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    • I suggest that you write to the breeder immediately with a copy to the court and concede the cost of the puppy and also concede the excess costs for bringing that element of the claim. you will simply be conceding two points which frankly I don't think you can possibly win and it means that you're left with claims which are entirely winnable. Moreover the gesture of having written to the breeder making these concessions will show that you have tried hard to avoid litigation  and trouble and inconvenience to the court. even if the breeder refuses it, it will go to your credit that you have done this.    
    • Thank you. At this point I'm not sure how right or wrong I am.    But based on our conversation this evening I have gone back to the breeder via message and pointed out to them that I offer them one final chance to settle at 900 pounds.    They informed me their vets only said this treatment would cost 500. The same vets who don't notice a puppy who cant open his eyes.    And they are willing to settle at 500 as a gesture of good will. Ha! And this is why they wanted to mediate  to put this offer over. I advised that we wouldn't take less than 900 as a settlement. They arent interested.   I had to be quick as the money we used is our savings for some private health treatment we need to back in our banks by next month so really left me no choice but to bite the bullet and try and get this solved sooner rather than later     I appreciate your advice and hope the courts understand the full picture. 
    • Sorry for the additional post, I couldn't edit.   In Nolans letter uploaded in post #48, is that sufficient NOA? or does it have to be provided by the OC or Cabot?
    • After a brief consultation, the Financial Conduct Authority has now confirmed the tailored support measures for overdraft and consumer credit users affected by Covid-19. View the full article
    • Don't bother with the police. It won't get you anywhere and it's just a load of hassle. Your target will be Hermes. Get screenshots and evidence of everything and monitor this thread for a  fuller reply tomorrow   Please tell us more information. The value of the parcel, it's contents,  and dates
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
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      I’ve also contacted their customer service too
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      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
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      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Dazbot vs Shabbey


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hi, firstly thanks for the help on this forum and template letters etc! Posted first letter to Abbey and received a standard 'Dealing with complaint' letter two days after saying it can take four weeks. Should I still send the LBA on the 14th day or wait for another response?

 

thanks in advance

 

Dazbot

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This is your claim so you decide the timescales. Send the L.B.A. after the 14 days have passed. Don't let the bank try to dictate the way your claim proceeds, it's you who's in control of this.....NOT them!!

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Send it after the 14 days have expired-always work to your timetable not the banks.

PPMAN159

 

If this comment has helped please click on the scales.

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  • 2 weeks later...

Hi all, im just about to send my LBA and (although I may have been stupid) I missed off the interest amount on the first letter. Now Im about to send the LBA I need to know what Im asking for in regards to interest. I just need someone to claify it for me as my brains not working due to a cold.

 

What interest do I include - is it the interest amount that they show as a charge on my statements each month when I go into my overdraft or is it on the amount of charges each month - if the latter whats the best way of working that out? Should I get the amount of charges each month and work out the interest at the overdraft rate for that month on that amount....does that make sense??

 

thanks in advance

 

Dazbot

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Hi Dazbot

 

With regards to the interest you can claim there a a couple of options.

 

The overdraft interest is not claimable as a whole but you are able to claim a proportion which is deemed to be in direct relation to the charges incurred on the account. You should enter all the charge details into one of the spreadsheets as this will do the workings out for you. This spreadsheet will also act as your "Scedule of Charges" which should be sent at each stage of your claim as this is the direct breakdown of what you are claiming.

Once you reach the stage of filing your claim through the courts you are also entitled to claim 8% interest under Section 69 of the County Courts Act.

 

The Simple Spreadsheets will work out the 8% for you whereas the Advanced Spreadsheets will calculate both the O/D interest and the 8% interest.

 

Remember to omit the 8% part from your schedule for the early stages as this is only claimable at the court stage.

 

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

 

Hope this helps

 

Trish

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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thanks for the replay but Im still a bit lost, I have filled in the date/charges/amount on the spreadsheet - but with the interest Im not sure still what Im putting down. The 'INTEREST CHARGED' is this the amount that is shown as 'overdraft interest' on the statement? If so should I be putting down the interest which is shown on the next months statement, which relates to this months charges?? Sorry Im confused!!

 

Also Im not sure if we have blown it or not, we missed a £100 worth of charges on an old statement. If I put a new figure on the LBA will it be ok, what can I say?

 

thanks v much in advance

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