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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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      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.

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Continuing a financial arrangement.


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Can we send an SAR for a current bank account, and if so, do we use/amend the same one that we used for creditcard SAR's?

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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yes

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks!

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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A bit of research, plus a phone call, [a general enquiry, I didn't give my name], turned up the name of a compliance manager, at Barclays.

 

Letter sent to him yesterday, recorded delivery, explaining that they are in the wrong by not sending SAR, and even more wrong, by not acting on the reminder.

 

Given them until Monday to get the stuff here - if it doesn't arrive, then I'll report them, [on reflection, I will anyway]

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Looking at my diary of post out/in for this thread, I find that RobWay have not sent CCA, they say that they've gone back to OC for it, [but we know that none exists]

 

Also Capquest have sent acknowledgement of our CCA request - same there, we know that CCA doesn't exist.

 

Both have had "Account in Dispute" letter.

 

However, both have cashed the cheques sent for the CCA's - these cheque's were not drawn on my friends' bank account, they are on one of my accounts.

 

Naughty! Naughty! I think - advice please?

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Formal complaint to the data controller is needed and put account formally in to dispute.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You need to keep a record of those cheques, the date they were cashed and the purpose you sent the cheques for. It is amazing how many times a DCA has tried to say that a payment of £1.00 or £10.00 was made to the account in order to mess up a statute barred period..

 

The monies for both the CCA and SAR are the legally required fee for these requests.. and if used for any other purpose, such as applying to the account, it is just an unsolicited gift from the DCA.

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Uploading documents to CAG ** Instructions **

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4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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OK Brig and CitizenB,

 

Both accounts are in dispute already, using the template letter from the CAG library.

 

I'll make formal complaints to the respective data controllers, by letter tomorrow - I have to sit here, because my van will be at the menders, having new injectors fitted.

 

I'll also print off my bank statements from my on-line banking page, and put the print-offs in the appropriate files.

 

Many thanks,

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Formal complaints now made to CQ and RW data controller, ref "mis-use of fee's".

 

Received letter from RW this morning, a load of rambling stuff about the account remaining "on hold", preventing any collection activity at this time.

 

Ends with "We will contact you in due course" - I don't think so!

 

They've an amount owing which is inflated to about five times the true balance, inflated with charges from HFC and CQ, nobody could ever work out what the true balance could be.

 

And, they've failed to provide a CCA, but cashed MY cheque that was provided to pay for it!

 

Also, now in possession of a similar letter from CQ, and they would not be able to present a credible "true" balance of account, either.

 

CQ have also mis-used the fee, by cashing MY cheque, and not supplying a CCA.

 

These two will never go near a court with this load of fiction!

 

I'd put a running total along the bottom of my posts, but I don't know how!

 

I'm about to write Cabot out of the equation, too.

 

Natwest are teetering on the brink of a write-off, the only troublesome one is Barclays, now.

 

They've now only got until Monday to satisfy our SAR, or we'll drag their data controller into court - failing him, them we'll go for a handful of "Diamonds"!

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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:lol:and to think i started all this trouble by asking you to check your CRA file!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That's right dx, and we only got the Call Credit and Equifax files, in the end.

 

Experian have still not sent my friend her file, and they owe me my fee, too!

 

Somewhere in this thread, somebody wrote that the relationship between DCA's and CRA's is an incestuous one.

 

I Emailed the ceo at Experian the other day, regarding the return of my two quid, and I've have no reply, and no fee - I can write in this thread, that at least one Credit Reference Agency has so far kept the money.

 

Sam

Edited by dx100uk
change I'll to I+ libel comments - becareful - dx

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Are you saying you requested a copy of your file from one of the CRAs and they have failed to provide within the statutory period of 7 days ?

 

tsk, tsk.. send them the following :) There are some places where information has to be added/amended.

 

 

Dear Sir or Madam,

s9 (2) Limited Data Subject Access Request in Default

The Data Protection Act 1998

I am writing to complain that you have failed to respond to my valid s9(2) Limited Data Subject Access Request served under The Data Protection Act 1998 (the “Act”). The details requested have not materialised before the end of the prescribed period beginning with the relevant day. The relevant day means the day on which you received my request or, if later, the first day on which you have both the required fee and the information referred to in subsection 7(3).

 

My signed s9 (2) Limited Statutory Request included the required £2 Statutory Fee, as outlined in The Data Protection (Subject Access) (Fees and Miscellaneous Provisions) Regulations 2000 Statutory Instrument 2000 No. 191.

My request also included all information that any Data Controller could reasonably require under s7 (3) of the Act to confirm both my identity and my address. I provided you with my Full Name, my Address, my Postcode, my Date of Birth, my signature and I also stated that I have been resident at the Address provided for XX years. A copy of that request is attached along with a copy of the postal order number/ Cheque number 12345678 .

For the avoidance of doubt, you have obviously received my s7 request limited by s9 (2), having banked the postal order / cheque on DATE this was confirmed by the Post office/ BANK.

Therefore, please take notice that if you do not comply in full within 7 Calendar Days from the delivery of this complaint then, without any further notice, I will be making a formal complaint to the Information Commissioner’s office.

Yours faithfully

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So - it seems that not everybody at Barclays is sleeping!

 

A letter this morning, apologising for the delay in the SAR, it was delivered to them on 22nd Feb, a reminder on 5th April, and a "final, final reminder" on 18th April, [sounds like a DCA, doesn't it?]

 

But no SAR!

 

The letter confirms that the "request is underway" - I don't think that something as inanimate and abstract can be "underway", can it?

 

They are asking which branch to send it to, for collection; a driving licence or passport will be needed on collection - the form to send back, requires my friends' name and signature.

 

If photographic proof is provided, does she have to provide a signature?

 

Would she need to provide a signature at the counter for receipt?

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Yest they will not release the documents without a signature.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you Brig, slick as ever!

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Share on other sites

I have "hidden" a few posts that made no sense as the post that was being referred to had been removed :)

 

Please, do not comment in respect of this post or those that have been removed - let's keep the thread tidy now - I thank you :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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And now a letter from Cabot, stating, in a roundabout way, "We cannot force you into a Court and make you pay anything", and then they go on to, sort of suggest, that they are are still open for donations.

 

The answer is, "Don't try and appeal to my better nature - you haven't got one, nor have I"

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Share on other sites

  • 1 month later...

Still waiting for the SAR request from Barclays to be satisfied!

 

I've wrote several letters on my friends behalf, with no replies.

 

Then wrote to another Barclays address - they received the letter on 22nd Feb [this year; I thought I'd better mention the year, because Barclays don't know what Planet they're on!]

 

They've sent acknowledgements, please refer to post #163, and on 24 April stated that the process is "underway".

 

Then on 17th May, another letter, stating that they are "committed" to resolve my friends' "complaint", by 19th June!

 

Apart from the fact that I think that they should be committed, to a secure institution, I point blank refused to send off her "quid" this month [she's had no annual statements, no receipts, and very little meaningful communication from them]

 

Today, a letter noting that the quid hasn't been sent, and threatening legal action, and all the rest of the clap-trap.

 

I think that they are at cross purposes here, but I can't help them, I think they are at cross purposes with themselves.

 

There isn't a "complaint" other than "What the **** are you up to?

 

What do you reckon, sit tight, because I cannot see them stand up in court for a quid, whilst I'm holding the diary of events - can you?

 

Sam

Edited by sameagle
Replaced "problem" with "complaint"

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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no

 

i'll ask our barclays expert to pop in.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi Sam,

 

Looking in as requested by DX.

 

I've not been through the whole thread but I think I have the gist of the situation.

 

If the recipient of the £1 monthly payment has failed to produce evidence of their ownership of the debt, don't pay them until they do.

 

If they (or the bank) HAVE produced a credit agreement, Notice of Assignment, T&C's or whatever else to show they are entitled to collect, keep paying them the £1 per month.

 

Pursue the SAR so you can see if there are any charges or PPI to reclaim. I saw this mentioned in the 1st page of the thread but didn't see any further comments about it.

 

I'll keep an eye on this from now on to see what transpires.

 

:-)

We could do with some help from you

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Thank you Slick,

 

The thread is a diary of five separate accounts, which makes it rather difficult to follow, three of the accounts are in dispute, and I'm now dealing with the last two, Natwest and Barclays.

 

The interest claim on the charges that were applied by NatWest, have covered the remaining balance, except for £1.92p, and I shall have the greatest pleasure in sending them a letter next month, pesenting them with that fact, plus a cheque for the amount.

 

I shall also tell 'em "That's it, you 'aint getting no more"

 

One of the "in disputes" is a Barclays, purchased by Cabot - Cabot were easy to deal with, but again, it took ages to get information from Barclays.

 

I'm not sure if they are simply in a shambles, due to poor management, and lack of leadership, or whether they are simply being bloodyminded, which again, doesn't say much for their management, [on reflection, it speaks volumes, most of which is unprintable here!]

 

We've not sent for a CCA from Barclays, this is an SAR that we are waiting for.

 

My friend has never had any statement of account from Barclays, one cheque, [sent by me last year], which I know was received, has never been cashed, and the whole process of getting this SAR has been met by what I would call arrogance and dumb insolence - that's when they've bothered to reply, of course.

 

That's why I'm refusing to send any more until they pull their finger out - sending threatening letters to customers, whilst not complying with legal requests themselves, seems to be a bad way way to run a company.

 

In separate letters, they have referred to "the SAR information", and "your complaint", which makes me think that two different departments are writing about different things.

 

Anyway, thanks for the advice,

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Ahaa, that's why I found the thread confusing !! You should have a separate thread for each case, otherwise the info gets very confusing.

 

If you want to discuss the Barclays case further, feel free to open a new thread here or in the Barclays forum. Start it with a brief summary of events to date for that account.

 

If it's in the Barclays forum, I'll see it in due course.

 

If it's here in the debt forums and you want my input, send me a PM with a link to the new thread.

 

:wink:

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Hi Sam,

Not wishing to hijack your thread. Just wanted to say your thread has entertained me this evening, in particular your 'Retirement diary'. Most amusing.

You are very much like myself, in as much as a 'dog with a bone', never give up.

Your friend has a wonderful friend in you and I wish you all the luck with your quest.

Go get em........

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Thank you Shelley,

 

It's nice to know that others read the forums for reasons other than giving advice, and that I've cheered somebody!

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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  • 1 month later...

I'm back!

 

It seems that I still have dealings with NatWest and Barclays, before I can finally put this lot to bed.

 

At this point, I think it will be best if I open two threads, one for each.

 

Can I ask, I know how to start a new thread, but do I need to somehow link it back to this one, so that readers will know what has gone on before?

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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