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    • T911, Nick, thanks, I got there in the end! Without boring you with the details, it is precisely the most ridiculous cases that end up being lost - because the Cagger knows the other party's case is rubbish so doesn't do the necessary work on their own case. G24 are well aware of double dipping.  They have either done it deliberately or else have cameras which can't handle multiple visits to the car park which G24 happily leave malfunctioning so the £££££ keep rolling in. Sadly most people aren't like you.  I've just read various reviews for the Retail Park on TripAdvisor and Parkopedia.  Virtually all of them are complaining about these unfair charges for daring to spend time & money shopping in a shopping centre.  Yet no-one is refusing to pay.  They moan but think they have been fined and cough up. G24 are unlikely to do court, but it's not impossible with two tickets. Try to get evidence that you were elsewhere at these times. Often retail parks will intervene, but I've Googled & Googled and cannot find an e-mail address for the place.  Could the manager of one of your favourite shops give you a contact e-mail address for the company that run the retail park? Right at the moment I'm supposed to be teaching someone who runs two shops at the local shopping centre, but I'm not as he has had to go to a meeting with the company that runs the shopping centre, so I know for a fact that these business relationships exist!!!
    • Afternoon DX, The files were in date order. How would I put them into an acceptable format? I'm not that pc literate.  
    • I think you need to tell us what actually happened. Your original post gives the impression that you were taken to court for a speeding offence. But you go on to say that you received no paperwork. So you could not have been summonsed for a speeding offence because the police had no evidence that you (or anybody else) was driving (and it seems you were not anyway). You were probably summonsed (or more likely received a Single Justice Procedure Notice) for "failing to provide the driver's details." You would not normally be banned for this offence if you were convicted - it carries six points. So did you have any earlier points which meant you were liable to a "totting up" ban?  If you were originally convicted (as it seems you might have been) how was that conviction set aside? Did you perform a Statutory Declaration? There is simply too much missing for any meaningful help to be given. It seems as if there may have been an error by the DVLA but before you consider suing those idiots until the cows come home, you need to explain exactly what has happened.  
    • Point 4 and 10 duplicate Point 5 and 8 duplicate  Try to keep to one para with regards the agreement...various paras duplicating the same. Statement of truth is out of date refer to the claimants statement    
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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SherborneVNatwest***WON** *


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YAYAYAYYAYAYYAYYAYYYAYAY

 

I got my bank statements, well some of them anyway. They sent from oct 2002 and the account was opened dec 2001, but I have called and they have assured me that the rest are on the way. Finally I can start working out how much they owe me!!

 

I'm going to read the faq again because its been so long since I started this thing.

 

I will let everyone know when I work out how much my claim is for.

 

Regards

 

Mandy:)

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Back again...

 

I am really confused by the spreadsheet, I've worked out the penalty charges but how do you do the overdraft interest charges.

 

I've tried inputting the charge, balance, date etc but nothing seems to come up in the total box? I'm probably doing in completely wrong. But how am I supposed to know what interest is just for the charges as opposed to my whole overdraft?

 

Also (NatwestStaffMember might be able to answer this) a couple of years in to my statement the adv gold fee disappears. Is this charge being lumped into the charge I seem to get each month which varies from £10 to £40 it looks like this on the statement

 

Charge 10Sep A/C 9******5 £**

 

If so how am I supposed to know how much the fee was at any given time so that I can deduct it and not claim for the adv gold fee by accident.

 

Sorry for all the questions I just want to make sure I get it right first time.

 

Regards

 

Mandy

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So I have finally worked out my claim..........

 

£2334 charges

 

£210.37 interest

 

Can anybody tell me if the interest sounds about right as I was not sure about working it all out?

 

So my pre lim letter is going out today.

 

Mandy

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Hi the interest only comes into play when you put a claim into the court, so you don't need to worry too much at the mo.

 

good luck x

7th June mcol £30 + 276.00 + int17.37=£323.37 Abbey

Accepted £291 chq cleared 28th July

7th June mcol £120 + 1135.02 charges + 83.42 chq for £1438.44 paid to bank 2nd Aug

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lipscombe,

 

You're wrong. The statutory 8% interest only comes into play when you submit a court claim. You can ask for the repayment of any interest incurred as a result of the unlawful charges from the off.

 

That being the case, it's entirely conceivable £210.37 is "about right" though I'd recommend using Vampiress' spreadsheet which will do all the maths for you - you need to remember you can only ask for repayment of the interest which was directly attributable to the unlawful charges.

 

Fred_Funk

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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Hi

 

I did use the spreadsheet, don't think I could of done those sums without it lol!

 

Got my letter ready to go tomorrow, i'm so excited.

 

Sings "I'm gonna get my money, I'm gonna get my money"

 

mandy

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Guest NATTIE

mandytomlucy- apologies for my absence but yes NW did lump together the ADGD charges with Unarranged Borrowing. I'm not sure when but for reference, ADGD was £6,then £9,then £10 and recently £12.

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Finally got my letter sent out today, so when it gets delivered on Tuesday (special del) the clock will be counting

 

Let you know when I hear, I'm gonna have the LBA all ready to go for when their time runs out ha ha ha ha ha, well I don't remember them giving me any time to clear a couple of pennies off my overdraft.

 

mandy

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great Mandy thats the best thing to do , be prepared so you keep to your

timetable :)

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When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Got back from camping today to find the usual sod off letter from the now infamous Mr Higley.

 

Quick question do I have to keep to the 14 days until I send LBA or because he's replied can I send it now? I think its wait for the 14 days but just wanted to check

 

Mandy

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  • 3 weeks later...

Hi Everyone

 

I am doing my moneyclaim form now (well have been since last night) and I just cant seem to get it to fit in. I have used the template and cut all puctuation and spaces out that didn't need to be there but it's still too much. Can anyone take a look and give me an idea where I'm going wrong?

 

I have a contract with the defendant

dated 17/12/02 and which is conducted on

their standard terms and conditions. I am

claiming the return of money taken by the

defendant in the way of charges over the

last 5 years plus the interest they have

levied on those charges. The bank's charges

are a disproportionate penalty and therefore unenforceable as they are

contrary to common law. Further, as a

disproportionate penalty they are invalid

under the Unfair (Contracts) Terms Act 1977

s.4 and under the Unfair Terms in Consumer

Contracts Regulations 1999. Para.8 and sch.2

(1)(e). In the event that the charges are

not a penalty then they are unreasonable

within the meaning of the Supply of Goods

and Services Act 1982 s.15. I have repeatedly asked the bank to justify

their charges but they have declined to do

so. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 11/02/02 to

23/08/02 of £525.42 and also interest at

the same rate up to the date of judgment or

earlier payment at a daily rate of £0.11

 

I need to lose about 20 characters,

 

thanks for looking

 

Mandy

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This is the one I used and it fitted perfectly:

Claimant has account number ******** with Defendant from 19** conducted on their standard terms and conditions. Claimant is claiming the return of £*****taken by Defendant in charges over * years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from (Date of first charge) to (date of last charge) of £**** and also interest at same rate up to the date of judgment or earlier payment at a daily rate of *p

 

hope this helps :)

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I've got problems :(

 

I was doing my moneyclaim last night when I looked at my spreadsheets to check my figures and realised that the last letter I sent to the bank with the print out of all the charges and things were wrong!

 

For some reason the spreadsheet only has the figures upto the middle of 2005. I am so sure that I checked it before I sent it off but if thats the figures they've got can I then enter a claim with moneyclaim for the correct amount instead of the amount I told them I was claiming? Or do I have to send a revised LBA to them?

 

If anyone can follow what I'm saying please advise...

 

Thanks

 

Mandy

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  • 1 month later...

Hi Everyone

 

I haven't been here for a while as I have had some personal things going on, but I am back now and I'm going to get my claim going again. I had got to the point where I was just about to file for my moneyclaim but didn't get round to it because I didn't have the funds to pay the fees. Now that I am on benefits I am going to go to the court and get the papers to file because I think if you are on benefits you can get away with not paying the fees.

 

My question is because I have left it for so long do you think I should send another letter to the bank just letting them know I am taking the claim up again and provide them with another statement of charges or just proceed to the moneyclaim stage?

 

Thanks for reading

 

Mandy

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Hi All

 

Just checked my moneyclaim and they have acknowledged... Bit surprised as I thought they would wait until the end of their 14 days to do it as it was only served on them today.

 

So I think I am right in thinking that they have 28 days from today to enter a defence?

 

Is anyone else at this stage and wants to be my "oh my god I'm really excited but nervous because I'm suing a massive huge bank" buddy?

 

Hope all is well

 

Mandy

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