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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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Lowell Portfolio (Barclays) have issued a County Court Claim....help!


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Hello everyone,

 

I really need some advice....

 

I defaulted on my Barclays current account (£2518 owed) after losing my job (i almost lost my home but managed to sort the repossesion order out...phew!) this was last year just before the OFT case went to court. I wrote to Barclays about my bank charges which were just over £2600, after a couple of letters to and fro they offered me £2000 as a goodwill gesture but would have to settle the remaining £518, i declined this, i never heard anything else from them until a delightful letter came from Robinson Way & Co demanding the full amount. I contacted them and told them the account was in dispute, was called a liar etc etc demanding £150 a month - i hung up and told them where to stick it !

 

I emailed Barclays (Thomas Hickley) asking why they had given my information to this DCA and requested they recalled my account as it was in dispute- i never got a reply. I then recieved letter from Barclays saying my debt has been sold to Lowells, next day a letter from Lowells, then another 4 or five over the next few months.

 

I really should have contacted them but i have been ill for the past few months and it has taken a back seat. Now i have got home from work and found a County Court Claim issued against me for the £2518 plus costs - the claimant is Lowells Portfolio 1

 

I am panicking now as i have managed to clear all of my other debts since losing my job and now i face a CCJ even though it is entirely a result of charges.

 

Im really worried about what i should do, can anyone tell me if Barclays are legally able to sell a debt that is 'in dispute' ?

 

Im considering asking my mortgage company for an advance so i wont have a CCJ on my credit file.

 

Any help is greatly appreciated

 

Classylady18 x

 

P.s - i thought i should mention that Lowells have searched my credit file without my consent - is this legal? There is an entry shown on my Experian report by Lowell as an unrecorded enquiry

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Hi ClassyLady and welcome to Barclays forum.

 

Did you get as far as Filing your claim against Barclays at court and has your claim been Stayed. Or please confirm where your claim stands at the mo.

 

You can fully defend this claim on the basis of the bank's charges to your a/c and we'll help you do this.

 

And you WON'T need to get a loan to avoid any CCJ. :)

 

Please confirm the date by which you must acknowledge the claim.

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Hi

 

Thank you for your reply, in answer to your questions....

 

I did not get to the stage of filing my claim in court. The last thing that happened was a letter from Barclays ladst year offering me £2000 as a 'goodwill gesture' which i declined, i heard nothing else form them after this.

 

I have 14 days from 26th July to return the court papers, i think i get an extra 14 days to prepare my defence but im not 100% sure.

 

I really don't want to get a loan to pay this off but im worried that i wont win in court and end up paying a fortune in court costs.

 

What do you suggest i do next?

 

Thank you for your help

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Please confirm this is a personal and not a business a/c.

 

Ideally, you should have taken court action against the bank after you refused their offer. Instead, the bank have taken the initiative and taken you to court. No matter, this will be defended by you successfully.

 

Let me re-itterate, you do not need to consider taking out any loan - the o/draft is covered more or less by the unlawful charges on the a/c.

 

You need to update your SOC (schedule of charges) to include all charges to date.

 

Is the o/d made up partly or wholly of bank charges and are they still adding chgs and/or interest.

 

Have you been defaulted on this a/c since you sent the bank your Prelim Letter - if so, please confirm the relevant dates.

 

I'll come back about exactly how to d/w the court claim

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Hi Slick,

 

Yes this was a personal current account.

 

I realise now that i should have issued a claim against them last year but i was facing repossesion and could not afford to pay the fee. (big regret!)

 

Would my schedule of charges still be the same as last year, as the bank account was closed by Barclays before i began the reclaiming process?

 

My o/draft on the account was £900 and the rest was made up of bank charges. They are not adding any other charges or interest.

 

I believe the default was issued by Barclays before i started reclaiming the bank charges.

 

I hope i have answered everything okay :confused:

 

Thanks for your help, im feeling a little more positive now!

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Hi CL,

 

Good - you SHOULD be feeling positive about this.

 

If you used a Site spreadsheet, when you open it now it will give you up-to-date s.69 interest figures, so your overall claim will have increased.

 

Alternatively, as the o/d was made up mainly of charges, have a look at the Advanced spready here - http://www.consumeractiongroup.co.uk/Spreadsheets/England/Complex-bank-charges-calc.xls. This will enable you to claim interest on the charges on a more advantageous basis. See what you think and fill it out to compare the figures with your first spready.

 

I'll come back about your defence.

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Hi CL,

 

Have you rec'd a Notice of Assignment.

 

Do you know if the debt has been sold or has the Claim been made on behalf of Barclays.

 

Please confirm the exact wording of the Particulars of Claim.

 

Was the Claim issued through MCOL, Northampton.

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Hello Slick,

 

I recieved a Notice of Assignment from Barclays i think early february, the date it was assigned was on 30-01-08 (my birthday :-()

 

As far as i can see tell the debt has been sold, the Claimant is showing as Lowells not Barclays.

 

I do not have the paperwork with me at the moment as I am at work, so i

i will let you know the exact wording once i get home.

 

The claim was issued by Northamton County Court.

 

I hope this helps :-)

 

Thanks

 

Classylady18 x

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Hi CL,

 

There's plenty of time to d/w the AOS so no rush nec'y. Take your time and we'll get it right. :)

 

Come back re the POC please.

 

BunchofBankers - If you've been charged by your bank for going o/d, you can set about claiming it back. Please start a thread for your own case in the appropriate forum.

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Hi Slick,

 

Right i've got some information now.

 

The Notice of Assignment is on Barclays letterheaded paper and reads;

 

We here by give you notice of the assignment of the debt due to us from you in respect of the balcnce of £2581.86 outstanding on your Barclays Bak Plc account.

 

On 30/01/2008 your account was sold to Lowell Portfolio 1 ltd.

 

Any further communictaions and payments must therefore be addressed to Lowell Portfolio 1 Ltd.

 

Then it gives their address as Enterprise House etc.The letter is date 13/02/08.

I also had a letter from Lowell Portfolio1 on same date 13/02/08 saying that the account had been sold to them and Lowell Financial Ltd have been appointed as duly authorised collection agents etc etc.

 

On the bottom of the letter it says all communcations and payments must now be addressed to Lowell Financial, PO Box 172 Leeds is given as the address.

 

Which letter am i ment to believe ?!?! :confused:

 

Particulars of Claim says the following, word for word...

 

The Defendant entered into an agreement with the Assignor, regulated by the Consumer Credit Act 1974. The Defendant failed to comply with the terms and the agreement was terminated in accordance with the statutory notice of default.

The benefits of the agreement were assigned to the Claimant. Debt assigned on 30/01/08 by Barclays Bank Plc.

 

and the Claimant claims;

 

1. £2518.86

2. Statutory interest pursuant to Section 69 of the County Courts Act (1984) this is at a rate of 8.000% per annum from the 31/08/08 - 18/07/08

£0.00 and thereafter at a daily rate of £0.00 to date of judgement or sooner payment.

 

Agreement 846008400171; 30/01/08

 

Ref: 846008400171

 

Interestingly i have just noticed that the Claimant shown at the top left of the Claim Form says Lowell Portfolio 1 Ltd, but at the bottom of the page where the Claimant must sign, it is signed as Lowell Financial as the Claimant and not Lowell Portfolio 1 Ltd. This seems wrong to me??? :confused:

 

I hope i havent waffled too much, but my head is buzzin around with all this information!

 

Thanks for all your help everyone, couldnt do this without u! :D

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Hi CL,

 

Thanks for that.

 

You should acknowledge the claim within 14 days of the date of service. You will say you intend to all of the claim. You will also make a counterclaim against Barclays for the amount of charges which you are reclaiming.

 

I wouldn't worry too much about Lowell's names - you'll win this regardless. ;)

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Thanks Slick.

 

I will get the the AOS done tonight.

I am abit unsure of what i write, can you give me any pointers?

 

Also how do i make a counterclaim against Barclays? Would this be on the same form or would it be a separate claim?

 

Thanks

CL

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The AOS is going off in the post today :)

 

One question... how do i counterclaim against barclays? Would i put this on the same defence form as the Lowell Portfolio one or would it be a separate claim? Im abit confused :confused:

 

Thanks

CL

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Thanks Noomill, I just wanted to get it clear in my mind.

 

I assume that i will have to pay a court fee for the counterclaim, do you know where i would be able to find out how much i am likely to have to pay upfront? I am going to have to try and budget for this, I have a feeling its going to be over £100 which is alot for me to find out of my wages.

 

Classylady18 :wink:

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If the counterclaim is between £1500 and £3000, the fee is £80.

 

However, if you claim Contractual Interest on the charges and not just s.69 Statutory Interest, your c/claim may well exceed £3K and the fee would then be £100.

 

Noomill's more knowledgeable about Contractual Int't and may help you decide if you can/should claim it.

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