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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Help - Goldfish credit card PPI - Who to write to?


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Hi

 

I had a Goldfish credit card up to approx 2007 and I want to reclaim PPI as I was self-employed.

 

It seems Goldfish as it was doesn't exist anymore and was sold to Barclaycard I think.

 

Do I submit my claim to Barclaycard for Goldfish related claims?

 

Thanks

 

Citybloke

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Hi city

 

 

Your claim would be with Discovery Financial Sevices, which was spun off by Morgan Stanley

 

Discover Financial Services

 

This explains the history of Goldfish,

 

Barclays buys troubled Goldfish as US firm says the UK is too tough | Business | The Guardian

 

I suppose you could contact Barclaycard and see what they say, they bought Goldfish in 2008.

Edited by rebel11
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your complaint should be addressed to the company who miss sold the product, not the current owner of Goldfish. I suggest you send a SAR to the current owners of Goldfish who I believe is Barclays, this should provide you with a copy of your original credit agreement, which should show the date your account was opened.

 

You will then be able to work out who owned Goldfish when you opened the account, and therefore who to complain to :D

 

sorry if this sounds like you are going around the houses, but if you determine now exactley who to complain to it will save you time in the long run. Otherwise they will just give you the run around.

 

i won against Goldfish 3 years ago, so it can be done :)

 

good luck!

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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Cheers for the advice all.

 

I have all my Goldfish statements, so I know exactly what was taken in PPI and the interest rate on the credit card.

 

I will write to Barclays staking my claim and ask them who I should contact if they say it's not their responsibility.

 

Citybloke

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  • 1 year later...

Had my Goldfish credit card PPI mis-selling complaint upheld by Barclaycard last December and returned signed acceptance form 1st week of December 2011 but still no money!

 

I've phoned Barclaycard a few times now and they say the exact same thing every time, which is they cannot give me any idea on timescales and they have a big backlog.

 

I called the FOS and they said I could make a complaint about this to the FOS, but the FOS would have to give Barclaycard 8 weeks to deal with my complaint.

 

It seems Barclaycard can just take as long as they want!

 

Anyone else had recent issues getting refunds from Barclaycard?

 

Thanks - Citybloke

Edited by citybloke
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Hi ims...was thinking of the LBA route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action.

 

Do you happen to know how long a case takes to be heard once it has been submitted to the county court? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund.

 

Cheers

 

Citybloke

 

Hi

 

Lloyds are playing the same game sadly.

 

Maybe an lba would jolt them into coughing up.

 

ims

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Hi ims...was thinking of the LBA route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action.

 

Do you happen to know how long a case takes to be heard once it has been submitted to the county court? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund.

 

Cheers

 

Citybloke

 

Hi

 

I think it would depend on how busy your court is.

 

You may find that they pay up before getting to court....when you think about it, how could they defend? They have made an offer which, I assume, you have formally accepted, and they haven't paid.

 

Otherwise there's no telling how long you'll wait. The only good thing is that the 8% interest is mounting up

 

ims

 

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Hi

 

I think it would depend on how busy your court is.

 

You may find that they pay up before getting to court....when you think about it, how could they defend? They have made an offer which, I assume, you have formally accepted, and they haven't paid.

 

Otherwise there's no telling how long you'll wait. The only good thing is that the 8% interest is mounting up

 

ims

 

Still no payment from Barclaycard and they still insist that they cannot give any date or approximate timescale for making my refund when I phoned them again. So as it's now been 2 months since they received my acceptance form, I think it's time to send a LBA. It's not a path i really wanted to or expected to have to go down, but i can't wait indefinitely with their arrogance of not giving me any indication of when i'm likely to receive my refund...not even a rough indication.

 

Citybloke

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  • 2 weeks later...

I was pondering what to do about this non payment of refund from Barclaycard and found the email address for their CEO, so dropped him a polite but firm email stating how long I had been waiting since I returned the offer acceptance letter and that I would have little option other than to go to the county court process as Barclaycard have stated they are not willing/unable to give me any indication of when i would receive the refund.

 

2 days later.....money paid direct to my bank account!! a coincedence i wonder or did they get told by the CEOs office to sort it!

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Hi Citybloke

 

I am in a similar position to you, had a Morgan Stanley C.Card, which then went to Goldfish and then onto Barclaycard in 2007.

 

Just about to start my claim to re-coup my PPI payments; being told by Barclaycard nothing to do with them, I need to contact AXA Insurers directly.

 

I know my claim is with Barclays, not AXA, wondering if you had any of this nonsense from Barclaycad.

 

Heartening to hear of your success, well done.

 

Bubbsie

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