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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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Reserve fees - Original letter


mk1979
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Hi all,

 

My situation is slightly different to the others that I have read....

 

Last May I separated from the Mrs. I telephoned Barclays to request that they did not send any statements etc to my old address but I was informed that there was no way to 'Block' the sending of correspondence. I was told that my address could be transferred once I visited the branch with proof of my new address. I spent four months living with friends who ran a pub at the time, so I was unable to produce a utility bill in my name or proof of my address because it was only temporary.

 

In the meantime the whole reserve thing came to light. I moved into a new place on September 1st and duly provided Barclays with my new details. Ever since I have been getting the dreaded £22 letter every 5 working days. My argument would be that I was not able to opt out of the 'Scheme' because I was not informed of it's existence.

 

How should I approach this with them? Obviously the fees have snowballed into a sizeable amount - I note that a relationship breakdown can be considered for charges before this reserve issue came around so should I look to include that as back-up?

 

Advice welcomed please guys.

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Hi MK and welcome to CAG.

 

I think arguing with Barclays about this may be an uphill struggle.

 

Even if you Opted Out of their new Reserve Fee structure, I assume you would have incurred bank charges under the old regime when the a/c became "out of order".

 

I think you'd stand a better chance of arguing against the Reserve Fees on the basis of their unlawfulness.

 

Read this thread for starters - http://www.consumeractiongroup.co.uk/forum/barclays-bank/181529-right-war-bookie-barclays.html

 

Prepare a SOC (Schedule of Charges) from your statements including all charges from the last 6 years. Enter them on a Site spreadsheet and send a Prelim reclaim letter to B's.

 

When B's refuse to repay, you'll send them an LBA. You could then complain to the FOS as per Bookie's thread.

 

Read the Reclaiming Guide in Link No1 in my signature below.

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Hi MK and welcome to CAG.

 

I think arguing with Barclays about this may be an uphill struggle.

 

Even if you Opted Out of their new Reserve Fee structure, I assume you would have incurred bank charges under the old regime when the a/c became "out of order".

 

I think you'd stand a better chance of arguing against the Reserve Fees on the basis of their unlawfulness.

 

Read this thread for starters - http://www.consumeractiongroup.co.uk/forum/barclays-bank/181529-right-war-bookie-barclays.html

 

Prepare a SOC (Schedule of Charges) from your statements including all charges from the last 6 years. Enter them on a Site spreadsheet and send a Prelim reclaim letter to B's.

 

When B's refuse to repay, you'll send them an LBA. You could then complain to the FOS as per Bookie's thread.

 

Read the Reclaiming Guide in Link No1 in my signature below.

 

Thanks for the advice Slick. I imagined that there would be an easier way than wading in threatening court action etc. I cannot risk that route with the chance that they cut the reserve or worse cancel my OD facility as I have no means of making settlement. I am in the reserve month in, month out and by August that will have been a year of paying £22 every 5 working days.

I am also looking to reclaim PPI insurance on a loan so I may explore that avenue first. I am over the preverbial barrel with my bank account though by the sound of it.

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You don't HAVE to threaten court action initially. You can ask the bank to refund some or all of the charges.

 

However, you say you need to keep the O/D - they're likely to remove this if you try and Opt Out.

 

They may, indeed, have you over a barrel just now. So why not keep an eye on Bookie's thread and see how that goes with FOS intervention. You could then reclaim the charges when there is some guidance or precedent.

 

Re the PPI element, start a thread for this in the PPI forum. :)

 

Did you incur charges on the a/c before the Reserve Fees came in?

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You don't HAVE to threaten court action initially. You can ask the bank to refund some or all of the charges.

 

However, you say you need to keep the O/D - they're likely to remove this if you try and Opt Out.

 

They may, indeed, have you over a barrel just now. So why not keep an eye on Bookie's thread and see how that goes with FOS intervention. You could then reclaim the charges when there is some guidance or precedent.

 

Re the PPI element, start a thread for this in the PPI forum. :)

 

Did you incur charges on the a/c before the Reserve Fees came in?

 

Hi Slick, I appreciate your help. To put some figures forward, the agreed OD is £2300 and the reserve £500. I cannot open a parachute account with an OD of anywhere near this amount, nor can I start to eat into the debt because on a monthly basis I am debited either £88 or £110 + additions fee + OD interest and I just get nowhere. I got as far as opening an A&L account but they could not give me the Max £2,500 OD without me supplying them with proof that I had not exceeded my limit with B's....

Even if Bookie is successful it would not make me confident enough to take the threatening route knowing full well that they could pull the plug on my OD and leave me well and truly struggling.

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You're in a dilemma with this, I know. However, Barclays don't have a bad reputation for retaliating when charges are reclaimed.

 

Why not work out how much you've been charged in the last 6 years using a site spreadsheet. When you see how much this is, it may help you decide how to proceed.

 

If you went to the FOS and B's took away the o/d, there would be grounds to complain about that.

 

Also, if you set up a parachute a/c, you can keep it ready in case B's pull the rug. If they do, switch everything to the new a/c and leave the o/d behind. It can then be partly settled by reclaiming the charges.

 

They cannot take you to court or default you for the o/d when the balance includes their unlawful charges. Well they SHOULDN'T and, if they do, you have good grounds of defence.

 

So you don't have to stay with them and get battered month after month with their charges - this could be just the time for you to change things for the better. :)

We could do with some help from you

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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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