Jump to content


  • Tweets

  • Posts

    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  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; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

re: barclaycard goodwill gesture


antz99
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5641 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys,

 

Just joined today and using the website to the full effect lol..

 

I contacted Barclaycard about MY PPI payments about a week ago, as I had been paying it for a few yrs and never really challenged it .. stupid I know

 

Gt my card about 4 yrs ago and only had a 300 limit but had PPi dont remember ever even having it or signing for it..I gt 2 letters this morning

 

letter 1: was about the PPI stating that I must of known it was there and have never challenged it and that they will have the original document within 4 weeks to show me and that I could not claim my PPI back

 

letter 2: I only briefly mentioned high charges in the letter for late payments and going over limit... the letter offered me the difference back and amounting to £230 and saying it will show in my next statement

 

My question is can I serve the rejection letter even though I have nt any info on actual charges or have sent any of the beginning letters which state the amount sought and the deadline. Can I just write a letter back asking for the whole amount with reference to her letter, as waiting for statements will push me back and the money will be in my account..

 

Can one have the missed payments put on experian taken off .. I only ask as people have mentioned this on threads that I have come across

 

thanks

 

Ant

Link to post
Share on other sites

  • Replies 102
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Antz and welcome to the BC forum.

 

PPI Wait to see what they come back with about this.

 

Charges If you don't have the a/c statements, you need to get these from BC by sending an SAR with the £10 fee. Send it to BC by Rec'd Del'y.

 

Also send a separate letter rejecting their offer to refund £xxx.xx saying it is not acceptable and they can take any refund back if they wish. If they leave the refund in your a/c, you can deduct this amount from the final settlement figure you reach with BC.

 

If you haven't yet done so, read the Reclaiming Guide in Link No1 in my signature below.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

thanks for your advice ..

 

I will wait on the PPI

 

I will send a letter stating that I do not accept the offer .... do I just look for the SAR on this website ... whats the best address to send my SAR too?

 

Do you have any advice on a case I heard of when a credit card company had charged a customer £400 in late fees and over agreed limits .. but he agreed to have the late marks on his account on experian taken off in exchange for the CC company not paying the payments back

 

thanks ANTZ

Link to post
Share on other sites

Hi Antz,

 

Read the Link No1 as stated and you'll find SAR letter along with lots more.

 

Send the SAR to:-

 

Barclays Data Protection

Radbroke Hall

Knutsford

Cheshire

WA16 9EU

 

Re. the case you heard of, if you have suffered penalty charges on the a/c, you are entitled to have them repaid along with any interest you have been charges on those penalties. I'm not aware of any trade-off to get defaults removed by NOT reclaiming penalty charges.

 

If you have defaults against you for this a/c, there may be ways to get them removed. See here - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

You will learn much by reading other members' threads in the appropriate forums. You'll then be in a better position to decide how to deal with your own circumstances.

  • Haha 1

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks slick

 

I know I thought It sounded a bit strange ..... I dont have any defaults .. just some missed payments oooppsss but obv these can not be overturned although the PPI did make my minimum payments much higher than they should of been.

 

I will send the letter to reject their offer of partial payment by saying what you said...

 

Is it always important to tackle the two areas in seperate letters e.g PPI and late payment charges

 

thanks again

Link to post
Share on other sites

Hi Antz,

.. just some missed payments oooppsss but obv these can not be overturned
Sorry, don't quite follow here. If you suffered any penalty chgs on the a/c, you can reclaim them, hence the SAR.

 

I would do separate letters regarding PPI and penalty chgs - if you issue court action, you can then have the relevant letters ready to produce in court. You can put the letters in the same envelope to save on postage.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

"Also send a separate letter rejecting their offer to refund £xxx.xx saying it is not acceptable and they can take any refund back if they wish. If they leave the refund in your a/c, you can deduct this amount from the final settlement figure you reach with BC".

 

Is there a template for rejecting the first offer .....and explaining what you said slick

Link to post
Share on other sites

Select the most appropriate letter from here and adapt to reflect your case - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Just a thought about the defaults which you say cannot be removed. You could send them a CCA request to see if they have the original Agreement setting out everything properly.

 

If they don't, you could get the defaults removed on that basis. It'll cost you £1.00 which you send with Letter N from here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks got the template as they have transfered the money into my account

My case is slightly different as I have been offered the difference between the £20 and £12 and obv I am going to write back rejecting this.

 

However where my case differs is the original letter I sent to barclaycard was for the PPI and I mentioned the charges .. so I did not sent a standard letter so I have never given them time frames as the letter was nt a template asking for the charges back

 

HOW can I change the rejection letter for someone who has not sent one of the first requests for charges , and also as I have yet to receive my statements back can I just say I WANT ALL CHARGES BACK

 

I HAVE TO OBV SEND SOMETHING BACK TO REFUSE THIS FIRST OFFER THEY HAVE SENT ME

 

THANKS

Link to post
Share on other sites

Ltr to BC.

 

Dear Sir or Madam,

Account No xxxx xxxx xxxx xxxx

I refer to your letter of xxdate which offered to refund £xxx to my a/c. I reject this offer as it does not reflect the full amount of penalty charges made to my account.

If you have credited this refund to my account already, I hereby authorise you to remove it if you wish. In the alternative, it can be taken into account when we negotiate on a settlement figure for the refund of my charges.

I am awaiting my account statements from BC to quantify the total charges I will reclaim and will be in touch further accordingly.

Yours faithfully,

Get your SAR sent off with the fee. Once you get the statements, quantify your claim by filling in the spreadsheet (SOC) and THEN you will send your Prelim Letter to BC.

 

Then it will all run smoothly. :cool:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Just to inform you all that I have received a letter from Barclaycard offering me the full amount back including interest. I am delighted and will be donating my 5% to this very helpful website thanks to all that have offered me advice especially slick132.

 

I would like to know peoples opinions If I can do anything regarding the late payment markers that were placed on my credit file in relation to a late payment fee which resulted in me missing a few later payments as I was unable to cover the cost of the charge which was actually double my actual monthly payment which resulted in the situation spiralling and always chasing my tail and resulting in a few missed payments although I have now received this money back. (I was a student at the time).

 

Any advice.

Link to post
Share on other sites

Hi Antz,

 

Excellent news and CONGRATULATIONS !!

 

Re the Default/Late Pay't Markers on you records, send off the CCA request that I linked in post #9 above.

 

If they don't have the proper CCA document showing all that is required, you can demand that they remove any data about you regarding this a/c.

 

Other opinions welcome, of course.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Antz,

 

Re your PM, send the CCA request and £1.00 fee to :-

 

BARCLACARD.

PO Box 5592.

NORTHAMPTON.

NN14 1ZY

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks for that, which the Site and users will benefit from. :)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...

sent my CCA request last Monday (Recorded) the post office have not updated me if It has been received or not its been a week so maybe it has got lost.

 

Is it advisable to send another CCA request this time special delivery and give them the time frame to reply again.

 

thanks

Link to post
Share on other sites

It's unlikely to have been "lost" but you should chase this up with the PO.

 

Quickest solution if the letter is not signed for in the next day or two - send a new CCA letter and fee.

 

Get a Certificate of Posting (free) at the PO when you post it.;)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

I have decided to send CCA again with my £1 PO...

 

gonna send it to the Northampton address

 

who should I address it too, any departments or names anyone know of for a CCA

Link to post
Share on other sites

Hi Antz,

 

BARCLACARD

PO Box 5592

NORTHAMPTON

NN14 1ZY :)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Antz,

 

Just send CCA request and fee off to the address I gave - it'll work. ;)

 

The OFT test case has no bearing whatsoever on credit card charges.

 

To save on postage, just get a (free) Certificate of Posting when you send off the letter at your post office.

 

Let us know what reply you receive.

 

Have BC credited the refund to your a/c yet ?

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 3 weeks later...

Hi all

 

coming to the end of the 12 working days (tomorow is the final day) I have given BC to produce what I have asked for after sending them my CCA request. It Looks like they have decided not to play ball they obv think I will just forget hmmmm :p

 

next stage.................................

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...