Howdo, ....don't seem to have approval to view that page Mmm...argh....what to do ! I don't (can't afford) really want to risk facing the chance of increased costs if I were to "loose" if I don't have the where with all to finish the job of successfully (in my favour) especially of the odds of success are reduced due to the relatively small amount being charged within the last 6 years. S.32 doesn't seem to be something a non legal person can always make much sense of - other than not having all my original Statements until recently I wasn't really aware of the total charges going back over 6 years – I guess that alone wouldn't stand up as a reason for extending the “6 years timer” ? Unanswerable question I know but what chances of Barclaycard actually putting up strong defence rather than making an offer at some point before it gets to that point or indeed a judge favouring their defence. Thats the call I know ! As an additional thought do Barclaycard take a stance against customers who recover charges by closing their accounts and/or reducing credit available ? Many thanks again Slick Blagton.

Evening (well morning) Slick, Many thanks again for your time in replying. OK, noted. Ta. Mmm...OK. I've used the Small Claims in the past (unrelated issues) and don't really have an issue with the thought of going down that route but any advise/info on what additional costs might be incurred if it got to the stage of “Fast Track”. I see mention of “£545 Fast-track” hearing fee ! I take it even if it was a case of me “seeking to keep in Small Claims” that would not be my decision ? I guess if I could just get back the Late Payment charges alone via Small Claims it would be worth it. Would you expect them to defend a little more vigorously due the majority of the charges being 6 years+ OK, I guess I need to try and gen up a lot more on the s.32 thing [daunting]....I take it “the penalties are unfair, excessive and unlawful” not always good enough ! Again, thanks. (I may be back - sorry !) Blagton

Hi SLick, Many thanks for the quick reply - appreciated. OK, I guess I should read something like this thread on s.32 then ? http://www.consumeractiongroup.co.uk/forum/showthread.php?248391-S.32-Limitation-Act-and-Bank-Charges Yes, there are some, albeit just a few within the last 6 years. Yup, will do. Barclaycard VISA 1. Total Charges Over 6 years 194.00 2. Total Charges within 6 years 48.00 3. Interest at 24.9% to date 1,885.22 Barclaycard Mastercard 1. Total Charges Over 6 years 546.00 2. Total Charges within 6 years 48.00 3. Interest at 24.9% to date 4,652.26 In each case I have a charge of 20.00 in September 1998 which is shown on my Statements as "Out of Order fee". Would your suggestions/advice with regard Barclaycard be extended and be the same for NatWest. Your thoughts very much appreciated. Thanks Blagton.

Hi All, First off I have made a similar post in the NatWest sections too – hope that's OK and not seen as a duplicate post ? I know, I know – much written already but I have spent the last few days reading through the many threads on here and elsewhere to try and get my head around things ! As with others who have have “left it late” why I have never got on with this earlier I don't know.......anyway... My enquiry just relates to Late Payment charges only. I have a Barclaycard VISA and Mastercard that go back some years when Barclays gave you just Barclaycard VISA and other banks Access. From late 90's to mid 2000's all four cards had fluctuating and at times high balances that resulted in quite (ahem) a bit of interest together with late payment charges varying from, initially £10, £15, £18, £20 and then back to allegedly “acceptable” £12. Most of these charges were made over 6 years ago. From mid 2008 all card balances were cleared and have since been operated without any late payment or interest charges. I have all my original statements going back over this and earlier periods so have documentary evidence. There is nearly £850 in total late payment charges, of which £250 or so is over the "£12 figure". So I guess my questions based around “Can I still claim ?” are: 2. Should I claim for the charges only even though most are over 6 years. I have seen some mention on other forums that over 6 years and its Statute Barred and cannot be claimed whereas on here I see some that have had success. 2. If I was to claim should it be for all the charges and add interest (compound) – if so at what rate (Statement ?) and to what date - my claim date or when the balances were cleared ? 3. Should I just claim for the charges over the complete period but only those over £12 ? Plus interest ? 4. Not bother too late Thanks very much in advance for any info/input. Blagton.

Hi All, First off I have made a similar post in the Barclays sections too – hope that's OK and not seen as a duplicate post ? I know, I know – much written already but I have spent the last few days reading through the many threads on here and elsewhere to try and get my head around things ! As with others who have have “left it late” why I have never got on with this earlier I don't know.......anyway... My enquiry just relates to Late Payment charges only. I have a NatWest VISA and Mastercard that go back some years when Barclays gave you just Barrclaycard VISA and other banks Access. From late 90's to mid 2000's all four cards had fluctuating and at times high balances that resulted in quite (ahem) a bit of interest together with late payment charges varying from, initially £10, £15, £18, £20 and then back to allegedly “acceptable” £12. Most of these charges were made over 6 years ago. From mid 2008 all card balances were cleared and have since been operated without any late payment or interest charges. I have all my original statements going back over this and earlier periods so have documentary evidence. There is about £1200 in total Late Payment charges of which £350 or so is above the £12 figure. So I guess my questions based around “Can I still claim ?” are: 1. Should I claim for the charges only even though most are over 6 years. I have seen some mention on other forums that over 6 years and its Statute Barred and cannot be claimed whereas on here I see some that have had success. 2. If I was to claim should it be for all the charges and add interest (compound) – if so at what rate (Statement ?) and to what date - my claim date or when the balances were cleared ? 3. Should I just claim for the charges over the complete period but only those over £12 ? Plus interest ? 4. Not bother too late Thanks very much in advance for any info/input. Blagton.

Where have you read this this conflicting info ? Blagton

Take some time to read a small number of threads on here and you will see that there are loads of of people the same as you. You will also come to realise the 3 rules you need to follow are: 1. Ignore 2. Ignore 3. Return to 1 Don't bother wasting your time worrying about it or communcating any further with them. Just ignore the junk that will come from them. Make sure though you understand why you are ignoring (Contract Law - claims for actual loss, contract is with driver not RK and so on) then so you can advise your friends and family should they end up in the same situation. Blagton

Nothing will happen although in the interim period you will receive, spread over several months junk mail some correspondence from NCP and their cronies suggesting all manner of things will happen to you if you don't pay. It won't. Read the threads on here to familiarise yourself with how the PPC operate and why the advice is to do nothing. Once you have that sorted make sure you tell your family and friends what to do if they end up in the same situation. Blagton

How about you tell them I was driving and send me the £75 ? Would you do that ? Blagton.

They may see you as a fish wrigging on the end of the line and if they send enough really scary letters you may give in ! Just don't bother to respond to anything else they send you - your next letter will be one that goes along the lines of "we have considered the comments in your letter but find no reason to cancel the charge on this occasion - pay up" ! As you have probably read already yiou will then receive a series of letters suggesting all manner of things will happen to you if you don't pay - it won't. File them away and you have something to show family or friends who might end up in the same situation in the future. Don't forget though your Blue Badge means nothing on Private Land - in the same way whilst I don't have a Blue Badge I could park in a disabled bay in a supermarket as it is nothing more than another parking space with coloured paint on the floor (I hasten to add my own morals would stop me but that isn't the point being made). Blagton.

By ignoring you can be sure that the you will be sent the regular set of letters over several months so you can take pleasure in the fact you are doing your bit for the postmen and women of Royal Mail. Blagton.

OK, let me think on that for a second or two................ ...OK, I think I can now provide you with the following advice: Ignore. You must do this until you receive the next price of junk mail correspondence from them when you must: Ignore some more Thats it. You say that you "have just found the forum" - in which case take some time to read a selection of posts regarding PPC so you will become familiar with why you should ignore them (I appreciate it looks like you have done that already but keep reading). The same situations occur over and over again but once you understand how the [problem] works and why the advice is Ignore you can pass this along to others with the correct reasoning rather than the "Ignore 'cos some website says so" mentality. Your posts also highlights the inneptitude of some people at the likes of TS and why when talking to them and the likes of CAB yiou should often take what you are told with a pinch of salt and look elsewhere for either confirmation or contradiction of what has been suggested. Blagton

How can they issue proceedings against you when they don't know who "You are" They only have the lease company details as RK. If I say you owe me £100 would you pay ? Well one solutuion is to instruct the Lease Company to reveal who the driver was (ie you) and that all further communiation should be sent to you direct. Once that has been done the lease company will be out of the loop and you can then ignore any comminication they send you. I would also suggest you try to make sure you understand how the [problem] works - Forget them all - your have fallen into the trap that you consider the PPC to be ethical and considerate to your point of view. By all means put your case accross however looking into my magical crystal ball that can predict all things (except next weeks lottery numbers) you will receive a letter saying "Tough - appeal failed". Blagton

Well, being the very thoughtful people that CEL are (yeh, yeh , OK) they have already given you all the advice you need thmeselves: Blagton.

Does your Wife often throw £115 in the direction of strangers on receipt of an Invoice for somthing she never ordered ? If so let me have your address as I could do with boost to my holiday fund. Blagton.