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    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
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      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.

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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.

      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.

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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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Could someone please advise.Currently have a cc with Barclays which is just under 4 grand in the red .I had a payment plan set up with them, all be it verbally,where I would pay £40 a month and the interest frozen.Now ,in order to get the interest frozen I had to pay 2 consecutive months of this amount before the interest was stopped,I duly obliged .Yesterday I recieved my statement,and guess what,£89 in charges (interest).Tried to ring them yesterday and was put through to 4 different people, and this is the problem,

(a)I reside in the R.O.I.

(B)was speaking to someone in India (call centre i guess)

©the call was costing me a fortune (currently unemployed)

(d) refused to ring me back

(e)the 4th person left me on hold for a number of minutes to check on something and when he returned,refused to tell me what he was checking on.I have a payment plan with 3 other creditors and have no problems with them.So the question is i guess,whats my next step,I'm tempted to just stop paying and let them whistle for it seeing as I don't live in the U.K. anymore (I don't have any c.c.j.s against me),so was wondering where I stand on this.Tried to sort this out but I'm damned if I'm going to spend any more money on international phone calls.Wondering what the legal side of things were regarding all this.

 

Would appreciate any advice,thanks in advance.

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Your big mistake here is that you don't record your calls.

 

Bank staff are generally very pporly trained. They don't understand their own procedures. They make all sorts of promises on the phone and customers rely on those promises like innocent lambs only to find that they have been lead into the slaughterhouse. Then the bank denies everything.

 

If you don't record your calls then don't do your business on the phone. Simple as that. Record your calls.

 

As far as international phone calls go. I suggest that you use Voipcheap which will allow you to call landlines in most countries for free and mobiles at very reduced prices. You can call 0845 numbers at very cheap rates or else find the internation number for your bank and call it for free.

I use Voipcheap all of the time and make remarkable savings. It is much cheaper than Skype. I record all my calls and I use VRS recording system by NCH software Multichannel Call Logger and Audio Recording Software

 

If I was using a landline, I would use a Truecall which is the ultimate call recording/call screening/call management device on the market.

 

 

As far as how you want to deal with Barclays as you are not in the UK, I'm not able to advise you on what your personal attitude to this should be.

 

What I can tell you is that you should not trust the bank or expect that they are capable of responding to any attempt at reasonable dialogue in any sensible, sensitive, intelligent businesslike way.

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Hi Bowlerhat and welcome to CAG.

 

Is this a Barclaycard - if so I'll move the thread to the BC forum for you.

 

Further to BF's comments about Truecall, see here - The Consumer Forums - Telephone Recorders reviews.

 

However, it really is best to keep all communication in writing so you have a proper papertrail if it comes to court action by you or the bank.

 

Have you sent a CCA request with the £1 fee. Use Letter N from here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

If you don't have all your a/c statements, you need them to start reclaiming all the unlawful penalty charges on the a/c. Use the SAR with the £10 fee - http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

Read the forums as much as you can - you'll learn loads. :)

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Because I live in the R.O.I. and I have no ccjs against me at my previous uk address that cc companies are unable to claim back my debt? Is there anyone who can give me an answer to this? However, I do feel that I have more than paid back my debt in interest over the years !!!

 

Thanks in advance

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2 threads merged and thread put in BC forum - please stick to one thread per topic so all Q's and A's stay together.

 

Not sure about your last query but won't this leave you with a rotten credit history, if you want to return to the UK.

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Thanks for that slick,I'm not the best on computers I,m afraid !!! Understand what you are saying however,my family and I have no intention of returning to the uk (extended family have also moved away). Simply couldn't afford to being one of the reasons. At present I am paying my creditors what little I can afford and will continue to do so,but I want to do it on my "terms".Once I get it down to a certain amount I will cease paying, reason being is that l will consider that the remaining amount is what they will probably owe me in interest and charges from over the years.Sorry,I hope I'm making sense.I don't have the time to reclaim or "fight them all the way" so to speak.I know they can harrass me with threats of letters and dca's and so forth, but this I can handle with the template letters on this site and the excellent advice of fellow caggers.So really what I'm asking is,can they make me pay more than what I'm paying now (they can add as much interest as they like)? In 12/18 months time I will be emmigrating again (outside of the eu) due to my wife's work so I intend to leave a small outstanding debt to my creditors,thus deeming the remaining amount to be what they owe me in charges etc..I know this is not the "normal" way to go about it, and unconventional ,but in your humble opinion ,is it possible without being taken to court?

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Hi BH,

 

I don't know enough, about whether you can be pursued in the ROI, to comment. See how it goes and, if you come up against problems, seek advice or respond as necessary.

 

I can see why you choose to handle the debts in this way - establishing if there's a valid credit agreement for an a/c is made so difficult by the CC Co's.

 

Good luck anyway. :)

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I am not an expert on these matters but I would take care with Barclays as I think they are the most slippery of hte lot. I would not trust anything they say on the phone.

 

I am currently on a Debt Managment Plan, all my other creditors deal with my debt management company, are freezing interest etc, but Barclays bypass them all the time, refuse to deal with them, pretend they have lost paperwork, refuse to respond to my very reasonable complaints to follow OFT guidelines. I would therefore take care to get something in writing from them if you can, and be very cynical in your dealings with them as they make life as difficult as possible if they can..

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