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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Claim for charges taken from benefits


steven4064
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not completly sure why s7(b) would limit the meaning of "charge"?
Its a basic problem of definition (and one that penalty charges have misunderstood - see posts 7 & 16 on this thread)

 

In the section quoted above the word 'charge' is used in a legal sense as a legal claim on money, for example an attachment of earnings.

 

My current thinking is that bank charges are an assignment not a charge as far as SSAA 1992 and TCA 2002 are concerned.

 

 

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Its a basic problem of definition (and one that penalty charges have misunderstood - see posts 7 & 16 on this thread)

 

In the section quoted above the word 'charge' is used in a legal sense as a legal claim on money, for example an attachment of earnings.

 

My current thinking is that bank charges are an assignment not a charge as far as SSAA 1992 and TCA 2002 are concerned.

 

I disagree, the section obviously includes both judicial, legal and equitable charges, for example on future income. http://www.bailii.org/cgi-bin/markup.cgi?doc=/ew/cases/EWCA/Civ/2004/670.html&query=charge+and+legal+and+equitable&method=boolean .

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Can I butt in if possible??

 

I have been successful in completing a claim for charges to be refunded on the basis that according to Social Security Administrayion Act 1992 section 187 that certain benefits are inalienable. This means a charge cannot be applied to any benefit which falls into the category of income related. This includes:

Tax Credits

Income support

Child benefit.

 

I contacted the review team on 0845 603 9793. I also emailed the customer services address and copied in the CEO. In the review dept I spoke to Sean who was extremely helpful and refunded the charges within 15 min of our conversation.

I am more than happy to help you with this claim if you need it.

 

Mrsfoot

  • Haha 1

 

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Vital Spark, contact details for the C.A.B. are both public knowledge & accessible to the public at large... Get advice .

 

Private contact details of particular members of staff, which were given to me in confidence, will remain in confidence... sorry, but there it is. that's not negotiable.

 

I would note that if steven were to pm the member I mentioned earlier it would work to his friends advantage:cool: .

Ah, right. My mistake. Full apologies. I thought you were declining to pass on the Debt Agency's number.

 

I applaud your steadfastness in confidence.

Vital spark v Lloyds Tsb

2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.

I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.

Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.

Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.

 

Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.

 

Quote: If you can't beat them, confuse them.

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Mrs Foot, you little wonder. GONGRATUATIONS!

 

Was your claim made north or south of the border?

Vital spark v Lloyds Tsb

2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.

I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.

Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.

Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.

 

Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.

 

Quote: If you can't beat them, confuse them.

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Can everyone who has posted here please go to Stevens first post and complete the petition, assuming you are in agreement.

Stevens post has a link and it is easy to complete.

Any questions, please ask.

Thanks:) or here as easier

 

Click here to sign Downing Street petition on banks unlawfully taking claimants' benefits

 

Signed

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Hi Steve just popping to see how you are getting on. medium-smiley-064.gif

 

Any progress yet?

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Finally got a letter in reposnse to SAR today (after 63 days). All they sent was a list of charges!

 

We have sent off a complain to ICO naming HAlifax and Data Controller by name.

 

Still, we have enough info to file at court which we will be doing in the next dya or so. THe letter from Halifax also said "you should be aware that if you choose to issue a claim in the courts the bank will immediatlet apply to the court for an order to stay your action until reslolution of teh bank's proceedings with the OFT" - We will see about that. In fact I'm thinking of putting a note on the N1 or as an attcahed letter to the court pointing out that the OFT proceedings are completely irrelevant to this claim. My court still issues AQs so we shall certainly include something there.

 

 

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We have incorporated comments on POC from all you lovely people

IN THE XXXXX COUNTY COURT

 

BETWEEN

 

XXXX, CLAIMANT

 

AND

 

HALIFAX plc DEFENDANT

 

PARTICULARS OF CLAIM

 

1. The Claimant has an Account Number xxxxxxx, Bank Sort Code xxxxxx ("the Account") with the Defendant which was opened in September 2003.

2. During the period in which the Account has been operating the Defendant has automatically debited numerous charges to the Account in respect of referred Direct Debits and the Claimant exceeding his overdraft limit. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

3. A list of the charges (“the Schedule”) applied is attached to these Particulars of Claim.

 

4. Since August 2003, the Claimant’s entire income has been derived from Income Support and Child Benefit paid by the Department of Work and Pensions and Child Tax Credit paid by HM Revenue and Customs paid directly into the Account. This money does not belong to the Claimant but is public money to meet the basic needs of the Claimant and the Claimant’s family.

 

5. The Claimant contends that the charges constitute an assignment of money by the Defendant and to the Defendant contrary to

 

a) s187 Social Security Administration Act 1992 regarding Income Support and Child Benefit, and

 

b) s45 of the Tax Credits Act 2002 regarding Child Tax Credit,

 

and are thereby illegal. The Claimant contends that the contract terms that the Defendant relies on to justify debiting these charges are void by virtue of the same sections.

 

6. The defendant has, in addition, levied interest on these charges which is also detailed in the Schedule.

 

7. Accordingly the Claimant claims:

a) the return of £xxxx (xxx Pounds Sterling) taken by the defendant in charges detailed in the Schedule and interest applied on the charges of £xxx (xxx Pounds Sterling and xx pence);

 

b) court costs;

 

c) interest under section 69 County Courts Act 1984 at a daily rate of 0.022% (8% per year) up to the date of judgement or earlier payment.

 

8. The Claimant also respectfully asks the court to make an order requiring the Defendant to cease making assignments in contravention of s187 of the Social Security Administration Act 1992 and s45 of the Tax Credits Act 2002 of benefits from the Claimant's account.

I believe that the contents of these particulars of claim are true

 

 

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We have incorporated comments on POC from all you lovely people

 

 

 

please stephen, check ouy this link:-

 

 

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/109831-help-please.html

 

:-? :-? :-?

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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subscribing

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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i like your style.

totally confident.

thanks for that.

i tend to 'spy' the other threads, mainly to pick up new info.

We are hoping to actually test out the unlawfulness under SSAA1992 and TCA2002 in the courts.

 

 

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We are hoping to actually test out the unlawfulness under SSAA1992 and TCA2002 in the courts.

 

 

 

 

gosh, well wouldn't that be something.

i am doing my friend's who has MS + on DLA.

 

 

i have successfully done my son's at LTSB. we ended up in the london mercantile court, last month.

 

 

this site is fantastic with all the help, cameradie + humour.

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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Was it transferred to the London MC? If so, from where?

 

it was transferred from uxbridge CC.my daughter works near uxbridge, so she filed there on behalf of my son, although we live in NE london.yes it was transferred to the LMC.LTSB settled 10 minutes before the judge mackie walked it.i now actually need your advice.the ORDER was made signed by barrister james, myself as i was representing my son + the judge.to date, i have yet to 'eye-ball' the said document.i called the court 2/7 ago + was told LTSB has not registered it.i called LTSB + was told someone will get back to me in 72hrs.i wll write to them on monday.

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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Yes looks like this one will rock.

Steven there is additional stuff related to this scenario in the recent guidance for objecting to stays.

If memory serves me right it has been drawn up by PC and is reproduced of course as a sharing excercise.

There may be bits and bobs within that to customise within your pocs.

Either way.....its very well laid out and will I believe prove a godsend for all those going down this road stay or no stay.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin

 

I've seen it. The trouble is that the PC stuff quotes case law (Woods v RBOS) that is only relevant in Scotland. Scottish cases should be dead easy because of the precedent in Woods. In England and Wales there is nothing quite so helpful, unfortunately.

 

However, we intend to file a claim along the lines above, including the request for an injunction. THat should stop them settling out of court, too, as i doubrt they will agree to stop levying charges, effectively forever!

 

At allocation, we may ask for the case to be referred to the MC and try and get a precedent. Thanks for the advice.

 

 

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