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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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DDWales vs Barclaycard***WON***


DDWales
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Hi all. Id just like to thank all of you on here for your fantastic advice.:) After reading all of the forums and stickies i sent off for the SAR to Barclaycard two weeks ago and recieved the documents back yesterday. I am now in the process of adding all the charges up and making the next step. Will keep you all informed. I think this will be the first of many.......:-D

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Hi DD,

 

Keep us informed and shout if you need any help or advice.:)

We could do with some help from you

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  • 3 weeks later...

Just to update. Sorry i havent updated for a while....work!!! :evil: All charges added up (with and without interest). I am about to send the template letter. Just one question. Having read the threads should i ask for the charges with interest or not? It seems that those who do go through a long drawn out process as apparently Barclaycard will fight all the way. Im happy to settle for the lesser amount (without interest) but would obviously prefer with interest:) Any ideas will be appreciated!

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Hi DD,

 

If you seek repayment of just the charges, BC will usually add on a token flat 8% bonus on top. They'll normally repay without you having to File a claim at court. Use this letter for your Prelim and LBA - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

 

If they miss your deadline to repay or reply, you can File at court and claim the s.69 8% Statutory Interest on top. This will be higher than a flat 8% as it relates back to the date of each charge. The s.69 int't is calculated on the Site spreadsheets but you shouldn't include this on your Prelim Letter or LBA.

 

There's no easy way to claim the higher rates of interest. BC will refuse to pay and you'll have to File at court, pay the AQ and Hearing Fees and prepare Court Bundles. BC will only negotiate just before a final Hearing date.

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Thanks Slick. Im going to send the prelim letter today. I dont think il bother with the interest if BC draw things out. The figure without interest will virtually wipe the outstanding amount anyway (especially with the 8% bonus you mention :)).

One final thing though, what is the correct address to send it to? I get confused by all the different ones on here..sorry! And also shall i send it by recorded delivery? Thanks for your help...its been a long day......:D

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Use the address on your statement for starters and then use the address from which they reply if different.

 

If you come to file a court claim against them, then you must use their full trading name and the Churchill Place, London address.

 

:)

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  • 4 weeks later...

Just to update. Had a reply from Bcard. Im unable to scan at present but the gist of the letter stated the usual-'as an act of good will' and 'we disagree but....' Anyhow i did not decide to charge interest-was happy with the basic amount as this would basically wipe out what was left. The letter also stated that they would pay £16. I thought that this meant £16 out of the original £20 charges-they added up to around £100 so i thought ok. Read my statements today and theyve simply given me £16!!!! The cheek. Theres nearly £300 in charges!!! Not happy!!! :-x They obviously think that they can fob me off but this is not going to happen!! What do you think is the next appropriate action to take?

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Hi DDW,

 

Send the appropriate Rejection Letter - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Send a separate LBA giving them a final 14 days before you file a claim at your local court.

 

Send the 2 letters off together.

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  • 4 months later...

Just to update LBA and rejection letter sent with schedule of charges etc. Its taken a bit longer than expected but better late than never!

Barclays have until the 24th of July to sort things out. Will keep you updated

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Good.

 

If they are late replying, take the opportunity to File your claim quickly and you'll get the 8% s.69 Statutory Int't on top.

 

This will be a nice bonus, especially if you have charges going back several years. :)

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Good.

 

If they are late replying, take the opportunity to File your claim quickly and you'll get the 8% s.69 Statutory Int't on top.

 

This will be a nice bonus, especially if you have charges going back several years. :)

 

Thats great will do. The charges go back to 2003/04 so that would be very welcome :)

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An update! Sent off the LBA on the 10th of July. Had a reply today (letter dated 16th). All charges refunded in full with £55.22 interest on top being credited to my account. :):D This wipes out the amount left in the account which was entirely made up of all charges so very happy!! Thanks for all advice given. Donation to CAG coming shortly :D

 

Mods please move to 'Successes'!!! :smile:

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Hi DDW and congratulations on your WIN. :D

 

Thread title changed to **WON**

 

Thanks for the donation you're going to make. :)

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                                            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 !:-)

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