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    • That I get, but still confused about some of the advice above. On the one hand, I'm told that IGNORE IGNORE IGNORE no longer applies (in most cases?). And on the other, I'm advised that I might have shot myself in the foot by filling in their appeal form. Both cannot be correct.
    • Hi, hope that you can help with the PCN detailed below, unfortunately I have entered into correspondence (appeal) and identified the driver, hope that this doesn't have too much of an impact! On 26/05/2024 the driver entered the ANPR controlled car park to park but was unable to find suitable parking due to the car park being very busy. This took 11 minutes according to Wise ANPR details, this was due to other vehicles looking for parking and impeding the driver's progress. This has been appealed to both Wise Parking and IAS and the appeal has been rejected by both; unfortunately, the driver has been identified on the appeal. Note: the appeal response from Wise was not received until 04/07/2024, wise state (after me chasing) that it was sent by email on 17/05/2024 but this was not received and not in junk mail. I have completed the form below and attached correspondence (post and email) as a single pdf Please let me know if you need anything else.   1 Date of the infringement 26/05/2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29/05/2024   3 Date received Around 04/06/2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] Y Unable to find /access details of my appeal to Wise, however I will have revealed the identity of the driver My appeal to IAS: You completed the appeal on 06/07/2024 23:38:42. The car was not parked on this land. The reason for this was that there were no available parking spaces. I drove the car around the car park a few times searching for a space but was unable to obtain a space due to it being busy. I then left the car park without parking, I therefor did not make use of their facility or have the opportunity to check their terms and conditions as I did not leave the car. The appellant made their response on 08/07/2024 09:52:52. As I did not park due to lack of opportunity a "parking" charge is not appropriate. As can be seen from the ticket, I was only onsite for a few minutes which backs up my assertion that I did not park. No evidence has been provided that I did park, only that I entered and left 11 minutes later.   Have you had a response? [Y/N?] post it up Y   7 Who is the parking company? Wise Parking   8. Where exactly [carpark name and town] Chapel Point, Chapel St Leonards   For either option, does it say which appeals body they operate under. IAS   If you have received any other correspondence, please mention it here I have received a response from both Wise and IAS rejecting my appeal     Wise Parking PCN - 26-05-2024.pdf
    • You mean the mediation Service. It's not from the court  Offering a date and time?  Dx   
    • Equivo are applying for an interim charging order although I know why they want to do this, I find it to be very unjust and needless in my point of view! and don't know why there is a continuing need to harrass me with a Charging Order. No payments have been missed since the order was made and a total of £360 paid to date The debt amount has not been reduced as they keep adding interest, the original debt was £1500 it now stands at £1700 The judgement didn't order a payment plan but we have agreed to one and for three years they have accepted my payment...not sure if that relevant? Also I live with my partner and they have sent her the same as she has a 50% claim to the property how can I stop this? many thanks Webbs   Interim Charging Order Creation Finance Old Flybe Card.pdf
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    • 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.

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      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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Goldfish/barclaycard/calder/apex No Cca

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I would very much appreciate any advise and guides on this matter.

My original Goldfish card was on reduced repayments then in November 2008 I received a letter form Barclaycard stating they had taken over the account after financial problems I found this site I have used the various templates and information to get as much information on my account as possible.

I have during all communication with the various companies maintained token payments to them. I was prior to my semi retirement self employed and have been since taking out the card some 10 years ago paid PPI upto about 7 years ago.

I requested a copy of my credit agreement from GOLDFISH on 30th September, 2008

I received a letter from GOLDFISH with basically A poorly photocopied unsigned Credit Agreement that contained nothing near the correct prescribed terms along with an card outer they send along with a Credit Card and An Account Information Sheet signed by a team leader.

Barclays then notified me in November the very day I received the items from GOLDFISH stating they had taken over the running of the account which was in arrears so pay up....

I sent a letter back stating that GOLDFISH were in default for not producing a credit agreement and to avoid any doubt if you are the new owners of the account I would like my Credit Agreement from them.

They failed to respond and on 12th December I received a letter from their in house collection agents CAULDERS which basically said pay up or else.

I then sent a Subject Access Request to Barclays Head office on 22nd December, 2008 asking for basically everything not limiting to 6 years and including the request for my Credit Agreement.

During late December early January the calls were coming in thick and fast from CAULDERS demanding this demanding that and enough was enough so I sent them the telephone harrassment letter and surprise, surprise the calls did stop!!!

I received a letter dated 16th January 2009 from CAULDERS/BARCLAYS stating that they intended to sell the debt which I replied with a reminder that the account was subject to a SAR which to date they had not replied.

I then received a letter dated 18th January, 2009 that basically said they were sorry with what had happend and would get back to me by 10th February, 2009 when they had fully investigated my compalint and request.

I then received a package from BARCLAYS dated 19th January which basically contained 6 years statements and the covering letter stated this is ALL the data they held.

I then again received a letter from BARCLAYS dated 10th February, 2009 AGAIN saying they were still investigating my complaint/request and would contact me by 10th March 2009

Once again I received a letter dated 18th March, 2009 again they were still investigating my request/complaint and would contact me by 20th April, 2009

On 21st April, 2009 I received the following letter dated 1st April, 2009 which read word for word as follows;

Barclaycard A/c: xxxx xxxx xxxx xxxx

Firstly please accept my apologies for the delay in response and for all the inconvenience this may have caused.

I write further to your letter requesting information on your account in respect of section 78 ofthe Consumer Credit Act 1974.

As your account is now in a recovery programme/and or sold, further information relating to the current state of your account can be obtained directly from your Recovery Team or Debt Management Agency.

The information we must provide to you under the terms of Section 78 is prescribed by the Consumer Credit Act 1974 and by the Consumer Credit [Cancellation Notices and Copies of Documents] REGULATIONS 1983

This completes our obligation to you under section 78 of the Consumer Credit Act 1974

Yours sincerely

L----e C-----r

Court Orders and Disclosures

Legal and Regulatory Compliance.

What are they talking about! After months of fobbing me off and me thinking they were looking into getting my original agreement they are basically stating that even though they have not sent a single item that represents an agreement and only 6 years of statements that is it! It seems to me that they have just played for time until they have sold the account on and can walk away without question leaving me back at square one.

Today I have received a letter from APEX which includes A second letter from Barclaycard which basically states that they have now bought the debt but wait for it not from Barclays but MBNA (which I am sure is a typing error) AND I MUST telephone them to make an arragement to pay them - I have absolutely no intention of contacting them via telephone. The account number has changed and the enclosed letter from BARCLAYS basically states that this is my notification from them that they have assigned all the rights to APEX.

But what rights when they could not produce valid documents in the first instance. I am really stumped as to what to do next. Do I write to APEX asking for my agreement or do I write to Barclays... I would really appreciate any help with this.

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Send the following letter to Apex -







Your Reference:

Client reference:



Dear Sir or Madam,


I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***Bank*** 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



As *** Bank*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, 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; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.


Now I would respectfully suggest that this account is returned to *** Bank*** for resolution of these defaults and breaches, as *** Original Creditor *** cannot lawfully pursue any enforcement activities.


If *** Bank ***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.



Yours faithfully



Print name do not sign






Amend to suit, send by Recorded Delivery.

Edited by supasnooper


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Hi Hulmec,


Have you been through the a/c statements to see if you've been charged any penalties on the a/c in the past 6 years.


These can be reclaimed to reduce the overall debt owed.

We could do with some help from you

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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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Hi Slick132,



I had not thought of going through the statements sent I have been a little pre occupied and more focused on getting my correct CCA and Data Protection Info along with which way to turn as they just do not seem to be bothered at any of my requests it is as though they are above the law, they can demand and hassle me pass my account from one company to the next but when I request information they are just totally ignorant and non forthcoming... I must take a step back and start thinking outside the box more.... I really appreciate your advice and I am going to make that one my to do tasks...Thankyou

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Good, and keep looking at this from all angles.


You won't get a credit agreement from BC with a CCA request, so read up on using the CPR strategy at Link No2 in my signature below.


They'll ignore you as much as poss and stick to their own agenda, ie harass and get payment.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING



                                            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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