Jump to content


  • Tweets

  • Posts

    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
  • Our picks

jonni2bad

whats the highest monthly charge people have received

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4776 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

A slightly 'Carry On' title if ever there was......

 

Since the site is very much geared to reclaiming bank charges, I thought it might be a eye opener if we found out who had the largest.... total bank charges in any one month.

 

I don't know for sure, but guessed it might be easier for a company to run up larger charges than an individual, so if you post a reply, let us know if it is COMPANY or PERSONAL and of course the total.

 

I've already seen larger than mine (steady...) but since I'm posting first, I can at least take comfort from pretending to have once been in the lead!

 

Remember, there is no prize, so let's not exagerate for effect :-) Here goes....

 

PERSONAL - £252.00


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

Most I've personally been charged is only £28 so i guess i lose that one.

 

I once remember seeing about £2,000 in two months quite recently.

So about £1,000 a month then but i can't remember who she was (and wouldn't say even if i could recall it because of data protection regulations! ;))


(Yes I work for a bank but am here to help! Please be nice to me! :))

Share this post


Link to post
Share on other sites

A whole hour and a half in the lead...! I never thought my effort would stay in front for so long:-)


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

Ha, well have you seen the thread started by sweethings72, headed "£1208,,bank Charges,in 1 Month!!!!!!!!!!"

 

Methinks thats gotta be a heuwge un by anyones standards. Enough to make your eyes water in more ways than one...! ;)

 

yeouwch!

:D


"Get busy livin' or get busy dyin'. (That's goddamn right.)" - The Shawshank Redemption

Natwest account charges - £763

Visit to branch with statements requesting full refund 22/03/06 [£28 refund on spot]

Letter from branch 31/03/06 [offered additional £38]

RBS Customer Relations Manager 'final reply' 12/04/06 [offered £350]

County Court claim filed for £968.42 (inc int + costs) 02/05/06

Acknowledgment of Service 03/05/06 - 28 days to file defence.

SETTLED IN FULL! - 23/05/06:D

Starting claims for Credit Card charges next .......

Share this post


Link to post
Share on other sites

I'm blind to the truth!

 

And until someone else posts - I'm still in the lead :-) ................(at least by my rules)


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

The lovely Lloyds did me for £315 in January which meant I couldn’t honour a number of direct debits And hay-presto another £210 in February which was really helpful of them! That’s £525 in two months of MY money unlawfully siphoned from my account.

No wonder they are dragging there heals with my DPA request.

Share this post


Link to post
Share on other sites

A&L did me for £408 last December - although that's been successfully retrieved now, of course :D

 

Cheers

 

Michael


Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Share this post


Link to post
Share on other sites

mcuth - you have officially taken the lead :)

 

for now............


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

Not checked mine monthly, but I have just received all my statements back to 2000 and my total charges since then are £7889. Not sure how to proceed now being as its well over the £5000 - is this a record???

lol

Share this post


Link to post
Share on other sites

nope, there's an ongoing case for over 8k... Sorry!

Share this post


Link to post
Share on other sites

What's your worst month Bookworm?

 

Any offers over £408 ??


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites
mcuth - you have officially taken the lead :)

 

Woooot :D

 

for now............

 

Am sure it won't last long :)

 

Cheers

 

Michael


Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Share this post


Link to post
Share on other sites

£600.14 for month of March. Charged by lovely Lloyds TSB.

After sitting there in tears of frustration, because my whole disability allowance was swallowed by the bastards, I got my tits together and prepared another claim, which is due to be filed on 2nd of May.


[sIGPIC][/sIGPIC]

Share this post


Link to post
Share on other sites

Ive been charged a total of £2771.00 between about a year and a half from Natwest.

 

Ive sent them a letter before action. (incidently this was the 1st letter i sent but now realise i shouldnt have sent this one 1st, i think)

They have responded with a letter offering me £575.00 as a gesture and for me to agree that it would be final and that i wont give any detials to third parties.

 

I have declined this and the 14 days deadline is monday so going to have to start the court proceedings now!

 

Steph


NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

Share this post


Link to post
Share on other sites

OK - but what was your biggest MONTHLY charge?


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

Mine was £50... 2 charges in one month... Barclays.... boooooooooooo!

 

Guess I don't win this one then?!

Share this post


Link to post
Share on other sites

:o Hi All

I,ve had £207 in the last 10 days. But I'll need to wait till the end of this month before I claim my prize.

mairi


Share this post


Link to post
Share on other sites

Seems like I am on top (oooh aaah, matron) with my £600 a month. And it is only because last month's charges thrown my tight budget so much out of line that I could not manage all the dd's, o/draft limit went to screw itself...and so on.

 

aaanyway, at least I WILL GET IT BACK this time. Do you remember how hopeless we felt few months ago?


[sIGPIC][/sIGPIC]

Share this post


Link to post
Share on other sites
Not checked mine monthly, but I have just received all my statements back to 2000 and my total charges since then are £7889. Not sure how to proceed now being as its well over the £5000 - is this a record???

lol

 

Why don't you claim for the years 2000 - 2003, then move on to the next half afterwards?

Share this post


Link to post
Share on other sites

Please don't hijack the original post - it makes it far too difficult for people to follow any specific case. If karen69 needs advice, then she (I presume) should make a seperate thread.....


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

Mines £275.00

 

Not the largest but still awfull!

 

They are B****** Rnt they!


NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

Share this post


Link to post
Share on other sites

yes ithink ive got the biggest charges £1208 in one month,can you believe it,i recieved a letter today from sh*twest,,asking for their money to be payed back in full,asking me to send back debit card and cheque books,,,,i will not be able to withdraw any money(not that there is any)but will be able to credit money(as if)i have 28 days to pay the debt if i dont they will be taking me to court,,,i did send letter asking for my unfair charges to be refunded,and this is what i get,i think i wont win this one....im sinking very fast........they will have to take me to court then as i have now got lots and lots of creditors after me,whats the point in liveing?????//

Share this post


Link to post
Share on other sites
yes ithink ive got the biggest charges £1208 in one month,can you believe it,i recieved a letter today from sh*twest,,asking for their money to be payed back in full,asking me to send back debit card and cheque books,,,,i will not be able to withdraw any money(not that there is any)but will be able to credit money(as if)i have 28 days to pay the debt if i dont they will be taking me to court,,,i did send letter asking for my unfair charges to be refunded,and this is what i get,i think i wont win this one....im sinking very fast........they will have to take me to court then as i have now got lots and lots of creditors after me,whats the point in liveing?????//

 

Hi

 

Sorry to see that things are so difficult. Obviously it's difficult to comment on your individual circumstances without some more information. However, I would seriously advise that you contact the National Debtline on 0808 808 4000 - they are totally independant, and I have always found that their advice is sound.

 

They are open on Saturday from 9.30am to 1pm - and the call is free.

 

Please remember that banks and Debt Collection Agencies are experts at putting pressure on people - whilst they have, in the reality, very limited powers. If you are on a low income it is very likely that you will be able to get them to accept reduced payments - but, as I say, it is difficult without knowing your circumstances.

 

We are all behind you.


Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

Share this post


Link to post
Share on other sites

Yes, I totally agree with Alan,

 

try to give the Debtline a call.

 

There is usually someone here (the forum) to chat to between 8am and midnight (there are also nightowls of you are having trouble sleeping).

Leave a message on this thread or send a private message to us and we will be happy to help you.

 

Please try to stay positive

 

LOULA

Share this post


Link to post
Share on other sites

just wondering what the extent of charges have been as at one point i was reguarly getting charged between £350-400 a month has any body else had anything similar i mean out of my two accounts that were held with lloyds my good account (the one that didnt get as many charges) had nearly £1500's worth within 18 months im still waiting for details of my bad account (oops)

Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 4776 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...