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Does the Court send ANYTHING via Recorded Delivery??

...Nah!

U have kept the Recorded Delivery Receipt, have U NOT??!

...That is your proof of posting!

The letter will be deemed to have been received TWO days from the date of posting, unless U can prove that it got there sooner.

btw...'To be b*ggered' is illegal...+ is it even possible electronically??!...lol...:D

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Does the Court send ANYTHING via Recorded Delivery??

...Nah!

 

U have kept the Recorded Delivery Receipt, have U NOT??!

...That is your proof of posting!

 

The letter will be deemed to have been received TWO days from the date of posting, unless U can prove that it got there sooner.

 

btw...'To be b*ggered' is illegal...+ is it even possible electronically??!...lol...:D

 

I am uncertain over the lawfulness of the aforementioned issue. Nevertheless I am certain with the level of growth in the field of computer science one day there would be the opportunity for indivuals to receive an e-buggery.

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  • 3 weeks later...

Hi all.

 

 

 

I am trying to type up a particulars of claim but it is too lengthy for the box in the pdf N1 form. I heard that if you attach an additional sheet then you have the responsibility to post it to the defendant within 14 days ! ? I scoured the web and I found conflicting information. Can someone who succesfully done this let me know exactly how to do it ? I.e what do I put on the blanc poc bit on the n1 etc etc

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Try the good ol' fashioned way!

Print out the Blank N1 Form + write out your PoC by using a pen.

Then either scan/copy/print/save the finished N1 Form on your own PC, or just photocopy enough copies that U will need, if U have access to a photocopier.

3 X Completed N1 Forms should be handed in/sent to your local County Court.

It is the MCOL route where the difficulties lie, when it comes to lengthy PoC's

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  • 1 month later...

I received a letter from Nationwide credit card services stating that they offered me a refund ! in full ! but it is credited back in my now defaulted and closed credit card account. They stated that the charges are a fair contribution towards their costs when there is a breach of contract by me.

 

 

I had made it clear in the court papers that I wanted payment directly in the form of a cheque ! so I relplied :

 

Dear Mrs bbbbbbb

Regarding: Nationwide Credit Card Services: Gold card number: xxxxxxxx Your Log Ref: xxxx

 

I am very disappointed that you are still failing to positively respond to my request even at such late stage of the litigation process brought against you. May I remind you that in my previous letter to you I specifically stated: I will expect that the monies will not be placed back in my credit card account as it is now closed and as I will be exercising my first right of appropriation for these funds “. Furthermore I have made it crystal clear in my court claim that the only payment acceptable would be directly to my self in the form of a cheque and not back to the aforementioned (now closed) credit account. I will be delighted to explain to the court why I made this request if needed.

As you have not complied with my request for direct payment of the total amount unfortunately my court claim will not cease.

In regards to your assertion that your charges are a fair contribution towards your costs

I am sure that everyone in the country will be delighted to hear that your solicitors would actually turn up to court one day and finally disclose your true costs in relation to the breaches of contract that instigate your regime of charges in your Nationwide Gold Credit Card accounts. Unfortunately you haven’t done this so far judging by the amounts of cases you have already settled with other customers of yours. Until you do so I feel that there is no substance to your assertions of fairness in regards to your charges.

In regards to your assertion that you are a fair organisation

May I remind you that 3 years ago when I was struggling to make the repayments to the aforementioned credit card account due to unexpected loss of employment your credit card department put a freeze on my nationwide flex account even though I was in receipt of benefits paid into that account at the time. To my requests to you to allow me to access my benefits (child benefit etc) you responded negatively even though I had every intention to work out a payment plan I could afford. It took the intervention of the ever so helpful and understanding to the consumer xxxx County Court back then for us to reach a fair agreement. The sum of money you retrieved from me back then included the amount of credit charges I am now claiming. Now in regards to the legal action brought against you due to the charges you levied in regards to the Gold card with the number: It is disappointing that I had to ask for the help of the xxxx County Courts once again as you will not comply with my fair requests for a repayment of the total amount plus interest plus court costs directly to my self as stated in the letters I have sent to you and of course the court papers. Thus, I feel that describing yourselves as a ‘fair organisation’ that ‘cares for its members’ perhaps is not applying to me.

Yours sincerely,

 

 

tell me what you think .... When I get some money in my hand I will def make a donation . :)

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I received a letter from Nationwide credit card services stating that they offered me a refund ! in full ! but it is credited back in my now defaulted and closed credit card account. They stated that the charges are a fair contribution towards their costs when there is a breach of contract by me.

 

 

I had made it clear in the court papers that I wanted payment directly in the form of a cheque ! so I relplied :

 

Dear Mrs bbbbbbb

Regarding: Nationwide Credit Card Services: Gold card number: xxxxxxxx Your Log Ref: xxxx

 

I am very disappointed that you are still failing to positively respond to my request even at such late stage of the litigation process brought against you. May I remind you that in my previous letter to you I specifically stated: I will expect that the monies will not be placed back in my credit card account as it is now closed and as I will be exercising my first right of appropriation for these funds “. Furthermore I have made it crystal clear in my court claim that the only payment acceptable would be directly to my self in the form of a cheque and not back to the aforementioned (now closed) credit account. I will be delighted to explain to the court why I made this request if needed.

 

 

As you have not complied with my request for direct payment of the total amount unfortunately my court claim will not cease.

 

In regards to your assertion that your charges are a fair contribution towards your costs

 

I am sure that everyone in the country will be delighted to hear that your solicitors would actually turn up to court one day and finally disclose your true costs in relation to the breaches of contract that instigate your regime of charges in your Nationwide Gold Credit Card accounts. Unfortunately you haven’t done this so far judging by the amounts of cases you have already settled with other customers of yours. Until you do so I feel that there is no substance to your assertions of fairness in regards to your charges.

 

 

In regards to your assertion that you are a fair organisation

 

May I remind you that 3 years ago when I was struggling to make the repayments to the aforementioned credit card account due to unexpected loss of employment your credit card department put a freeze on my nationwide flex account even though I was in receipt of benefits paid into that account at the time. To my requests to you to allow me to access my benefits (child benefit etc) you responded negatively even though I had every intention to work out a payment plan I could afford. It took the intervention of the ever so helpful and understanding to the consumer xxxx County Court back then for us to reach a fair agreement. The sum of money you retrieved from me back then included the amount of credit charges I am now claiming. Now in regards to the legal action brought against you due to the charges you levied in regards to the Gold card with the number: It is disappointing that I had to ask for the help of the xxxx County Courts once again as you will not comply with my fair requests for a repayment of the total amount plus interest plus court costs directly to my self as stated in the letters I have sent to you and of course the court papers. Thus, I feel that describing yourselves as a ‘fair organisation’ that ‘cares for its members’ perhaps is not applying to me.

 

Yours sincerely,

 

 

tell me what you think .... When I get some money in my hand I will def make a donation . :)

 

anyone ??

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  • 1 month later...
  • 1 month later...

Hi again carolineiam!

Hi there !! Guess what my credit card claim has been stayed !!!

 

:confused::confused::confused::confused:

Credit Cards aren't part of the currently pending OFT Court Case!...;)

 

I am off to bed early tonight cos of work in the morning unfortunately.

Have a look at Threads which are in the process of appealing against Stays being applied to Credit Card Claims etc.

...There should be zillions around somewhere?!

 

 

I will have a look myself for U, but tomorrow.

Perhaps someone else may Post something tonight to help U??...:idea::)

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