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    • My WS as I intend to send it... any problems anyone can spot?         In the county court at Middlesbrough Claim No:  Between Vehicle Control Services Limited (Claimant) V   (Defendant) Witness Statement Introduction It is admitted that the Defendant is the registered keeper of XXnn XXX   Locus standi/bye-laws and Relevant land Schedule 4 of the Protection of Freedom Act 2012 (PoFA) allows recovery of unpaid parking charges from the keeper of the vehicle. However, the first paragraph 1 (1) (a) states that it only applies “in respect of parking of the vehicle on relevant land:”. The definition of “relevant land” is given in paragraph 3 (1) where subsection (c) excludes “any land ... on which the parking of a vehicle is subject to statutory control”.  The bus stop is not on relevant land because the public road on which that stand is on is covered by the Road Traffic Act.  Notwithstanding that the claimant claims that " the claimant has given the Defendant its contractual licence to enter the site", the claimant has not given any contractual licence whatsoever. This is a road leading to/from the airport which is covered by the Road Traffic Act.  A list of highways on the Highways act 1980 does not even exist. The defendant brings the attention of the court that VCS is using this non existent document issue as a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. While it is true that landowners can bring in their own terms, it is also true that whatever terms they bring  cannot overrule Byelaws and the Road Traffic Act. If Bye Laws are involved then the bus stop is not relevant land and neither is the specious argument about First Great Western Ltd. Is the claimant ignorant of the Protection of Freedoms Act 2012? The road outside of Doncaster Sheffield Airport is not relevant land and is not covered by the Protection of Freedoms Act. That makes the charge against the claimant tantamount to fraud or extortion. The claimant mentions a couple occasions where they have won such cases. It is brought to the attention of the court that none of those cited cases were on airport land. VCS actually has also lost a lot more cases than they have won using their prohibitive signs.  Airport land is covered by Bye Laws and hence the claim by VCS is not applicable in this instance. The remit of VCS ends in the car park and does not extend to the bus stops on public roads or land which they have no jurisdiction over. All classes of people go to the airport. This includes travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers and buses with passengers. It is therefore absolutely ridiculous to attribute VCS with any sort of permissions. The defendant submits that VCS should not confuse a major thoroughfare with a car park and presume to act as land owners and usurp the control of any land which is not relevant to them.   Protection of Freedoms Act The clearest point on section 4.1 of the Protection of Freedoms act is that “The provisions in Schedule 4 are intended to apply only on private land in England and Wales. Public highways are excluded as well as any parking places on public land which are either provided or controlled by a local authority (or other government body). Any land which already has statutory controls in relation to the parking of vehicles (such as byelaws applying to airports, ports and some railway station car parks) is also excluded.” Therefore, as this case pertains to an airport, the claimant unlawfully obtained the registered keeper’s details against the defendant’s vehicle. Thus, on this basis alone, the defendant implores the court to throw out this case. Notwithstanding the above point, if perchance Schedule 4 of the Protection of Freedoms act 2012 were to apply, the claimant is put to strict proof that they complied with the requirements of section 7 stating, “(1)A notice which is to be relied on as a notice to driver for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met. 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;” Without such proof the court must of necessity throw out this case forthwith.   Deceit, Intimidation and Extortion The Claimant’s Particulars of Claim include £50 legal costs, yet in the letter dated  03/06/2021, the Claimant stated that they were no longer represented by Elms Legal and all further correspondence should be sent to the VCS in-house litigation department. Why should the Claimant be asking the Defendant to contribute to their employee’s salary?  Furthermore, as per another letter dated 30th July 2021, the Claimant wrote, ‘Should you fail to accept our offer of settlement then we will proceed to Trial and bring this letter to the Court’s attention upon question of costs in order seek further costs of £220 incurred in having to instruct a local Solicitor to attend the hearing in conjunction with the amount claimed on the Claim Form.’ I find this an extraordinary statement given the Claimant knows legal costs are capped at £50 in Small Claims Court. I cannot think of any reason why the Claimant would write this letter other than to intimidate the opposing party with the threat of an extortionate sum of money, hoping they would be able to take advantage of someone not knowing the Small Claims Court rules. Given that this letter came from the Claimant’s in-house litigation department, clearly well-versed in the law, this cannot be anything but deceitful and disingenuous behaviour which the court should never tolerate.    Contractual costs / debt recovery charge  In addition to the £50 legal costs, the Claimant is seeking recovery of the original £100 parking charge plus an additional £60 which is described as ‘debt collection costs’. In the Vehicle Control Service v Claim Number: 18 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 in 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 be struck out and declared to be wholly without merit and an abuse of process.’  In Claim number F0DP806M and F0DP201T, Britannia v Crosby went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of White & Wiltshire. District Judge Taylor echoed the earlier General Judgement 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 recoverable under the Protection of Freedom Acts 2012, Schedule 4 nor with reference to the judgment in ParkingEye 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…’ Vehicle Control Service v Claim Number: 19 51. Moreover, the addition of costs not specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  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).  The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the Civil Procedure Rules, the Beavis Case, the Protection of Freedom Act 2012 and Consumer Rights Act 2015, and that relief from sanctions should be refused.   Alleged contract The court should consider if there is any contract to start with and if the alleged offence is on relevant land. The consideration will inevitably lead the court to conclude that there is no contract.  Also the court should note that there is no valid contract that exists between VCS and Peel. Under the Companies Act, a contract should be signed by the directors of both companies and witnessed by two independent individuals. This alleged contract, which makes no mention of pursuing registered keepers of vehicles to court, makes its first appearance as a Witness Statement. Thus the alleged contract is null and void.  The Beavis case referred to by the claimant is about parking in a car park. The claimant is here attempting to equate that case to stopping, not parking, in a bus stop and on a road that is covered by the Road Traffic Act. The defendant submits that there can be no contract as there is no offer but there is only a prohibition. Again, it is not relevant land and VCS has absolutely no rights over it. Further, the defendant would like to point out that motorists NEVER accept any contract just by entering the land. First they must read it and understand it and then, and only then can they realise that "No stopping" is prohibitive and cannot offer a contract.   Bus stop signage The signs around the bus stop do not mention who issued the “No Stopping” signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and that the creditor should be identified. Nothing on the signs around the bus stop that says “NO Stopping” mentions VCS or Peel Investments who are now purporting to be the land owners of a public road. As the signage should identify the creditor, since it does not, this is a breach of the CoP.   The Traffic Signs Regulations and General Directions 2016 does not prohibit stopping in a restricted bus stop or stand, it prohibits stopping in a clearway. The defendant would like to ask the court to consider if any clause of the Traffic Signs Regulations and General Directions 2016 that the claimant alleges has been violated by the defendant. There is no mention of permits on the signage. If there were, would it mean that Permit holders were allowed to stop on “No Stopping” roads? Notwithstanding what the claimant calls it, the mentioned signage is NOT a contractual clause. A “No stopping” sign is not an offer of parking terms.  Since the signage around the bus stop is prohibitive, it is as such is incapable of forming a contract. Further, the defendant would like to point out that the prohibitive sign is not actually at the bus stop but a few metres before the stand itself. There is no mention of a £100 charge for breaching the “No stopping” request, or if there is one then it is far too small to read, even for a pedestrian. As already stated, a Witness Statement between VCS and Peel Investments is not a valid document. It will need more than the Claimants feather to outweigh the case against the Defendant regardless of who was driving. There is no law of agency involved. This is not a case of employer/employee relationship. VCS cannot transfer the driver's liability to the registered keeper. There can be no comparison between a railway station and an airport. This is a totally fatuous analogy which cannot be applied to this case.  As stated in the defence, it is denied the Claimant is entitled to the recovery or any recovery at all. The nefarious parking charge notice given for a vehicle on a public road bus stop was ill advised to start with.   Conclusions:   VCS has failed to present ANY reasonable and valid cause to apply to the DVLA for the Defendants details. VCS has failed to provide ANY valid  contract with the landowners. “No stopping” is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for any motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP and hence the signage is not valid the WS contract does not authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land. The Defendant wishes to bring to the attention of the court that the Claimant cites an irrelevant case of a car park and tries to apply its merits to a bus stop. That in itself invalidates the entire fallacious claim. Accordingly, this case is totally without merit. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. All the false information presented as a statement of truth could have been stated using half the words and without all the repetition which appears to be trying to build a strong case where there is none at all. One particularly bad example of misdirection is in the photographs. The Clearway sign shown near the bus stop is very unclear unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.   47. Lastly I wish to bring to the attention of the court, a systematic pattern of the Claimant’s court action behaviour in several of their cases. They tend to have a VCS paralegal writing a Witness Statement, then mentioning in the last paragraph of the Witness Statement that they may be unable to attend court and subsequently the paralegals never turn up to be cross examined. In the event that Mohammed Wali is unable to attend court to be asked about his claims, then I would like to know why he is not able to attend when the hearing has been scheduled months in advance, is during working hours and as a result of covid, is online, meaning there is no travel involved. Ambreen Arshad, the other paralegal employed by VCS, does exactly the same. 
    • Hang on. don't panic!   You sent the snotty letter which has told the fleecers to put up or shut up.  So far they've haven't taken you to court.  This might change, but so far you're in the driving seat.  You don't have to deal with them any more.  It's up to them if they have the gonads to start court action or not.   Regarding DCBL, they are not representing their client in the normal way that a solicitor represents a client, because the sums of money involved are too low for that.  They are just chucked a few quid to send a couple of "threatening" letters.  There is no point in dealing with them.   If you want the original PCN send a SAR to UKPCM only.  For the SAR letter simply click on "SAR".   However, the SAR has nothing to do with the 30 days, you've already dealt with that with the snotty letter.  You need to read lots of similar threads and familiarise yourself with the legal process.  CAG is a superb free library.    
    • Hi again, so I will send a SAR to UKPC because I don't remember seeing the  NTK.  Then should I let DCBL know otherwise they will probably issue the court papers but they might hold off if i tell them about the SAR?   what do you think?  I need to do it this weekend or it will be beyond the 30 days.  Otherwise to let it run will definitely lead to a court case perhaps??   Can I get a copy of a SAR letter on here? thanks
    • 👍   One thing, write "unlawful", not "illegal".   Sorry to be pernickety, but "illegal" = "a crime".   "unlawful" = "not in accordance with the law".    They've lied to the DVLA but that's not actually a crime, it's misuse of your personal data which is a civil matter, and you can sue the idiots once your case is over for breach of GDPR, but it's not a criminal offence.
    • Just added also paragraph 11 stating " Notwithstanding the above point, if perchance Schedule 4 of the Protection of Freedoms act 2012 were to apply, VCS should prove that they complied with the requirements of section 7 stating, “(1)A notice which is to be relied on as a notice to driver for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met. 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;” Without such proof the court must of necessity throw out this case forthwith."
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abroadgirl v Abbey


abroadgirl
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abbey £6086

this is what i am claming plus int

they paid me £703 but there offer was £910 when i asked them why was the downfall they said for me to accept there apolygy as it was an error on there part i replyied no i dont accept there apolgy and if they dont give me the diffrence of there g o gw i will take it futher this is what im doing i now have the AQ but gosh ive read for 2 days and im so confused, they are denying it all even thou i have the letter etc, now i am facing more charges £312-92p from 9th july the same reapeatedly over n over i have wrote and told them i have no intensions of paying them and that i am reclaiming these if they dont it shall be added onto the cost for the courts any help please

they were taking the charges out of my dissability i tried for overdraft but they kept refusing me but it didnt stop them taking these charges out of my dissablity/mobility

thanku for your help

abroadgirl

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are they still taking money out of your disability allowance?

you need this:

Right of Appropriation - Stop the bank from taking your money

 

as for your claim - i think it would help if you put it in an order like:

xx/xx/xx prelim letter

xx/xx/xx lba

xx/xx/xx mcol filed for £xxxx.xx

xx/xx/xx defence filed case move to xxxxxxx court

 

it's a little difficult to just jump right in without the background - so make a little diary then peeps will know where you are in your claim.

then ask your questions and peeps will be here to help you.

good luck abroadgirl.

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Hi abroadgirl, they ARE NOT allowed to take your benefits, personalise the letter above and take it into your local branch a few days before the benefit is paid in and tell them that you expect to be able to draw on your benefit in its entirey, dont let them fob you off, dont let them intimidate you, take someone with you if you need moral support. Any problems - come back here

 

then, write to them and state that you disagree with your charges and formally require the account to be put into dispute, open another account and have all your payments transferrred to that one and your standing orders and direct debits.

 

Do you have all your statements? if not you need to download an SAR to send them , but we can deal with that when you have done the letter

 

hope this all helps you

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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hello thankyou so much for all your help, i am new to this so please bear with me

i ahall tell you everything i have done it will help you all to understand me a lil ty

i used the template letters from martin i sent all thress of them, they offered me as a guesture of good will £910 so i accepted then they put in £703 in my account i wrote faxed phoned emailed then asking why and what was there reason eventully they replied saying that it was an error and they hope i accept there apolagyies, i replied and said no i dont accept there apolygy and that i want an a explanation as to why im still waiting so i wrote to them and said i am not happy and i am taking it futher, i called into my local branch after getting a mini staement and wow i have charges £295.73p

i went to the counter and asked what these were for they have been chargeing me over and over for the same from 9th january i got a letter now saying that it is £312.92p (sorry i put july instead of january)and they want this repaying with intrest i replied saying i am not paying it and i am reclaiming them so i sent the first letter and i also stated that if they dont refund me this charge i shall be adding onto the small claims

i do have statements and i have cpoies of everything from them to me i have also copied the letter where they are apolgising and says it was error on there part, so i have done everything martin has told us to i now have the allocation questioaire, to fill in, i have stopped my dissabilty/mobiliy and now goes into the po account but yes they took it out of this. thanku for listning and all your help

i will go on that link now i will check back here ty

hugs

abroadgirl.

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mini staement and wow i have charges £295.73p

so i told her i am not happy and that i am taking it to court and she said i dont blame you i wouldnt be happy either good luck

that is what she said to me

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Good Luck abroadgirl:D

 

They offered me a GOGW of £323 (against a claim of over 5K)

 

They actually put £282 in my account!!!

 

That was in January and they finally settled with me just over a week ago.

When I was going over the details of my claim with her I mentioned the discrepancy and she said "Oh well, there are so many of these claims, somebody obviously just got the figures wrong"!!!! WHAT ARE THEY ON??? This is a financial institution - I work as a budgetary officer and I have to balance finances etc... How can they offer us £???? and then credit accounts with £????. GOD knows how they balance their books (BUT as WE know - they don't know what they're doing:confused:

 

Anyway, sorry for the rant;)

 

Carry on and GOOD LUCK:D

 

Cassie

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hi tyvm for your replies i guess i do dtress a bit sorry.

no you didnt rant i enjoyed reading your post ty

the form AQ i have managed by going through the boards and printing out what has to be attaqched.

the only thing i have got and done is a spreadsheet? i have clicked on the link and it is all diffrent small boxes?

ty for all your help

hugs

abroadgirl

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http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Was it in the above link? You need to choose which spreadsheet you want in you case i think it will be the "simple calculations spreadsheet" unless you are going for contractual which a lot more complicated and at this stage i wouldn't go for that but its up to you.

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hi tyvm for your message yes ive been on that link quite afew times but it says open save then it comes up that i carnt open it it may be read only? but i keep trying

thanku so much

hugs

abroadgirl

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hi i have got it now but what do i click on i have clicked on tools, easy cal then other but i dont know what to click on next there is alot in the menu or so i just delete whats on the page and put my details in there ty for all your help

abroadgirl

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oh my i have been at this all day yesterday till late last night and today it is really doing my head in please can i send it here for u or anyone to help me i have more to put in but i feel i have done it all wrong please can u help as it has to be back by the 7th tyvm

please help

thanku so much

hugs

abroadgirl

i know its wrong

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Abbey National Plc

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SCHEDULE OF CLAIM FOR CHARGES

 

 

 

 

 

 

 

PERIOD: [DATE FROM] TO [DATE TO]

 

 

 

 

 

 

 

In Respect of:

 

Date Incurred

 

Days since offence

 

Interest 8% APR

Daily intrest

 

 

interest charge

 

£0.23p

 

2/11/2003

 

 

 

 

 

197

 

 

£24.625

 

£1.10p

 

 

d/d unpaid charge

 

£32.00

 

17/11/2003

 

 

 

 

 

182

 

 

£22.75

 

£1.10p

 

 

overdrawn interest charge

 

£0.16p

 

1/12/2003

 

 

 

 

 

179

 

 

£22.375

 

£1.10p

 

 

overdrawn charge

 

£15.00

 

3/12/2003

 

 

 

 

 

177

 

 

£22.125

 

£1.10p

 

 

cheque charge

 

£20.00

 

4/12/2003

 

 

 

 

 

176

 

 

£22.00

 

£1.10p

 

 

d/d return charge

 

£32.00

 

4/12/2003

 

 

 

 

 

176

 

 

£22.00

 

£1.10p

 

 

interest charge overdrawn

 

£0.98p

 

0405/2004

 

 

 

 

 

392

 

 

£49.00

 

£1.10p

 

 

charge for clearing visa payment

 

£20.00

 

2/8/2004

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

d/d clearing charge

 

£20.00

 

2/8/2004

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

payment charge

 

£20.00

 

31/01/2005

 

 

 

 

 

483

 

 

£60.375

 

£1.10p

 

 

cheque charge

 

£20.00

 

31/01/2005

 

 

 

 

 

483

 

 

£60.375

 

£1.10p

 

 

payment charge

 

£20.00

 

4/2/2005

 

 

 

 

 

452

 

 

£56.5

 

£1.10p

 

 

cheque payment charge

 

£20.00

 

7/2/2005

 

 

 

 

 

449

 

 

£56.125

 

£1.10p

 

 

overdrawn interest charge

 

£0.01p

 

1/7/2005

 

 

 

 

 

332

 

 

£41.5

 

£1.10p

 

 

payment charge

 

£30.00

 

15/06/2005

 

 

 

 

 

347

 

 

£43.375

 

£1.10p

 

 

visa charges

 

£30.00

 

20/06/2005

 

 

 

 

 

336

 

 

£42.00

 

£1.10p

 

 

d/d charge even when money in bank

 

£30.00

 

2/8/2005

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

charge visa payment

 

£30.00

 

2/8/2005

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

charge when money in bank

 

£30.00

 

2/11/2005

 

 

 

 

 

208

 

 

£26.00

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing cheque 001292

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing d/d

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing via payment

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing visa payment

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge overdrawn

 

£20.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge for visa debit card

 

£30.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

unpaid d/d no 19

 

£35.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge overdrawn

 

£20.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

charge for clearing d/d no 19

 

£30.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

d/d no 19 charge

 

£35.00

 

30/01/2006

 

 

 

 

 

484

 

 

£60.5

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

visa payment charge

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

cheque 001295 charge

 

£30.00

 

6/2/2006

 

 

 

 

 

450

 

 

£56.25

 

£1.10p

 

 

charge for overdraft

 

£20.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

cheque clearing charge 001292

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

d/d no 19 charge

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

visa clearing charge

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing visa payment

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

interest while overdrawn

 

£0.40p

 

1/3/2006

 

 

 

 

 

395

 

 

£49.375

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

28/02/2006

 

 

 

 

 

455

 

 

£56.875

 

£1.10p

 

 

d/d no 19 charge

 

£30.00

 

28/02/2006

 

 

 

 

 

455

 

 

£56.875

 

£1.10p

 

 

overdraft charge

 

£20.00

 

5/3/2006

 

 

 

 

 

391

 

£48.875

£1.10p

 

 

charge clearing payment

 

£30.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge clearing cheque no 001295

 

£30.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge unpaid d/d no 19

 

£35.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

overdrawn interest

 

£0.17p

 

1/4/2006

 

 

 

 

 

423

 

 

£52.875

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

17/03/2006

 

 

 

 

 

438

 

 

£54.75

 

£1.10p

 

 

charges

 

£30.00

 

17/03/2006

 

 

 

 

 

438

 

 

£54.75

 

£1.10p

 

 

cheque 0012898 charge

 

£30.00

 

27/03/2006

 

 

 

 

 

428

 

 

£54.75

 

£1.10p

 

 

d/d no 19 charge

 

£35.00

 

30/03/2006

 

 

 

 

 

425

 

 

£53.125

 

£1.10p

 

 

overdraft charges

 

£20.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge clearing visa

 

£30.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

cheque 001298 charge

 

£30.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

interest while overdrawn

 

£0.17

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

unpaid d/d

 

£35.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

8/5/2006

 

 

 

 

 

385

 

 

£48.125

 

£1.10p

 

 

cheque no 001299 charge

 

£30.00

 

8/5/2006

 

 

 

 

 

385

 

 

£48.125

 

£1.10p

 

 

unpaid d/d no 18 charge

 

£30.00

 

10/5/2006

 

 

 

 

 

382

 

 

£47.75

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

visa payment charge

 

£30.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

d/d clearing charge

 

£30.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

interest while overdrawn

 

£0.45p

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

cheque charge

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

charge for clearing d/d

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

charge intrest

 

£0.04p

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

d/d charge

 

£35.00

 

15/05/2006

 

 

 

 

 

387

 

 

£48.375

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

11/5/2006

 

 

 

 

 

383

 

 

£47.875

 

£1.10p

 

 

d/d charges

 

£35.00

 

24/05/2006

 

 

 

 

 

369

 

 

£46.125

 

£1.10p

 

 

overdraft charges

 

£20.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

d/d charges

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

cheque clearing 001299

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

interest charge

 

£0.04

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

d/d clearing charge

 

£30.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

visa clearing charge

 

£30.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

charge for clearing cheque no 001306

 

£20.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/9/2006

 

 

 

 

 

518

 

 

£64.75

 

£1.10p

 

 

charge for clearing cheque no 001311

 

£30.00

 

2/9/2006

 

 

 

 

 

518

 

 

£64.75

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

unpaid d/d

 

£35.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

charges

 

£20.00

 

22/06/2006

 

 

 

 

 

338

 

 

£42.25

 

£1.10p

 

 

mandate no 18

 

£30.00

 

22/06/2006

 

 

 

 

 

338

 

 

£42.25

 

£1.10p

 

 

charge visa payment

 

£30.00

 

23/06/2006

 

 

 

 

 

339

 

 

£42.375

 

£1.10p

 

 

cheque charge

 

£30.00

 

26/06/2006

 

 

 

 

 

342

 

 

£42.75

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

d/d charge

 

£35.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

overdrawn charges

 

£20.00

 

7/8/2006

 

 

 

 

 

305

 

£38.125

£1.10p

 

 

cheque charges001311

 

£30.00

 

7/8/2006

 

 

 

 

 

305

 

 

£38.125

 

£1.10p

 

 

overdraft charges

£20.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

d/d charge for clearing

£30.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

visa payment charge

£30.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

clearing cheque

£30.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

overdrawn charges

£20.00

 

4/9/2006

 

 

520

 

£65.00

£1.10p

 

 

charges

£30.00

 

4/9/2006

 

 

520

 

£65.00

£1.10p

 

 

overdrawn charge

£20.00

 

15/09/2006

 

 

287

 

£35.875

£1.10p

 

 

instruction 14 charge

£30.00

 

15/09/2006

 

 

287

 

£35.875

£1.10p

 

 

overdrawn charges

£20.00

 

3/10/2006

 

 

228

 

£28.5

£1.10p

 

 

d/d charge

£30.00

 

3/10/2006

 

 

228

 

£28.5

£1.10p

 

 

overdraft charges

£20.00

 

2/11/2006

 

 

208

 

£28.5

£1.10p

 

 

d/d charge

£30.00

 

2/11/2006

 

 

208

 

£28.5

£1.10p

 

 

charges

£20.00

 

3/12/2006

 

 

177

 

£22.125

£1.10p

 

 

cheque clearing fee

£30.00

 

3/12/2006

 

 

177

 

£22.125

£1.10p

 

 

overdrawn charges

£20.00

 

11/11/2006

 

 

188

 

£23.5

£1.10p

 

 

charges, fees up to

£316.92

16/05/2007

 

128

 

£16.00

£1.10o

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hi bp i went on the thread u gave me and i deleted the dollors etc and put my own in cor ive been at it now for a whole day n half think its the simple one laughs like me i guess hahahaha

ty

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abg

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hi bp,

ive just seen the post where i posted the spreadsheet its diffrent to what it actually is the £1-10p is the dailiy int rate and the other is the 8% rate

but i was getting all mixed up

sorry for the confusement im causing you

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abg

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right i'm looking at the above post and i have to be honest i can't understand it mayby its my brain! You went into the link i posted clicked on the very 1st one(simple excel)it then asks you to either open, save you chose to save it?

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yes but im getting all confused with the intrests daily intrst etc yes i saved it i could go throu all that again not another day and half phew

so i thought if i post it here iget help but it hasnt come out like it is on the thread

ty

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abg

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wow at last i gave up and went to martins page and done a speadsheet there and now i have a problem

on my cacalations i got £6086 but now i have done the spread sheet and added it up on the auto on martins page it comes to £6924.80

so what do i do now and abbey has got the first figure on there defence so what should i do

tyvm for all your help

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abg

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Yes you just need to put the kind of charge, ie cleared cheque charge (no need to put cheque no) date, and amount as to the no of days since the offence, it will work it directly and also the daily interest that is also worked for you.

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log in on my pc

i have tried a few time to to log opn infact i can log on but it wont let me go into my account

does this mean they have closed my account without telling me i cannot check etc they have asked for my debit card back which i have sent back to them in april

what do you all think of this one

tyvm

abg

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Sounds like they might have done or may be in the process of closing it. I had the same problem myself recently, I was in the process of transferring my direct debits to my parachute account when I found I couldn't log on. When I checked the Abbey said it was because I had closed my account. I told them I hadn't yet as I was just in the process of transferring dd's but they said they had received notification from my new bank that I wanted to close account. New bank denied this but it didn't really matter to me as I was changing over anyway. Have you tried calling the telephone banking on 08459 724 724. Hope this helps!

[FONT=System][COLOR=darkorchid]29.1.07 - S.A.R - (Subject Access Request) letter sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=darkorchid]17.2.07 - Preliminary letter sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]5.3.07 - LBA sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]28.3.07 - N1 filed at Worcester CC![/COLOR][/FONT] [FONT=System][COLOR=#9932cc]1.7.07 - AQ filed at Worcester CC[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]6.9.07 - Court Date!!![/COLOR][/FONT]

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