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    • 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.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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Barclycard, Barclays joint bank, Barclays mortgage?


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It's 12+2 working days.

 

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  • 3 weeks later...

Hello all.

 

Okay, I opened a parachute account elsewhere a little while ago to carry on with everyday bills etc. Now my old Barclays bank account remains active purely because my mortgage is with Barclays. The bank account is in fact called a Mortgage Current Account. This account has what's called a reserve facility which is basically an overdrfat. It has to be a minium £100 and increases aoutomatically when you've paid some more off the mortgage.

 

The account at present is on zero with the £100 available. I pay the mortgage direct debit from my parachute account.

 

I went into my local Barclays recently to close the account down but was informed that as long as I have the mortgage with Barclays, the account can't be closed. I didn't realise the implications of this when I took the mortgage previously.

 

Now as I've CCAd,waited 12+2 days then sent Barclaycard in dispute letter is Barclaycard going to "off-set" using the £100 reserve and will they increase the reserve against my instructions so they can continue to "off-set" effectively paying the Barclaycard and putting me in more debt?

Edited by catuk
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Hi,

 

I have the same arrangement as you. I owe just over the £100 reserve on the mortgage current account and they keep adding about £1 a month as interest. However, I don't think they can add to it. FOS guidelines say they cannot put you into more debt by offsetting. I would think increasing your reserve specifically so they can take your money would not be allowed by FOS.

 

DD

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Hi Cat,

 

Perhaps you could use the Right of Appropriation to protect the money which you pay in for your mortgage, to stop BC taking it for any missed payments. See here - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/36790-bank-taking-your-benefits.html

 

The letter should be adapted to say the funds being paid in are specifically for the payment of your mortgage which is a priority payment that you must maintain.

 

You can also say that you're aware that the account has an overdraft facility and that they cannot alter this. However, would they please note that you do not intend to use it, nor do you authorise any amount to be paid which takes you into this o/d facility.

 

Are there any penalty charges on the BC a/c which you could reclaim to reduce the balance.

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Sorry, I didn't put that clearly. What I meant to say is that they can't increase the limit on the reserve overdraft just so they can offset, not that they can't add the odd bit of interest.

 

I still haven't got round to getting a parachute account. Must do it tomorrow as so far they have nicked money three times and I have had to threaten them with FOS every time to get it refunded.

 

Incidentally, for anyone reading this, they obviously try on the offsetting with everyone in the hope that you won't fight it. If you can genuinely say/prove that they money they have taken is stopping you paying your mortgage, council tax, utility bills, tv licence, etc., they have to give it back. FOS is very clear on this.

 

DD

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Also, Barclaycard will say that they can take money that is not showing as regular payments for mortgage, council tax, and so on, as direct debits, standing orders, etc. FOS has confirmed that there is no obligation for anyone to pay these by DD/SO. I don't pay anything by these methods as I don't know when my money will come in, and if funds aren't available on the date I would be charged for returned non-paid items - and therefore give more money to Barclays :(.

 

DD

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Thanks guys, thing is I dont put any money into the account whatsoever as all my bills/mortgage etc are now with another bank.

 

The account only exists as long as my mortgage is with Barclays.I pay the mortgage from my parachute account.

 

I was concerned that even though I've cancelled the DD for the Barclaycard, they may offset using the £100 reserve that is there and subsequently increase the reserve for future Barclaycard payments.

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Then my advice in post #30 stands.

 

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  • 5 weeks later...

Hello all, just had the first phonecall from BC.

 

An Indian sounding guy firstly gave his name and that he was from BC.

 

Next he asked if I was "my name". I said immediately I'm not willing to give you my name. He asked me for my DOB and I returned please give me your DOB,address etc and that I dont give my personal details to just anybody unless the person requesting my DOB etc gives me his/her's first.

 

This went back and forth until he thanked me and said goodbye. I didn't get a chance to tell him to correspond in writing.Then again I didn't give him the chance to confirm it was me either!

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  • 1 month later...

Hello everyone, since I sent my first request for the CCA and then subsequently the account in dispute letter and stopping payments, I've had numerous texts,phonecalls and standard letters telling me my account is behind etc. Today I received the first "scary" one from BCard threatening contact from Mercers. Any pointers on next course of action from you good people?

 

Thankyou.

 

Sent request for CCA

Received usual terms and conditions

Sent account in dispute letter

Received usual reply like everyone else

Stopped making payments

 

FirstletterthreateningcontactfromMe.jpg

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Mercers are actually Barclaycard people wearing their Mercers hats. As you progress up the chain they start calling themselves Calders too. It's all part of Barclaycard. If you ever get as far as Calders just say to whoever calls: "Didn't I speak to you before when you were calling from Mercers?" This really flummoxes them.:D

 

I've just noticed in your letter (and they may have been doing this for some time) the use of what I would not call 'business' English: 'We've withdrawn...' , 'We'll instruct.....'. Is this supposed to sound informal and friendly so we'll :) be happy to call them?

 

I know there is info on other threads about Barclays using Mercers to issue its default notices but I can't remember where it is.

 

DD

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Hi Cat,

 

As DD says, Mercers are just one of several of BC's in-house collection monkeys.

 

Mercers will write and may harass you on the phone with numerous calls daily. Keep a log of the time and date of each call.

 

Also, consider recording your incoming calls. This seems to be worth doing because you'll get evidence against them re harassment and the calls will drop in number when they find you're recording them.

 

See here - The Consumer Forums - Telephone Recorders reviews.

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Hi Cat,

 

The 1st letter is similar in some ways to our site CCA request but doesn't include the references to Statute law. It also suggests that failure to comply will, by default, erradicate the debt, which I don't think would stand up in court.

 

Could you please PM me saying where you found the templates. :)

Edited by slick132
typo

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I have had to unapprove the post with the Templates Cat. The link is ok but the letters look like they are copyright material.

 

Link is here:

 

http://www.getoutofdebtfree.org/

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Hello, just had the 1st letter from Mercers.

 

Do I now send them the doorstop template letter with copies of the CCA letter and dispute letter that I originally sent to BC?

 

Many thanks guys and ladies.

 

Mercers.jpg

 

BackofMercers1stlettertome.jpg

Edited by catuk
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Hi Cat,

 

Send the Bemused letter:-

 

Dear Sir or Madam,

ACCOUNT IN DISPUTE - Account number: XXXX XXXX XXXX XXXX

 

I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**. This obviously hasn’t happened.

 

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines have breached and I consider this account to be in SERIOUS DISPUTE.

 

As you are aware, while my Consumer Credit Act request remains in default, enforcement action is NOT permitted and, under s127, this constitutes a complete defence at law.

 

I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter and look forward to hearing from you in writing.

Yours faithfully,

 

:)

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Thanks so much slick,

 

One thing, I haven't sent a SAR request yet, should I be looking to do so or hold off until? I know that prior to starting the ball rolling so to speak I've had a few late payment etc charges applied to the CC account.

 

Big thankyou,cat

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SAR will be a good idea to start on reclaiming charges.

 

Consider claiming interest in Restitution at BC's contractual rate - this could put a big hole in the amount you owe on the account.

 

:)

Edited by slick132
typo

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Sending Mercers and Scotcall both the bemused letter;

 

I've looked through Barclays Contact Address thread but I'm still unsure of address to use for SAR request. Use the one on my Barclaycard statement or?

 

Thanks cat.

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Yup, that should be fine for the SAR.

 

It's only if you file against BC at court, that you have to use their full title and London address.

 

:)

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