Jump to content


  • Tweets

  • Posts

    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

I'm taking on Barclay's and need some help (**20/06/2009 - I won - they back off**)


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5451 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 ** 20/06/2009 - I won - they back down**

Barclays have used a few debt recovery agencies to get at me. Having followed a number of threads in here, I requested a true copy of a CCA compliant agreement. Westcotte replied saying they had sent the file back to client, and Regency openly admitted it was legally uneforceable but I was still liable. I was being very nice and continued paying until I got to the 40 + 12 + 2 days limit, but!!!! they called on Friday and DEMANDED that I up my payments to £20 a week, which I won't do - you shoudl have heard the woman shout at me, I found it amusing as I told her to read her own letter, which she claimed she couldn't do.

 

So, I'm going to fight back. Everyone else on here appears to be working on defended actions. I want to go the other way, and I want to take them to court for (a) a declaration of uneforceability (which they are) and (b) an injnction stopping them constantly harrassing me.

So, teh questions I need help with are:

1. Do I issue under CPR Part 8 or 7?

2. Suggested Particulars of claim

3. Any previously undertaken similar claim, because I can't find any.

 

Background.

I went to uni, but because I was desperately ill, I only got a 2:2, so I now can't get a job that pays more than £18K, so I don't have tonnes of extra money. I had to get a £3K overdraft while at uni, and a £3K credit card bill. I took out a £15K loan for my post grad qualifications. I then, because I'd been at uni for 7 years, took out a £3k loan, and two years later they persuaded me to up it again. Unfortunately, I suffer from bi-polar (I'ma lso dyslexic, so sorry if my spelling is crap), and sort of spent all of it! It's very embarassing, but they are the facts, and I'm best being truthful.

 

The credit card is defo not CCA compliant, as is the overdraft (and tehy charged me roughly £600 fees). The £15K loan is defo non-compliant (2004), though I'm not sure about the personal loan - the first part was in 2005, but the second part was in early 2007, and I'm not sure if it was before or after 1st April. I sort of had a breakdown at end of last year because I couldn't afford to eat because of what I was paying back, and Barclay's weren't being too helpful. I got the fees back on my credit card, so they dropped my credit, and I lost £600 on that:eek:! So, I decided to chuck it all and go back to uni, with the intention of bankruptcy. Then I made agreeemnts to start paying it back, and was doing (though Westcotte are the most useless cmpany, I offered, they just never wrote back). Then Regency became horrible, and I blew up last week when, despite me actually paying them, they started harrassing me.

So now I want to go for a declaration of uneforceability and get an injunction stopping the constant calls.

 

Any help would be very grateful.

Thanks:-?:grin:

Edited by Barclaysbunny
Editing title
Link to post
Share on other sites

Hence the reason the nightclub at our uni was called Tutu's (Desmond Tutu also teaches there haha)

 

Good luck BB, you have a good sense of humor and there will be lots of expert advice gained through a few hours reading on CAG. It is a wonderful place.

Link to post
Share on other sites

It's the start I need though. Part 8 claim or part 7. I'm frightened of starting it and ending up screwing myself by doing it wrong. The only claims against the banks I can find are for fees, and the rest, of this nature, are defenses, which worries me.

But, a good sense of humour and the knowledge that the worst thign that can happen is I lose and get costs of £10K against me and end up bankrupt (which I was going to do previous to this, so no loss in the over-all scheme of things). But there's so many people on here needing help, I almost feel guilty for asking for help because it's me starting the fight, whereas most people on here seem to be fighting to stay afloat through the banks getting at them!!

Link to post
Share on other sites

Dear BB

My suggestion would be to stop paying them and let them come after you, it is a lot easier that way since there is so much case law. I have not seen any threads where CAGers have instigated proceedings for lack of enforceable credit card agreements. At the end of the day the debt will still exist but it is unenforceable, even in a court of law (if the agreement is non compliant).

 

You should claim back all your charges although they will deduct this from the debt, you can send letter from CAG insisting that they don't call but my advice is to get a new number and stop paying them from now on.

Link to post
Share on other sites

  • 1 month later...

Thought I'd put up what's happening with me now, to see if anyone else is getting the same, and also to give heart to those that are just starting the CCA request journey.

I got a letter from Westcot last year. It was in relation to an alleged Barclay's debt. I had not been on here then, so wrote a load of useless letters that resulted in abusive letters from them. I found this place (Yippeeee!!!) and requested a CCA compliant agreement, and gave them a £1 postal order for it. One week later, they returned it, saying that they had returned instructions to their client, and I should contact them (Barclays). One of them gone.

Regal were a bit different, and I've written about that elsewhere - they claim a debt, cannot evidence it, let alone provide a CCA compliant agreement. So, I demanded a debt from them that was as equally made up as theirs. They haven't gone away, but they won't even send letters now.

Then on Monday I got a letter from ScotCall demanding another Barclays debt (I think it's the one Westcot had) so I sent them a CCA request on Tuesday (3rd) with a £1 PO, and it was waiting for me in the post-box today, saying that they are no longer dealing with it "it was returned to our client on 01/01/0001":eek:.

 

Quite why they are sending them back as returned to client so quickly I am not sure, but it obviously does mean that they are now taking CCA demands very seriously. So, if you're on here frightened, look up the library letters, send a demand for a Consumer Credit Act compliant agreement together with a £1 postal order. It seems to be working.:D

 

I do have another one which arrived a couple of weeks ago for a Barclaycard debt (again, not one of mine). I'm playing with them though, trying to waste their costs a lot :)

Link to post
Share on other sites

Just a quick point, if you have previously sent a CCA request you don't need to send another one for the same account. You just have to inform the DCA that your original request is still outstanding.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 4 months later...

Last year I started getting the usual threat letter over a Barclaycard, an overdraft and two loans.

 

I sent the usual CCA letter with the £1 postal order, and a day or two later received a letter would appear saying they had sent the file back to their client. Eventually after a lot of these I sent a letter to Barclay's direct asking them to go away or sue me. I sent that in December. They sent letters every month saying they were looking into it.

 

A short time ago I received a letter from them apologising but they could not find any loan in my name, would I care to write back with details of the dates of the loans and the account & sort codes for them?

 

So, for all of you who are starting out, you can honestly get rid of them. Follow what people in here say, because they certainly helped me. Should any other demonic company now threaten me, I'll just send them a copy of Barclay's letter. Just be strong, there is a light at the end of the tunnel. :-D

 

BB

Link to post
Share on other sites

Good stuff, Barclaysbunny :)

 

I've merged your other Barclays Threads.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Nice one.

Could you please post links to your other threads, would really like to read.

 

Scott has kindly done that for me.

 

Important thing to remember is that all of the letters you need to send are in the library on here.

 

Send them an unsigned letter demanding a a CCA compliant and enforceable agreement together with a £1 postal order. They'll send back either a letter saying they've sent it back to client, or an agreement form or an agreement that is a) false or b) unreadable o c) unenforceable.

 

Remind them they have 12 days to comply (though they can have 12 + 40). Then remind them that the debt is unenforceable. If they are stupid enough to send it to Court, get in touch.

 

Good luck. Keep a copy of all letters etc.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...