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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Unauthorised Use of my Barclays Debit Card?


Cobbs
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Ive held my barclays account since they took over all of the Woolwich accounts.

 

January '09, I took out a couple of Payday Loans. I would repay them back, only to have to take out another one to live on for the month. I got into a vicious cycle. Financially I got into a mess, so contacted CCCS, who advised me to write to all of my creditors, and offer them monthly token payments to pay off the debts (as every month Ive been going into debt by £1000+)! I did that.

 

One day, randomly, one of the payday loan companies swiped out £356 from my account - using my card details (I had just got paid), then the next day, another payday loan company swiped 2 x random payments of £68 and £33.

I called Barclays and told them the issue, and was advised that I needed to fill out an investigation form for these unauthorised payments from my card. They popped the form in the post. When I received it, I immediately filled in the form and sent it back to them. I was advised that in the meantime, until the investigation was done, that I should transfer any money that goes into the account over to one of my other accounts (the kids accounts), and that should include the 'reserve and overdraft' that i have. They said that even if they stop my card, that they will still pay the companies as I have given them my details, and in doing so, have authorised them to take money from my card!!!

 

I did as I was advised, but every week i was still being charged the 'Reserve' fee. Also, because my account was always in a deficite (sp?), soemtimes I missed my direct debits (due to not transferringmoney back over in time), and they would charge me 'Unpaid' fees too!

A month or so later, I called Barclays to enquire about the investigation, only to be told that they had not received the signed investigation form. They said that they would send me another one out.

Another month later, I still havent received the form from them, so I called them up to tell them this. the woman I spoke to said that basically there is nothing to investigate, as I have given the payday loan companies my details, and that the only option i have is to write to the companies and deal with them (which I have already done), and to call customer service and have them deal with the charges that I have incurred.

 

SOOOOO... I called the customer service department, who advised me that card services have to come to a determination in my favour, before any charges can be refunded, and that card services have to put in the request, NOT ME!! So I called card Services again, who them told me that they have no authority what-so-ever, and do not get involved with bank charges, and that I have to go back to Customer Services!

 

This has been going on for months now, and I am incurring charges every week due to this. Just last week, they took £168 from my account in charges. I really dont know what to do or where to turn.

 

Please, please, please... If anyone has got any advice on what I should do, it would be very much appreciated!

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Hi I would say easy option is to open another bank account (not with Barclayshark group) this will stop any further attempts by loan company to take your money and inform Barclays that your account is closed. Then start a claim for refund of all charges made by Barclays.

 

dpick

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I have heard lots of reports of how hard Barclays are to deal with at the moment.

Put the account is dispute - make an official complaint about how they have handled your case. And as it id not just about the charges complain to the FOS if you do not get the reply you want.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi Cobbs,

 

I agree that you you should try and open a basic a/c elsewhere. Barclays will just keep adding their Reserve Fees and add to your problems with Payday Loans.

 

If you haven't already done so, write to the bank confirming that:-

 

I hereby confirm that no money is to be paid to Payday Loans from any of my bank accounts and I withdraw any authority given for such payments to be made.

You will have to continue trying to get the unauthorised withdrawals returned but I don't know if you'll succeed. The bank and the "card services" seem to be bouncing you back and forth. Are Card Services a part of Barclays, or an outside company.

We could do with some help from you

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Hi I would say easy option is to open another bank account (not with Barclayshark group) this will stop any further attempts by loan company to take your money and inform Barclays that your account is closed. Then start a claim for refund of all charges made by Barclays.

 

dpick

I think that you may well be right!!

 

Do you know how I would file for a refund on the charges?

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I have heard lots of reports of how hard Barclays are to deal with at the moment.

Put the account is dispute - make an official complaint about how they have handled your case. And as it id not just about the charges complain to the FOS if you do not get the reply you want.

What would i need to do to put the account in dispute? When do you advise that I complain to the FOS?

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Hi Cobbs,

 

I agree that you you should try and open a basic a/c elsewhere. Barclays will just keep adding their Reserve Fees and add to your problems with Payday Loans.

 

If you haven't already done so, write to the bank confirming that:-

 

I hereby confirm that no money is to be paid to Payday Loans from any of my bank accounts and I withdraw any authority given for such payments to be made.

 

You will have to continue trying to get the unauthorised withdrawals returned but I don't know if you'll succeed. The bank and the "card services" seem to be bouncing you back and forth. Are Card Services a part of Barclays, or an outside company.

I have not done this. I shall do this first thing tomorrow. Thank you!

 

Card Services are part of Barclays... Just a different department. They seem to be bouncing me because no one wants to deal with the issue. :Cry: Its a really sorry affair! :mad:

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Hi Cobbs,

 

Before you raise any complaint with the FOS, you need to complain to Barclays. When they give you their "final response" or if they fail to respond in 8 weeks, then you can complain to the FOS.

 

I suggest you read this thread first, and subscribe to it so you keep up to date - http://www.consumeractiongroup.co.uk/forum/barclays-bank/181529-right-war-bookie-barclays.html

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 !:-)

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