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    • Hi   I could be wrong here so could @namedisplay please clarify if I am correct or completely wrong?   In your post#1 you mention that due to your health issues and your mental state at the time you rang the Training Room and was told it would cost and initial £200 and then £15 per month until you finished the course.   Then further in post#1 The Training Room told you you were not eligible for an extension because you hadn't completed enough of the course.   With the above I now refer Post#12 which mentions your circumstances are covered by 13 in the TTR Terms and Conditions.   What is mentioned above seems conflicting from TTR for the following:   1. IMO that money of £200 and then £15 per month (on top of original Course Fees) was them at that time agreeing to an extension as per 13 in TTR Terms and Conditions   2. Them stating you can't extend Course as not completed enough of Course is not in TTR Terms and Conditions (that I and others can see) (Note they could be referring to 15 in TTR Terms and Conditions)   Can you clarify the above and were you informed those extra costs were due to an extension of your Course.   Again I will ask did you provide the Training Room with Medical Evidence when you asked the above?   We also still need to see the Letter from Training Room Threatening Legal Action (fully redacted) which you still haven't posted?   You need to send The Training Room a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase means whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond to your SAR Request and that Time Limit only starts once they have acknowledged your SAR Request. They can extend that Time Limit if they need to prove identity before actioning the SAR Request so be aware of that.   A SAR Request is now FREE and make sure you get Free Proof of Posting from the Post Office     Your right of access ICO.ORG.UK   Can you please make sure you answer the questions asked of Caggers to assist you    
    • I've been trying to resolve a issue with 8 PCN issued by Tyne Tunnel 2 (tt2.co.uk). Tyne Tunnel 2 is a gated toll charged tunnel to cross the River Tyne in Newcastle. We moved in recently so all a bit new to us. My dad had been using the tunnel about twice a week and he had been paying cash for the toll fee at the booths. At some point in November 2021 they had done some constructions where the gates had been closed and payments had transitioned to online methods. My dad had been oblivious to this and been on his merry way multiple times thinking that he doesn't need to pay. So he received the first PCN some where end of November which had been issue on the 26th after which point I went on alert and sorted out the online accounts and such. However the current total of fines has amounted to £255.20 and I have appealed explaining that soon as the letters were received we have resolved the issue but they insist on us paying 8 PCN. I feel it's unfair that the fine is for the same offence which we couldn't have rectified or known until we received the first PCN letter and after the first PCN we have rectified it so feel they are being bit draconic. Any advice on this matter? 
    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • std letter the court send simply telling you the claimant has 28 days to do 'something' else the claim get autostayed.   go read a goof few 10's of PCN claimform threads.    
    • Update. I get the feeling they will try and take me all the way. Just have to wait and see. court letter..pdf
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Barcleys, Debt Managers, Lowell

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Took action against Barclay's to recover my charges which was a long drawn out process but got the right result in the end.


While I was in the process of claiming from them they put some more unlawful charges on my account but as I had already started court action it was to late to add these. While my account was in dispute they issued a default notice. I know I should have done something about it but was very busy and don't borrow money if I don't have the money I don't buy, so didn't really bother me.


Some time ago I had various letters from a company called Debt Managers which must be Barclay's as it had the same return address on the back of the envelope, do they thing I am really that daft.


Any way wrought to them asking for them to clarify what the alleged debt was for which they failed to reply too. I have now had a letter from Lowell portfolio claiming to have bought the debt. I then received another letter from Lowell financial claiming to be acting on behalf of Lowell portfolio asking for the money.


What is the best line of attack as it would appear Barclay's have sold a disputed debt? Not worried about the money as they would get no where in court as they would have to produce proof of what it's for and as I know about 70% is for bank charges.


Just want to give all the scumbags that think they can push people about a hard time and show them not everybody is scared of them.


So any ideas of what to put in letters who to report them to and what codes of conduct or laws they are braking greatly appreciated.

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You could try sending them this letter




Dear Sir/Madam,


Your ref:



Thank you for your letter of **DATE**, the contents of which are noted.



I am disputing the total value of these debts with **BANK** due to unlawful and unreasonable charges. As such, therefore, I consider this account to be in dispute and no further action or payment shall be made until this matter is resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."


This process may take some time, due to the Office of Fair Trading's test case, but I will try to expedite this issue as a matter of urgency.


I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.


I would appreciate your due diligence in this matter.


I look forward to hearing from you in writing.


Yours faithfully




Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)


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Thanks for the replies. I have been putting together a letter using bits mainly from GAC but will reassess it having toke a look at some of the ideas you have posted. When I have finished it I will post it and let you all have a look.

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Have a read at this. All comments corrections and improvements greatly appreciated


Dear Sir/Madam


You have contacted me regarding the account with the above reference number, which you claim is owed by myself.


I would point out that this alleged debt is disputed and Barclays bank have failed to provide any evidence the debt exists preferring to ignore the alleged debt since it became disputed.

For the avoidance of doubt I acknowledge no debt to your company or any of your associated companies nor do I acknowledge any debt to Barclays bank Plc


I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.


Furthermore ignoring and/or disregarding claims that debts is disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.


I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I also require a copy of complaints procedure from Barclays and Lowells.


I require written confirmation that this matter is now closed within 14 days. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

Further more if I have to write to your company again regarding this matter or to, Trading Standards, the OFT, my MP, or the Financial Ombudsman Service, I will impose a charge of £12 per letter to cover the cost of postage stationary and labour, a further charge will be levied to cover the cost of legal advise as and when required

I have also enclosed a Statutory notice under S10 Data Protection act 1998

If you are unsure of the implications of this letter or a Statutory notice under S10 Data Protection act 1998 I suggest you seek advise from fully qualified professional.


I look forward to your reply.


Yours faithfully

Mr Miniconverter

Enc: Statutory notice under S10 Data Protection act 1998


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Forgot to mention I had another letter at the weekend which says the following:


"In previous letters sent to you it was made clear that unless an acceptable offer of repayment was made we would take appropriate steps to recover the amount owing.

As you have failed to enter into a repayment plan we may instruct an agent in your area to visit your home to discuss repayment of your account. Unless you make contact with us in the next five days our agent may contact you with a view to arrange a visit Monday to Friday between the hours of 8.00am-9.00pm.

To prevent the above action taking place you MUST contact us URGENTLY so we can advise accordingly"

Now I'm really scared:lol:


Thought it would be more appropriate of them to actually find out if I owed the money or not before they start issuing treats.

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Today i have had a letter from a company called Tower investigations which reads as follows


Dear Mr Miniconverter,


We act on behalf of a client and would be obliged if you could telephone us on FREEPHONE 0800 977 8042 in order to assist us with our enquiry.


Yours sincerely


Tower Investigations Ltd


Unfortunately I don't believe in coincidences so I bet I know who there client is. Would appear they are now using misleading methods.


Has anybody had dealings with these and what do you know about them? Would be nice if we could prove there client is Lowell as I am sure this must be of interest to OFT?

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