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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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Barclaycard - right, wrong or speaking in tongues and trying to confuse?


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As far as I am aware no termination notice has been issued... and as to which Friday - they can turn up any Friday their heart desires - we won't be there!

 

Thank you for the advice... shall stick it on the ignore pile x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Well its not been sold to RMA, they're just attempting to collect ;-)

 

Send them the bemused letter

 

And thanks to the Manchester test cases ruling t&c does not meet the requirements for a s78 request imo as they well know as Barclays were told this by the judge ;-).

 

S.

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RMA are actually NCO europe, I've not heard them dealing with Barclays debts before, normally MBNA and AMEX use them a lot.

 

As to the postcard, its different, normally its a MR P GREEN or C BROWN or the such :-) they obviously ran out of colours.

 

It means they'll attempt to PHONE you on that day ;-)

 

S.

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Hmmm, that means they'll get the "this number has been changed to" message - and then we will have to start blocking them all over again!:mad:

 

Can someone link me to the "bemused" template?

 

Thanks

 

Still needing help finding the "bemused" template... I can't find it... does that make me even more bemused?!? ;)

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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ok how about "befuddled"... I love that word ;-)

 

 

The DCA should return it to Barclays or at least put on hold while they "correspond with their client"... if they dont then demand their complaints procedure and suggest you are going to be making a complaint to the OFT for non-investigation of a valid complaint.

 

S.

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Befuddled; hmmm, I think you may be onto something!

 

Barclayshark seem to be washing their hands of it. All they keep saying is "we have sent you all we need to, now go away you annoying little bug"... I am looking forward to burying them under the contents of a small rainforest!

 

Thanks again Shadow

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Befuddled; hmmm, I think you may be onto something!

 

Barclayshark seem to be washing their hands of it. All they keep saying is "we have sent you all we need to, now go away you annoying little bug"... I am looking forward to burying them under the contents of a small rainforest!

 

Thanks again Shadow

 

Nay problem, I'm slightly behind you in that I've not been passed externally so far.

 

I think Barclays will need to update their templates pretty sharpish after the Manchester test rulings on s77/s78 responses :-)

 

S.

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That is what actually amazes me... that none of the parties involved have looked at themselves and the paperwork they produce and have then thought "You know what, maybe we need to look at this so that we comply..." I mean, maybe I am living in cloud cuckoo land but... :confused:

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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There is only one thing that drives these companies... and thats the bottom line. Anything that impacts this will cause problems.

 

Having masses of debts that are unenforceable is not an option for these businesses as they have securitized the income stream from these debts and invested in further mortgages and loans etc.

 

S.

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  • 2 months later...

We are now being threatened with court action - that's two of them this week!

 

Royds/Wescot I think we will make an offer to; but this one (I shall scan the letter at work tomorrow) I want to verbally kneecap. Guess it'll be the bemused letter - is there one that mentions what they were told in the Manchester test case?

 

Gracias

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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The letter then goes on saying we will receive no more statements, interest will be reduced to 1% per month, and the PPP has been cancelled. They go on about Credit Reference agencies and all the usual jazz, and finish with the old "If you do not make this payment or phone us to reach an agreement within 7 days, a County Court Judgment may be registered against you."

 

 

 

 

but I just want to make sure that I don't make things worse for my 70 year old mum...

 

Hold on a second.. PPP cancelled - 70 year old mum ?? Why was there a payment protection policy on this account ?

 

Did your mum ask for it and surely barclayshark were aware of her age ??

 

You really, really want to see a copy of the original agreement and or some indication of when this PPP was added. a) to see if she ticked any boxes or b) if they just decided to add it somewhere along the line.

 

In fact, this could be a better reason to put this account into dispute.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This account is already in dispute because all they sent her were two photocopies of the T&C.

 

If I remember correctly, mum was working when this card was taken out - she worked up to early 2006 - it might even have been via the Woolwich when it was in existence.

 

I am thinking of doing a subject access request when I get some cash... but I need to fend off Westminster for the time being.

 

This is the second we are taking you to court letter that she has got this week - the other is in the LTSB/Wescot thread... as I said, I think we will have to offer a payment to Royds... but this one?!?

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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So it was taken out some while ago ?

 

Irrespective of this, there should have been no PPP attached to any loan/credit past her legal retirement date. Almost certainly an SAR would be worth obtaining.

 

If you could get hold of statements for the last 10 years then it could be worth making a claim for the PPP to be refunded.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Westminster needs to be told there is a dispute and that it has only just been brought to your attention that there is a more serious complaint which you will be taking up with Barclayshark in the first instance and the Financial Ombudsman if BC fail to respond satisfactorily.

 

Perhaps then a letter to B/shark saying that revisiting some of their letters in order to make a formal complaint to the ombudsman, you notice that they have "cancelled PPP" (you can take the correct wording from their letter and also put the date of it).

 

Having taken advice, you are now wondering why this PPP was actually applied to the account as to your recollection it was never requested. Perhaps if they could clarify this by providing you with a copy of the agreement that includes your request for this product. If they are unable to provide this, then perhaps they can provide some other proof that this product was requested by me.

 

Send a copy of the B/shark letter to Westminster.

 

That should set the cat among the pigeons :D

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CitizenB, I will do the subject access soon... and I am not entirely sure when the card was taken out... but pretty sure she was in her 60's...

 

Do I send Westminster a "bemused" letter; and is there one that mentions the Manchester test case? I want to send them something to shut them up.

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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You beat me to it! Thanks

 

You are very welcome..

 

hmmmm, you say she was 60 when she took the card out.. that PPP should NOT have been sold to her:confused:

 

You really, really need to see paperwork in connection with the selling of that and also the policy document.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You are very welcome..

 

hmmmm, you say she was 60 when she took the card out.. that PPP should NOT have been sold to her:confused:

 

You really, really need to see paperwork in connection with the selling of that and also the policy document.

 

Agree with this... you definitely need to see the terms and conditions of the PPI as more often than not they do not cover people of a certain age.

 

S.

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The only thing that we can get out of Barclayshark are two photocopies of the T&C... and the letters saying that they have done all that they intend to...

 

Will do as suggested when I get home tonight - all the info is on that PC.

 

Thank you for your help

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 3 weeks later...

Well, Barclayshark have moved it on to someone else again (possibly another desk along the corridoor or one of their "legal department" but I don't have the letter to hand)... and it is the usual bovine excrement "You haven't responded to XXX's letters... we will come round and kneecap you or drag you to court... yadda yadda yadda"

 

Shall I ignore or send copies of the other letters to this bunch of halfwitts (despite conclusive proof that the threat monkeys cannot read anything unless it has £ and lots of 0's at the end)???

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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It's NCO... whose threat monkeys hail from Preston

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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