Jump to content


  • Tweets

  • Posts

    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

bearing v Barclays Partner Finance ***CASE WON*** probably !!


bearing
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5241 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

You should also include your SOC setting out all the charges which you require to be repaid.

 

Give them 14 days to do this and then file a claim at court.

 

Consider claiming interest in restitution .

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

  • Replies 121
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

How does this reply look?

 

Dear xx

 

Thank you for your letter dated xx xxxx 2009

 

I respectfully decline your offer of settlement and request, one final time, that you return to me all charges including Arrears Letter Charges, Unpaid Direct Debit Payment Charges and Unpaid Cheque Charges imposed on this account, totalling £xxx plus any charges that have been applied since xx xxxx 2009. I have enclosed a schedule of the charges added to my account up to xx xxxx 2009.

 

In order to avoid Litigation against you, I am prepared to temporarily accept the sum offered as partial settlement on the clear understanding that the remainder is paid within the next 14 days. Failure to comply with this request will result in legal action against you for full recovery.

 

If you do not accept my conditions for acceptance, or you do not respond within 14 days, the money transferred to my account should not be viewed as my acceptance and I hereby authorise you to remove this sum accordingly.

 

 

I trust this clarifies my position.

 

 

Yours faithfully

 

 

With regards to the interest in restitution, is that the same as contractual interest and when would I claim this if I did, at court or in this letter?

Edited by bearing
Link to post
Share on other sites

The letter looks fine.

 

If you want to claim interest in Restitution, you should ask for it now and include it on the SOC. They won't pay this voluntarily and you'll have to file at court and take it right up to a final hearing date, before they cave in and settle.

 

Use an advanced spreadsheet - the one in the Interest Tutorial will do. See Link No6 in my signature below.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

The letter looks fine.

 

If you want to claim interest in Restitution, you should ask for it now and include it on the SOC. They won't pay this voluntarily and you'll have to file at court and take it right up to a final hearing date, before they cave in and settle.

 

Use an advanced spreadsheet - the one in the Interest Tutorial will do. See Link No6 in my signature below.

 

 

Looked into it, they haven't added interest to the charges as the finance charge was front loaded as part of the initial balance.

Link to post
Share on other sites

No, you're missing the point. They've had your money and have used it as part of their business capital on which they have earned money.

 

Read Link No6 in my sig're - the section about interest in restitution.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

  • 2 weeks later...

Today is the 14th day and nothing in the post, should I give them a couple of days grace before filing the claim?

 

I've also paid the nine pounds or so that covers the entire purchase plus the interest, so now the balance they say I owe is entirely made up of charges.

 

I didn't go with the interest in restitution on this one, as I want it over as quick as possible as It'll lighten the load of monthly payments. Will certainly go for it on my next claim though.

Link to post
Share on other sites

Hi Bearing,

 

In this instance, I'd file the court claim immediately - at least that way you'll get the full amount of s.69 Statutory Int't from the date of each charge.

 

File at your local court using form N1 - http://www.consumerforums.com/resources/templates-library/48-bank-templates/113-4-particulars-of-claim-n1-updated-version-now-available See the downloadable N1 in pdf format towards the bottom of the thread.

 

Adapt this POC to reflect that your claim is against Barclays Bank PLC t/a Barclays Partner Finance, and that you're claiming back penalty charges on a fixed sum loan. http://www.consumerforums.com/resources/templates-library/48-bank-templates/120-zootscoot

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

It may have to wait a couple of days, don't have the £65 at present.

 

With regards to any charges that have been added since my schedule of charges, do I need to find them out now or can I wait until the court hearing?

Edited by bearing
Link to post
Share on other sites

Before either a court hearing or a tel con to discuss settling with Barclays, have an up to date SOC showing all charges to date, so you have clear figures to agree.

 

You'll need details of any recent charges that have been added.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Before either a court hearing or a tel con to discuss settling with Barclays, have an up to date SOC showing all charges to date, so you have clear figures to agree.

 

You'll need details of any recent charges that have been added.

 

 

I'll give them a call then, perhaps they may email me a copy of the charges applied since.

Link to post
Share on other sites

Write a quick letter to Mercers if they contact you, to say:-

 

Please do not involve yourself in this matter. The a/c is in dispute with BPF concerning penalty charges and all collection activity must cease.

If you contact me again, you'll be in breach of the OFT Debt Collection Guidelines and will be reported to the FOS for investigation.

Your claim remains with BPF. They've not sold the a/c - Mercers are just Barclays and Barclaycard's in-house collection monkeys.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Write a quick letter to Mercers if they contact you, to say:-

 

Please do not involve yourself in this matter. The a/c is in dispute with BPF concerning penalty charges and all collection activity must cease.

 

If you contact me again, you'll be in breach of the OFT Debt Collection Guidelines and will be reported to the FOS for investigation.

 

Your claim remains with BPF. They've not sold the a/c - Mercers are just Barclays and Barclaycard's in-house collection monkeys.

 

 

Cheers Slick,

 

With regards to the account being in dispute, should BPF still be adding charges to it?

Link to post
Share on other sites

As you are disputing penalty charges but not the credit agreement itself, you don't have the protection of the CCA1974 for an a/c in dispute.

 

You do, however, have the OFT Debt Collection Guidelines but this doesn't stop the addition of charges and/or interest to the a/c.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

As you are disputing penalty charges but not the credit agreement itself, you don't have the protection of the CCA1974 for an a/c in dispute.

 

You do, however, have the OFT Debt Collection Guidelines but this doesn't stop the addition of charges and/or interest to the a/c.

 

:)

 

 

Okay, thanks for clearing that up.

Link to post
Share on other sites

Letter sent to Mercers on the 21st, received a default notice in the post today any ideas on this.

 

Not concerned as obviously they can't serve a default on a balance made up completely of charges.

Edited by bearing
Link to post
Share on other sites

Hi Bearing,

 

Have a look here for info about defaults - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

You SHOULD be concerned about this. Although they shouldn't place a default against you, they may still do so, despite the a/c being in dispute.

 

Reply to Mercers confirming that you will take action against BC/Mercers if any default is made while the a/c is in clear dispute.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Check out the Default Issues forum.

 

I think the DN is wrong as it doesn't show BPF's name and address, for starters.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

  • 2 weeks later...

Another thing which has crossed my mind, when they decide they are in the wrong and pay up do you think it would be preferable to ask for a cheque to be sent out from which I can then pay off the balance of the account. Rather than them just crediting my account?

Edited by bearing
Link to post
Share on other sites

Hi Bearing ,

 

The name and address in post #47 are correct.

 

Deal with the manner of payment (cheque or credit to the a/c) when negotiating re settlement. Is the loan still running and are pay'ts up to date on it.

 

The example N1's on the site should give you adequate guidance but, if you want to, post the N1 here before it goes to court. Hide all personal data first !!

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Hi Bearing ,

 

The name and address in post #47 are correct.

 

Deal with the manner of payment (cheque or credit to the a/c) when negotiating re settlement. Is the loan still running and are pay'ts up to date on it.

 

The example N1's on the site should give you adequate guidance but, if you want to, post the N1 here before it goes to court. Hide all personal data first !!

 

 

Whether the loan is still running is debatable, they insist I'm in arrears but I have made payments to the account that total the original balance which comprised of the loaned amount plus interest, so in my eyes the account is paid in full. The balance that now stands on the account is made up 100% of charges, so as far as I'm concerned then yes payments are up to date, but as far as BPF are concerned they are not.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...