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    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
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Barclays Personal Loan


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Hi. Just after some thoughts.

 

My dad went to a Barclays branch in 2008 to take out a business loan

 

The branch staff member stated that he could not take out a business loan to start up his business

 

As an alternative, the staff member suggested just taking out a personal loan in my mums name as my dads credit file was terrible - despite him knowing it was for business purposes.

 

They went ahead with this advice.

 

My mum and dad have since split up and she's left with this loan amongst other debts he's left her with.

 

Obviously with it being a loan it's in her name only and she is liable for it.

 

She's in financial difficulty and I am trying everything I can do to sort everything out.

 

My main concern here is that the staff were happy with a personal loan being taken out for business purposes and stated 'just pretend it's for house renovations'. This was in fact their idea too.

 

Might not be anything, might be something, but during such a difficult time I'm not leaving any stone unturned.

 

 

Further information .....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?479077-Barclays-unknown-debts

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Was the debts not reviewed at the time of the split....either legally or amicably ?

 

How much is the loan for and what its age and term?

 

Regards

 

Andy

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Was the debts not reviewed at the time of the split....either legally or amicably ?

 

How much is the loan for and what its age and term?

 

Regards

 

Andy

 

I don't think she has a leg to stand on legally because the loan is in her name only. The loan is down to around the £4,500 mark but I'm unsure on the agreed term.

 

It's not something that can be resolved between them because when brought into discussion it's avoided. Because of various problems he's not able to contact her as he has been warned by the police. This has left me in the middle to pick up the pieces (yay).

 

Thanks

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Thanks ...just viewed your other thread in relation to the whole problem.

 

I would send a section 77 CCA request for starters and take a look at this dubious application to make sure all is in order.

 

Is this being paid direct or through PP ?

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Thanks ...just viewed your other thread in relation to the whole problem.

 

I would send a section 77 CCA request for starters and take a look at this dubious application to make sure all is in order.

 

Is this being paid direct or through PP ?

 

Thanks for viewing the other thread.

 

All debts are being paid through PP at this moment in time. I'm looking into writing up an SAR tonight. I'll take a look at a section 77 CCA in a moment.

 

Thanks

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But is PP paying BC or a DCA ?

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But is PP paying BC or a DCA ?

 

The one displaying 'LINK' is a DCA originally with BC.

 

The rest are displaying 'Barclays' so I can only assume they are still with BC/Barclays.

 

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If Mums BC business loan is with link ..then the Section 77 goes to link assuming its been legally assigned to them...if they cant comply with the request I would consider stopping payments if they fail to respond to your request...as they usually cant....thats one less off the list.:wink:

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If Mums BC business loan is with link ..then the Section 77 goes to link assuming its been legally assigned to them...if they cant comply with the request I would consider stopping payments if they fail to respond to your request...as they usually cant....thats one less off the list.:wink:

 

It's a personal loan because they would not give my dad a business loan and made this suggestion to take out a personal loan in mums name.

 

Barclays suggested lying and say that the loan is being used to renovate the house despite their knowledge that it would be used for a business and not for personal purposes. Do you think we should log a complaint about this or would this be a waste of time?

 

As far as I know personal loans cannot be used for businesses and considering they gave this advice they're out of line imo.

 

Do you think this could be considered misselling?

 

Thanks

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Yes I know its a personal loan...but it was used as a business loan...but all thats irrelevant....see my last post

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Yes I know its a personal loan...but it was used as a business loan...but all thats irrelevant....see my last post

 

I see. The personal loan is still with Barclays at the moment.

 

The LINK debt is for a Barclaycard but on that note I could proceed with a section 78 CCA for that one couldn't I?

 

In relation to the loan which is still with Barclays, should I not pursue a complaint in relation to the whole personal/business fiasco?

 

I've got quite a bit of work to do on this mess so I don't want to waste any efforts if I don't need to.

 

Thanks

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I see. The personal loan is still with Barclays at the moment. Excellent so a section 77 to BC

The LINK debt is for a Barclaycard but on that note I could proceed with a section 78 CCA for that one couldn't I? If its a credit card yes...send to Link

 

In relation to the loan which is still with Barclays, should I not pursue a complaint in relation to the whole personal/business fiasco? No need to a section 77 request cuts all that out..they either comply or dont...if they cant ..no pay.

 

I've got quite a bit of work to do on this mess so I don't want to waste any efforts if I don't need to.Well it takes time to sort out so you will need patience and is worthwhile if you can ease the problems for Mum.

Thanks

 

Andy

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Hi LH,

 

It'll help us if you only discuss one topic per thread.

 

Let us know which thread is about a BC a/c and we'll move it to the BC forum.

 

Also if you were charged penalties on the BC or a Barclays Loan a/c, you can look to reclaim the penalties PLUS compound interest at a nominal rate (19.9% or 24.9%) have both succeeded here, as well as 29.9%. But you will need to take court action to recover this, just like many have done in the past.

 

:-)

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