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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Help! Barclays overdraft, statute barred


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This is my first post, and I could really use some help!

 

Some years ago I had a Barclays current account, but I stopped using the account some time in 2003, and haven't used it since. I recall writing to ask for the account to be closed, but moved at around the same time (June 2003), so forgot all about it. My mother was still living at my old address, and in helping her move out recently, I found a huge pile of letters she'd never passed on to me. It appears I left the account slightly overdrawn (by about £40, it appears) so it was never closed, and Barclays have continued adding interest since then. It now stands at just under £500 overdrawn, and Barclays have now removed the overdraft facility and are charging stupid amounts of interest, and are demanding full repayment with threats of legal action.

 

I'm convinced the debt is statute barred, as I know I stopped using it a few months before I moved in June 2003. I duly sent a letter to that effect and asked for proof otherwise. They have responded with copy statements going back to August 2004, and letter stating that the money is still owed, but not on what basis.

 

The statements reveal several things which I believe they are relying on to prove that the cause of action is much later than I believe it to be:

 

September 2004 - a payment for 'card protection' and an unknown payment with just a number beside it

December 2004 - a payment to 'debt management' for a graduate loan I had but I settled in full in June 2004

August 2004 - a further payment for card protection.

 

I have no recollection of signing up for card protection - and if offered, I would have refused, as I don't think it's particularly useful. The debt management payment I think I can deal with, as I think I have squirrelled away somewhere a letter confirming the account was settled in full. The random payment confuses me, as I have no idea what this is!

 

There is also a refund of £22 for a reserve fee in November last year - they don't ever appear to have charged the fee and according to their letters, it was something they would have added automatically. Upon speaking to their collections department this morning they appear to be under the impression that the refund they have added to the account constitutes a payment from myself and thus my acknowledgement of the debt! :lol:

 

I'm not sure where to go from here: clearly they are relying on these charges as proof that the debt accrued later but as far as I am concerned, none of these payments was authorised by me to my knowledge and thus the account was not in use from somewhere around mid-2003, and should be statute barred.

 

I need to send them a letter disputing the debits on the account, is this possible without acknowledging the debt - I'm not entirely sure when I stopped using it, so it might not be statute barred just yet.

 

Any advice would be most appreciated - I can't afford to pay this right now as I'm on a DMP, and would really rather it went away!

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surely the crux of this is YOUR last fanacial transaction NOT theirs.

 

i'd just fire off the statute barred letter anyhow.

 

if not reclaim the charges + int? either way the bal is null!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi there,

 

Thanks for your reply :)

 

They've had the Statute barred letter, their response was the statements!

 

Should I just write to them and ask them to explain how they feel this proves the account is not statute barred? The letter they sent basically says that they understand that the last payment I made towards the debt was over six years ago but that the account is still £493 overdrawn and requires paying. Oh, and that they hope their explanation was helpful!

 

There's no charges, per se, just these debits I don't recognise and a whole bunch of interest. It's well within the £1000 overdraft limit I had with them, so I only ever got charged the interest, and no charges were added as I hadn't gone over that.

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its down to them to prove its NOT statue barred not for you to prove it is

 

ignore them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know this is meant for DCA's but you can edit to suit, and mention you have made a formal complaint about them to the OFT, & FOS.

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/578-letter-to-dca-persistant-after-statute-barred

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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its down to them to prove its NOT statue barred not for you to prove it is

 

ignore them.

 

dx

 

 

i would call their bluff on this one

 

charges that THEY have added to the account to extend its life will not cut the mustard

 

i would write once more to this effect confirming that these three transactions were not made endorsed or authorised by you and you have serious reservatiions as to why they have been put there

 

Tell them also that you dispute these transactions and charges

 

Tell them that you are sure enough of your position that you will happily defend any action they care to bring and you will not be answering any further correspondence other than service of summons on this matter

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To re-start the limitation clock YOU must make a payment or YOU must acknowledge the debt in writing. As you have done neither, then this is undoubtedly statute barred.

 

It does not matter a jot as to what they do with the account. You could send a letter back stating:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOU

 

I acknowledge receipt of your letter, the contents of which have been read but NOT understood. The Statute of Limitations Act clearly states that if no payment has been made by ME or a letter has not been sent acknowledging any debt, then the 6 year limitation begins from the last time I made payment or wrote admitting liability.

 

The last transactions on my account were initiated by Barclays - this in no way affects the statute barred status of this account.

 

I enclose a copy of my previous letter regarding this matter. If you do not understand the contents, can I suggest you seek legal advice?

 

Any further correspondance on this matter will be met by my charges of £12 per letter in response and £9.95 per hour for research. You acknowledge these charges should you send any more demands.

 

Yours.

 

Or something along those lines anyway.....

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To re-start the limitation clock YOU must make a payment or YOU must acknowledge the debt in writing. As you have done neither, then this is undoubtedly statute barred.

 

It does not matter a jot as to what they do with the account. You could send a letter back stating:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOU

 

I acknowledge receipt of your letter, the contents of which have been read but NOT understood. The Statute of Limitations Act clearly states that if no payment has been made by ME or a letter has not been sent acknowledging any debt, then the 6 year limitation begins from the last time I made payment or wrote admitting liability.

 

The last transactions on my account were initiated by Barclays - this in no way affects the statute barred status of this account.

 

I enclose a copy of my previous letter regarding this matter. If you do not understand the contents, can I suggest you seek legal advice?

 

Any further correspondance on this matter will be met by my charges of £12 per letter in response and £9.95 per hour for research. You acknowledge these charges should you send any more demands.

 

Yours.

 

Or something along those lines anyway.....

 

but........ to truly fillet their donkey and leave them no wriggle room in coujrt when they apply for this ill fated SD hearing then for the sake of a stamp it would pay to be able to disprove any suggestion from them that they wouldnt have proceeded if you had told them so@

 

nothing wrong with what you said - its just my style to have an answer for everything that might crop up!

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