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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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
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Paul v Barclays **WON**


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Just started the ball rolling with Barclays. I originally had put a complaint in against them regarding how they operated my account. I got a letter from from which was crap so i rang to speak to someone who said nothing could be done so go to the financial Ombusman, which i am doing. But whilst i was on i decided to ask for a statement of my charges, She initailly said they can only give me copy statements. I then mention the DPA and she suddenly remebered, funny eh?, She didnt ask for a payment for this and said she will sort this out, I mentioned that she had 40 days to do this. I also got a reference nu,ber form her for this as well. She also gave me a direct number to the complaints dept, bypasses all the dial 1 etc. The number is 0845 609 0806 if it helps anyone. Anyway I will keep th eforum updated on my progress.

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Make sure you follow the FAQ's otherwise your claim could be delayed. I would send a DPA SAR from the library, then you also get details like manual interventions on your account. They may try to use them in their defence so it helps get you forearmed. Also only deal with the bank in writing, you can use this in court rather than rely on memory or notes from a telephone conversation.

 

Also could you please stick to one thread, it helps us follow your progress and offer support and help.

 

Good luck

 

Steve

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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Hi!

 

Just wanted to say welcome and give quick reply to your post! :)

 

I have complaint/s with Barclays also....before I started to claim back charges etc.

 

They do tell you to get in touch with the financial ombudsman...but you have to be referred to the ombudsman by Barclays usually....and this is when all other ways of resolving your comlaint have failed.

 

The ombudsman will probably tell you that until all possible avenues are exhausted with Barclays, they cannot get involved!

 

I know this seems unfair, I am still dealing with Barclays over my issues that started in Feb this year! :mad:

 

Seems to be that Barclays use delaying tactics, so how long it takes to explore all these different avenues - I don't know! :???:

 

All the best with your claim and your complaint!

 

Keep us posted on any developments!!!

 

All information is greatly appreciated on here!!! :-D

BARCLAYS - £9,807.75

 

Data Protection Act SENT - 13TH JUNE 06

PRELIMINARY SENT - 13TH JUNE 06

LBA SENT - 4TH JULY 06

 

:o CLAIM FOR £9,707.75 FILED - 17TH JULY 06

 

:mad: CLAIM SERVED 1ST TIME - 20TH JULY 06

:mad: CLAIM SERVED 2ND TIME - 22ND JULY 06

:mad: CLAIM SERVED 3RD TIME - 2ND AUGUST 06

 

ACKNOWLEDGEMNET OF SERVICE - 14TH AUGUST 06

DEFENCE RECEIVED - 30TH AUGUST 06

ALLOCATION QUESTIONAIRE - 18TH SEPTEMBER 06

ALLOCATED TO FAST-TRACK - 28TH SEPTEMBER 06

STANDARD LIST OF DISCLOSURE

(BY LIST) AS ON COURT ORDER - 1ST NOVEMBER 06

 

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You don't need to involve the banking ombudsman to reclaim your charges. (however much the bank wants you to). If you read through the FAQ's it explains exactly what to do

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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Thx for that BlueSkies, I will also send a request in writing. I'm only using this thread for my claim. I was just saying how i got my initial DPA request, although I admit it was a bit long winded, sorry.

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hi people,just reading the threads and noticed the MANUAL INTERVENTION thing,could someone explain exactly what this means,is it when a so called account manager stops some charges or something?

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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hi people,just reading the threads and noticed the MANUAL INTERVENTION thing,could someone explain exactly what this means,is it when a so called account manager stops some charges or something?

 

A manual intervention is where a bank manager looks at your account, decides to/not to charge you a bank charge or makes some other alteration to it. This is vital in uncovering the actual cost to the bank of you exceeding your limit/bouncing a chque/dd.

 

Most banks are refusing to provide this information which means they would find it very hard to use the information in court. The banks don't want to confirm that the charges are automatic either.

  • Confused 1

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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Got Acknowledge of my DPA request for list of charges.

They sent the standard response - stating that they will send copies of statements FOC instead of a schedule of charges.

I wont post the letter details as I know its on a few other peoples threads.

The 40 day clock has started as of the 18th (Ends Sun 27nd August)

Is It 40 running days or Working Days Though?

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  • 2 weeks later...

Got a letter from 'Mandeep Panesar' @ Barclays saying that they have ordered a copy of my statements and they will be with me shortly.

Do i respond to this letter letting them know how long they have left to comply with my DPA request or do i just wait ntil the 40 day deadline?

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Got a letter from 'Mandeep Panesar' @ Barclays saying that they have ordered a copy of my statements and they will be with me shortly.

Do i respond to this letter letting them know how long they have left to comply with my Data Protection Act request or do i just wait ntil the 40 day deadline?

 

hi,i would be inclinded to just wait for the deadline,barclaycard seem to wait until the last minute on purpose,well thats what they've done with me and a few others.

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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i to am in the process of making a claim against barclays

they sent all my statements for six years free of charge i

have worked out to date they owe me £1420 +interest but

i am having trouble working out interest owed

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Unfortuantely my Barclays claim is on Hold until ive finished with Abbey

Due to lack of Funds, but ive only had my Barclays account for 3 years so im not losing the right to any charges, where as my Abbey is an old account.

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  • 4 weeks later...

Right Ive sent my prelim letter today for £1900

As this is my day to day account the charges continue to come, so, do i just keep increasing this claim till court?

Or do i now start a new list of charges recieved

Any Thoughts, I was going to just keep increasing it till it got to court papers

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hi people ,its been a while since i posted,very busy,

i have now received a letter from barclaycard offering me £430 ,considering my account is sitting at over £1000 all of it charges i'm refusing their offer,just going to file my claim, just a small worry though,i have looked at the library and cant find a moneyclaim form,anybody any ideas,cheers

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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  • 4 weeks later...

Recently Barclays have started to cancel my Direct Debits.

On one instance last month they cancelled my car payment (RFS) which lead to me recieving a charge fom the RFS (will be claiming back later), so i phoned them and paid the installment plus charge and set up the DD again.

Lo and behold Barclays have cancelled this one again.

Barlcays say that i cancelled the DD and not Them.

They have done this to my mortgage as well, and the Mortgage company (BOS) have said barclays have done this to a number of their customers and advised me to change account.

Does anyone know whether I claim against Barclays for at least the Charges i am recieving.

Should all this info be listed on my SAR details? i.e who cancelled the requests?

I have another account in the process of being set up, but Barclays just wind me up and make me look bad to my creditors.

I have spoke to the Financial Ombudsmens, but they seem to be Barclays best mate.

 

Any Thoughts?

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I have this problem with barclays as well. I got told by a member of Barclays that it is a new security thing they were doing and some payments that had been set up would be affected.

 

I was then told if I rang the telephone banking number, they could speak to me and authorise the payment. I was mad beyond words at this point.

 

The only way I have found to pay someone is to either go into my bank or try and get the online system to do it. But that does not always work.

Welcome car finance - Won 19/10/06

Barclays - Offered 48% said no

Next step - moneyclaim

Barclaycard - your next

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