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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Barclaycard


happy1970
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Hi, I work for Barclaycard and am very happy to dish the dirt. In fact any questions with regards to how the collections side works at Barclaycard i am happy to tell you. post something on here and i will endeavour to give you a response.

 

:-D

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hmm,

 

you'll forgive me if I'm slightly wary happy1970

 

OK here's a question for you, in most instances when Cabot take over a debt from Barclays a letter is received that is supposedly from Barclays notifying the debtor of the notice of assignment, I think we call it 'the goodbye letter' here on CAG, can someone from the Cabot Fan Club please post up a copy. Now it is widely believed that this letter is in fact produced by Cabot and not Barclays, I know some of us have SAR Barclays and found no evidence of this supposed letter. Cabot have neither denied nor confirmed anything. Could you shed some light on the subject? Is it Cabot who create and send these letters, just as we suspect

 

regards,

shane

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Welcome Happy1970,

 

Any input would be very helpful. I suggest you post on the Barclaycard thread as well :

http://www.consumeractiongroup.co.uk/forum/barclaycard/

 

Two things:

1. As a bank worker, forum rules ask that you inform the Forum adminstrators first.

 

2. Even though you are here to help, be prepared for some stick from aggrieved Claimants

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Hello and welcome Happy. It is always nice to have employees of the financial institutions assist us with help and advice but I strongly advise you to be very careful about what you post in an open forum.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Okay

I think that first of all I need to explain how barclaycard collections works. first of all they are based in Kirkby in Liverpool. They have currently outsourced work to Delhi hence why you may sometimes get calls from our foreign friends. All accounts are dealt with in cycles ie months behind. they are dealt with up to 6 months by the general staff then up to a further two months on top of that before the debts are sold on.

This is where it gets interesting. Months 1 and 2 are dealt with by Delhi for inbound calls .. ie you call them and for outbound they are dealt with by Kirkby centre ( where you may get a snotty 18 year old that knows nothing about life talking to you as if you were something on teh bottom of their shoes)

Months 3 to 6 goes to Mercers ........... Mercers are Barclaycard.... this is teh biggest joke of all. I could be speaking to you one minute as Barclaycard about one of your accounts and then I could call you about another of your accounts as Mercers...............

With regards to Cabot ... accounts go to them when barclaycard have decided to see off a book /portfolio of debts .. If you get a letter from Cabot it is one that has been printed by them... not Barclaycard. They only print off the ones with the Barclaycard and the Mercers headed paper.

 

Ask me more and I will divulge more ....

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OK, thanks for that Happy, was aware of the charade with regards to Mercers.

 

I have another question, with regard to Barclays using different dept/companies to handle the debt be it mercers, or the contact centre at Kirby etc is there a unified system that all these dept/companies use? By this i mean often we find one dept tries to enforce a debt in clear violation because a CCA request has been sent placing the account in dispute etc. Is it simply Barclays being so unorganized when they breach the oft guidelines on debt collection because 'one hand is doing one thing while the other is doing something completely different' or do they knowingly continue to send dozens of letters and make countless phonecalls in a deliberate attempt to beat the debtor into submission?

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The problem that they have is that this year they decided to close down the manchester customer contact centre, then open two new centres in Delhi to deal with the work that manchester had been doing .... basically to save some money. Their is a massive turnover of staff at the Kirkby centre, what is happening is taht all the good staff that have been their for a long time are leaving because they are being treated like garbage. hence new staff .. poor training and no one signs from teh same book hence you may get someone with a brain who will look at the situation and help as best they can ( few and far between now ) or you will get some child who will basically read from one of the scripts. Not help or advise and basically send you a letter. One the dialling system if no one can get in touch with you ( you may be working / out etc ) they will send you a letter to get in touch. If someone then works that account on a manual queue they may well also send you a letter again having not checked if one has gone out already. They do not queue the accounts properly in a hold queue in fact managers will say at times not to place on hold as they want to " Batter " the calls ( for want of a better word) this is why you may get several calls in the same day.

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Working in collections I'm sure you get your fair share of letters from debtors challenging the legality of the alleged agreements we've been sent in response to a CCA. Recently a document wa leaked from the intranet site of Natwest purporting they would as a creditor reconstruct agreements should they no longer hold them from data already keyed on their systems. i would like to ask what steps Barclays would take in order to attempy to satisfy a CCA request, should they no longer hold the original. You may be aware there are Regulations that allow certain omissions which is what creditors always hide behind in not sending the original. Do barclays send reconstructed agreements or false copies to try and mislead the debtor into the false representation they are legally bound to continue paying the allegled debt?

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First of all working in collections we do not get so see any of the lettersthat customers send in. All teh letters are send to Northampton then forwarded to Kirkby and then a post team read the letters and place a small amount of the information that was in the letter on to the screens for the collectors to read. In Kirkby letters are kept in files , if a letter has gone to customer services with regards to charges they microfiche those... unfortunately as they work on a totally different system than kirkby works on it means that staff at kirkby cannot read any information on their pcs on micro fiche and have to go via customer services for them to read all of the information . Barclays bank do not have anything to do with barclaycard .... they are two divisions and deal with their accounts in seperate ways..I wouldn't know what barclays bank does as have no dealings with the bank itself so can't help you with anything to do with the banks side ... only the credit card side. .

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I do know that they can tidy up information on accounts as have been privvy to seeing this happen on an account that I dealt with a long time ago. Everything in teh memos that had been written on the account was wiped off .. same as they can get amended the information that goes to the credit ref agencies. They just need a verygood reason to do so. Only the priviledged few can do this .... andf i do not necessarily mean the managers as unless the sun shines out of your **** you are not given the codes to do so.

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hi happy1970, kind of you to offer to help.

 

My question is, is there any evidence that Barclaycard are worried in any way about the increase in people exercising their rights under the CCA 1974. I know thanks to the likes of CAG there must have been a huge increase in such cases and if I were a financial institution that took a gamble on over simplified but not compliant agreements I would be worried!

 

Any memo's gone round or specific training in how to deal with this new breed of clued up debtor?

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I do not think that they are worried. thing is that everything is very distorted within barclaycard. all complaints with regards to charges etc are dealt with by the customer services section in delhi. As far as Kirkby centre is concerned "they" feel that they are dealing fairly with customers! Ha Personally I think that it has all gone down the pan in the past few years but that is my view. Anyway. they have the diallers set to call all accounts at least twice a day. Everyday until contact is made and something is resolved on the account. My advice get withheld numbers barred on your landline as they cannot get through via the dialling system on these. They are not interested in the new breed of clued up debtor. they will use threats such as affecting credit rating, will get someone to call at your property ( scotcall is the favourite and my heart goes out to the guys and girls that do this ... what a cr***y job) sell debt on register your account.. etc etc .. they have these new american people dealing with things that are NOT clued up to how debt is in the uk ... the whole cheery american way of doing things makes me vomit ..

What scares them are the people who have teh balls to go to their cab and offer the £1.00 token payment ... If the cab take the account on board Barclaycard do not like it as theyhave to stop the interest.

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Hi Again,

 

Is there any criteria that decides which DCA Barclaycard will use or is it a case of take your pick (After Mercers ofcourse)

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Why when i cca'd Barclaycard did they come back with a request for my signature when they had all the information they needed to identify me from acc no, address etc? they seem to be asking for signature a lot lately?

 

Sytra

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Barclaycard do not like to deal with the cccs or national debtline as it means that they would have to accept in most cases payments of just a £1 a month and that they would have to stop the interest. Remember they want to get interest from you so not in their best interest to deal with cccs or national debtline.

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Barclaycard have a list of about 20 different debt colls agencies that they use .. basically it is the luck of the draw as to who you will get. Also as they sell portfolios of debts it means that a whole lot of accounts get lumped together .... also quite a few of the dcas are one and the same under different names... when I have a moment to spare i'll list them, makes for interesting reading !

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Barclaycard use lots of different agencys at the moment to collect.. basically they are trying different methods so as to collect the bad debt... In all honesty if they were a bit pickier as to who they lent money to or didn't lend so much they wouldn't be in teh position that they are in now !

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Barclaycard have a list of about 20 different debt colls agencies that they use .. basically it is the luck of the draw as to who you will get. Also as they sell portfolios of debts it means that a whole lot of accounts get lumped together .... also quite a few of the dcas are one and the same under different names... when I have a moment to spare i'll list them, makes for interesting reading !

 

 

interesting reading indeed!

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with regards to selling debts and in quantity as portfolio how are the Deed Of Assignments done?

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