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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.  
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moo7777 vs rbs


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Hi all - hoping someone may be able to clarify a couple of issues I have with my claim.

Claim started 23 May with a letter asking for statements (template from money saving expert.com) Received these within a week, so using the calculator on that site, worked out the charge amount of £2182 + £239.20 interest.

Wrote on 14 June the folloowing letter (again from moneysaving expert) together with a schedule of charges:

 

Dear Sir or Madam,

 

Re. Account number: xxxxxxxx

I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to The Royal Bank of Scotland.

The charges total £2182, plus as I believe I have been unlawfully deprived of the money I have calculated £239.20interest at the statutory rate, the amount the court will award.

I therefore ask that you repay me the full amount of £2421.20. I have attached a full schedule of the charges and interest with this document.

I look forward for a full response to this letter within 14 days.

Yours faithfully,

 

moo7777

 

Received the standard reply from Sandy Watt - thanks for letter/considering claim/respond within 6-7 weeks etc. I then found this site and the templates seem different/better.

 

As the 14 days are up from my first letter, I now need to send the LBA - my questions are:

 

1 Does it matter that I listed the interest in the first letter (this site seems to suggest that you don't)

2 I have not asked for T+Cs yet - should I do at this stage?

3 Is there anything else I need to include on my LBA that I have missed/is wrong on my first letter?

4 I was going to adapt the template for LBA to include things that are on this site's first template not included in my first letter - does this make sense?

5 I made an error on my first list of charges - one charge of £30 I claimed was £20 referral/£10 royalties account charge - should I admit this in the letter and enclose a new version £10 lighter?

 

Thanks in advance for any help you may be able to give

 

Many thanks

 

moo7777

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I can only reply from my own experience -

  1. In my first letter asking for refund of charges I included the interest at 8% in my schedule of charges but only asked for the basic sum to be returned - I have today been offered the full sum back plus about 4.6% extra which I will accept .
  2. See below link for T&Cs altho you can only ask to be sent a copy
  3. Your letter is fine, straight to the point.
  4. Don't think it matters, as long as you get across the message that you will not give in.
  5. Yes you should correct any mistakes or errors, they might be held against you if you don't correct them first.

Good luck and don't let them grind you down:)

 

RBS: Apply - Your Information

“It's not personal, Sonny. It's strictly business.”

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Hi - thanks for this - will get on and draft LBA - can you confirm that I don't need to ask RBS for copy of T+Cs as I can get from this site?

 

Best

 

Moo

 

As far as I know, you will only need T&Cs if you are actually going to court and need to be aware of the relevant sections as regards "penalty" charges.

 

Just send your letter requesting your charges back making sure there are no errors and with a schedule of the charges including date, reason for charge and amount. Don't claim for service fees like Royalties monthly fee.

 

RBS, like every other bank, are inundated with demands so they will not be up to speed but just keep to your timetable as you set it out. They will give in eventually.

 

Patience is needed but you will win if you stick to it.

“It's not personal, Sonny. It's strictly business.”

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I have now drafted a letter before action, which includes sections from templates on this site that I feel were missing from my first letter.

 

Any comments/alterations before I send on Monday would be really appreciated.........

 

thanks in advance for any help

 

moo:)

 

moo7777

etc

etc

 

Sandy Watt

Customer Relations Support Unit

Retail Support

The Cornerstone

60 South Gyle Crescent

Edinburgh

EH12 9WF

 

30 June 2007

 

LETTER BEFORE ACTION

 

YOUR REF: xxxxxxxxx

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxx

 

 

I am very disappointed that you have failed to respond adequately to my letter dated 14 June 2007.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations.

 

If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

The charges total £xxxx, plus as I believe I have been unlawfully deprived of the money I have calculated £xxxxinterest at the statutory rate, the amount the court will award. I am enclosing an amended copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of 14 June 2007. The schedule enclosed with this letter is an amended version of that sent on 14 June. The charge on 18 Nov 2002 should be £20 not £30 as on the original schedule. My claim has therefore reduced by £10.

 

I require repayment in full of this money . I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. I will accept payment without interest should you settle within the next 14 days.

Whilst acknowledging your letter dated 29 June 2007 and the contents therein I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

 

If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

I additionally hereby request that you forward a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6©, and should you fail to provide them, this will be brought to the attention of the court, should it be necessary to commence a county court action.

 

Yours faithfully,

 

 

 

 

 

moo7777

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Your letter looks ok but where did you get the address from? The street No. is 56 and the postcode EH12 9LE, I suspect you have used the freepost code. That said, it will get there, hopefully.

 

Did you send it Recorded? Not always necessry but worth the extra expense to be able to track your mail online.

 

Good luck and with a bit pf patience you will get your money back, maybe not all you're claiming for by way of interest but you should get your basic charges returned.:)

“It's not personal, Sonny. It's strictly business.”

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Hi Yanni - thanks for checking - the address I copied from the top of the letter I recieved from Sandy Watt, so hopefully will be OK...........

 

I did send recorded.

 

Cheers

 

Moo:)

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  • 2 weeks later...

2 weeks have passed since my LBA sent to Sandy Watt and nothing from RBS at all (although letter was only delivered 12 days ago - it seems some people have had success with 1 further letter before court, which I have adapted for my situation. I am thinking of sending this as a final letter before starting court action in 7 days time.........if any one has a chance to look through to check/comment, I would be grateful.

 

Thanks

 

Moo7777 :)

 

Moo7777

Etc

etc

 

 

 

Dear Mr Watt

 

I refer to my letter before action dated 2 July 2007 and am disappointed that I have not received a response from you.

 

This may be because you are under the impression that I will not issue a claim against you for the return the unlawful bank charges debited from my account.

 

I am writing to inform you that this will be the next stage unless I receive full payment in the next 7 days of the £2172 detailed in my previous letter to you. I am once more enclosing a schedule of these charges with this letter.

 

However, please accept this correspondence in accordance with my duty under the Civil Procedure Rules to continue to pursue a settlement without the need to invoke the time of the courts

 

If you do not intend to defend your charges in court, but hoping that I will "just go away" I should to point out that this will not happen and you will incur further costs against you.

 

Take note that I will draw the Court’s attention to the fact that you have not made any attempts at settlement in accordance with the overriding objectives of CPR. Furthermore I will submit this letter to the Court as further evidence of your intransigence with my case despite my attempts at settlement and the settling by your company of all other similar claims to date.

 

Alternatively, in accordance with the overriding objectives of the Civil Procedure Rules I would like to give you the opportunity to settle this issue without the need to take the time of the Courts. My claim is for £2172. If you could ensure that this sum is paid into my bank account within seven days I will inform the court that this matter is settled.

 

If you fail to do this or respond in any way within the next 7 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Please do not waste any further time with something you do not intend to defend.

 

Yours sincerely

 

Moo7777

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May I suggest before sending your letter that you try sending an email - address is below - just a little informal "gee up" note to show that you're still around, then if you get no response to that within the next day or two, send your letter.

 

[email protected]

 

 

Best to print off the email and keep it with all other correspondence.

“It's not personal, Sonny. It's strictly business.”

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Hi Yanni - thanks for checking up on me again!:)

 

Good idea - will send an email today and if don't hear anything by the time the 2 weeks is up since was delivered (18 july,) will send letter.

 

Best

 

Moo7777

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SO..........sent off the following email:

 

Dear Mr Watt

 

I refer to my letter before action dated 2 July 2007 and as of today I have not received a response from you.

My letter was delivered to you on 4 July 2007.

I will therefore allow you till 18th July to respond.

May I emphasise that if I do not hear from you within this time, I will continue my proceedings without further notice.

I look forward to hearing from you.

Yours sincerely

moo7777

received the following reply

Dear moo7777

On checking our database, I note that your claim was received here on 14

June 2007, there is no note regarding any further correspondence.

 

Please be advised that, under FSA rules, we have 8 weeks in which to issue

our response to your claim.

We will respond within that period.

 

Sandy Watt

thinking now what to do........

his mail suggests that he has not received my LBA dated 2 July - is this delaying/confusing tactics? (I know it was deliered as I have seen the sighned for docu,net on royal mail.)

I will obviously ignore the timescale......but.....

Should I follow up by email or post?

Should I send LBA again? or email them proof of deliery?

Will think, but if anyone has any ideas, plz let me know.

Thx

Moo7777

 

 

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I suggest you either scan your letter of 2 Jul & the proof of delivery and send them by email to Sandy or you copy & paste that letter to an email and send that - I reckon that poor Sandy and chums are up to their necks in claims and quite honestly can't cope and it is the middle of the holiday season so they will be short staffed - I would do as above and wait to see what ensues - hopefully they will offer you a percentage of your claim within a week or two for you to accept as part payment of full claim, At least that is my experience - and as I write this I have just received an email from one of Sandy's colleagues to inform me that my account has been credited with my money - woo hoo!!

“It's not personal, Sonny. It's strictly business.”

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All sent off by email/attachments (copied below for interest - thought I might as well keep the pressure on......!) so will wait till end of business on 18 July before next follow up.

 

Yanni - Don't spend it all at once.... and have one for me!

 

Moo7777

 

Dear Mr Watt

 

For your information and further to my letter dated 14 June, I sent a letter

before action to you, which was dated 2 July 2007.

 

This was sent recorded delivery and was signed for on 4 July.

 

I am attaching a copy of the letter sent, together with a print out from the

royal mail website track and trace which proves it was delivered to you.

 

As this letter was delivered and signed for on 4th July, I still require you

to take action as outlined therein, prior to July 18.

 

I look forward to hearing from you.

 

Yours sincerely

 

Moo7777

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I went to my branch to check if my money had been credited to my account and sure enough they had credited my account by £2507, less £15 in sums of £5 X 3 which apparently was for my statement copies - they've made a mistake about that, so hopefully they'll credit me with £5 - also they had debited my account with £39+ in interest so I will contest that - but over all I am so chuffed as a year ago I was owe RBS over £6500 - the residue I am contesting as a missold loan and is in the hands of the FOS - so all you peeps out there take heart - from asking RBS on the 10th of May to gies ma dosh back pal to Independence Day, Sandy Watt and chums came good and coughed up.

 

For the record I was claiming back £2395 back 5 years from 21 July 2006, when RBS unilaterally and without prior notice closed my current account - they have however reimbursed me for £2507 less about £65 for charges and interest, some of which I will challenge, but I am sooo happy to get back money which I knew in my heart had been" stolen" from me but didn't know I could get it back, but thanx to CAG I have won it back.

 

So to all of you who are having doubts, follow the guidelines set out, persist, keep to the time schedules because you will win - the banks are wrong, they know they're wrong and we, the wee peeps have them by the short and curlies - I hope the above makes sense but I've been sampling some wines from Argentina & Australia by way of celebration:) :p:-D:shock::roll:

 

ps sorry moooo, I have realised I've hijacked your thread to celebrate my win, sorry

“It's not personal, Sonny. It's strictly business.”

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cool news - hope the wine was good.........and the head this morning.......?!:confused:

 

no probs using my thread - it's good to have news like that

 

in the meantime, I have received the following mail from Sandy Watt:

 

Dear moo7777

All mail for delivery to this Unit is dealt with by a 'central mail point',

this includes Recorded Delivery, these are signed for by the staff

ain that area.

As already mentioned below, we will respond to your claim within the

timescales, as set by the FSA.

Should you decide to action within that period, then that is your decision.

 

Regards

 

Sandy Watt

Everything I have read on this forum suggests that I should stick to my timescale, so will send an adapted letter in post nine above, tomorrow at close of business.

 

2 questions

 

1 - is it OK to continue with that letter and court if they are saying they haven't recieved my LBA yet? Or would the court look on it, that it had been delivvered, so why can't they find it?

 

2 - if the FSA have set these timescales, how come it is OK for me to set my own? IS it because by the time the court case will be well in action, they need to have made their decision anyway, so it just pushes it along more quickly?

 

I suppose I am worried that court proceedings are imminent and feels a bit nerve-wracking.......

 

Will post again when I put up the letter that I send.

 

Best

 

Moo7777

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I can only speak from my own experience but I would be inclined to hang fire until you get a response - just keep up the pressure but not too much as I believe they will pay out in their own time and as Sandy has said they do have 8 weeks to respond by FSA rules - as I have posted on my own thread, my claim took from 10th May to 4th July, just under 8 weeks and very little hassle, just a couple of emails to Sandy to remind them I was still alive. I honestly don't think going to court would have been any quicker altho my claim was over the limit for small claims in Scotland so court wasn't really an option for me without going to a lawyer.

 

I did threaten, sorry advise, RBS that I had taken my complaint to the FOS which I have, altho have since asked FOS to delete my complaint over the default fees.

 

Altho I curse RBS as an organisation, everybody that I have dealt with at The Forthstone has been nothing but friendly and helpful.

“It's not personal, Sonny. It's strictly business.”

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The problem is weighing it up though. Yes you could wait and see what progress RBS make in due course, but what if they don't? You might wait the 8 weeks, not hear from them and THEN have to file a court claim. Only might.....

 

The FOS expect a complaint to be dealt with within 8 weeks and allow 8 weeks to pass before they get involved. That doesn't make it the rule which is why we allow 28 days (why wait 8 weeks?).

 

I wouldn't worry about taking this to court - you have your proof you sent it so how can they argue with it? It is not your fault it has gone astray.

 

Decision time! You need to make the call, either step up and file a claim, add your 8% and wait for a payout, or hold your horses and wait for a payout. You should get a response either way, just depends on how you do it.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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thanks, both, for your input - it's been a long day at work.....just back, so will sleep on it (after a beer or two, maybe.)

 

Decision time tomorrow (nothing like putting it off!):-)

 

moo

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just penning my next letter - does anyone know if Sandy Watt is a Mr/Mrs/Ms?

 

I have been addressing to Mr but have seen other references to Ms

 

Thanks

 

Moo7777

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OK - am going for the gentle approach - see below (it's only just over two weeks till the FSA dealine, so if it goes to a court claim, will not be too long behind my original schedule.) I will email Sandy again after a week to let them know I haven't gone away..............

Moo7777:)

Dear Mr Watt

I write further to my previous letters and emails in relation to my claim.

In relation to your email dated 17 July I am sending this letter recorded delivery and also attaching to an email should the delivery to your office be delayed.

After considering the contents of your two emails to me on the 16 and 17 July I have decided to postpone court action until 9 August 2007. Under FSA rules, this is the date by which you have to respond to my claim.

Whilst that is the date by which you have to respond, I would very much hope that you will be in a position to respond prior to this date.

My claim is for £2172. If you could ensure that this sum is paid into my bank account by 9 August 2007 there will be no further action from me.

I am once more enclosing a schedule of these charges with this letter.

I look forward to hearing from you.

Yours sincerely

Moo7777

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I believe that the consensus is that Sandy is actually the female of the species - probably better addressing the letter "Dear Sr or Madam" otherwise your letter is fine -

 

Good luck:)

“It's not personal, Sonny. It's strictly business.”

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It appears to be one of the worlds biggest mysteries.......

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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All change today it seems...............OFT taking the banks to court...........could take a while now - it seems the FSA is allowing the banks to suspend deleaing with claims while the case is heard.........:x

 

Oh well......................

 

moo7777

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