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    • look at the timeline in the poc carefully. the a/c was defaulted 30th april the A/C was not sold till 21st june, some 2mts later   I would suggest the £499 was refund of interest or charges or WHY from the OC, hence the different wording to the phantom £1 payment some further 6mts later they claim by you.   the MBNA SAR will most probably clarify the 1st part and should be arriving well in time for your bundle exchange   at that time 2012 -14 were you ever aware of what questioning a debt was all about ?? or were involved in any other debt whereby you used a CCA request etc or were in any kind of debt management etc etc.. we don't have old thread history to guess your background.        
    • get on to Lidl head office and the local press and lay it on with a trowel. Ask the council if there are any conditions in the planning consent that palce limits on parking times- many have a minimum of 2 or 3 hiours free parking and that cannot be changed arbitarily by either Lidl or the parking co. If there are conditions make a big fuss and tell Lidl that you will be going after the closure of their store if they dont tell Athena to wind their neck in   See the case of Tandridge and Caterham branch of Morrisons which was a Somerfield. In short 3 hours free parking  as a minimum, Morrisons chaged it by hiring parking cowboys who limited it to 1 hr when they took over the store and the council told them they would close the store for breach of planning consent if they didnt tell the parking co to do one. Parking co realised they would never make money like that so skulked off.
    • The POFA allows the parking co to create a KEERPER liability if certain conditions are net. POPLA have got the timings wrong as the parking co is allowed 12 days plus 2 days for service so they mut send out the NTK in time (28th) regardless of whether it drops on your doorstep within the 14 days. So they failed to create a keeper liability- this doesnt men that there wasnt a contract with the driver but they cant assume that the keeper and driver are one and the same but this has never stopped a parking co from persuing the person named by the DVLA even if the procsessing of your personal data is unlawful cos they ahve screwed up on their dates. tyhye just lie to the courts and hope.   The BPA will do nothing other than side with the person who pays their wages for the above reasons. they will waffle about assumed driver still a contract so someone ahs to pay and it will be you unless you name someone esle etc. All cobblers but they cant burst the bubble.   Better off saving ink and fighting the parking co if they want to start something but let them waste their time and money in the meanwhile. If the car aprk is local to you get some pictures of the entrance, the signs in there and piccies of any signsthat are different to the signage at the entrance. tell us about the event, the place, time what it is they said you did wrong etc
    • this is for the court claim one should be on your other thread please      
    • no, as numerous threads here regarding AP already shows, AP stays for anything upto 12yrs and kills the score and the account thus remains on file. a default notice should have been issued after the 3rd payment which did not meet the org payment terms of the signed agreement.   the ico is even down on record stating the same about this AP marker, it should not keep an account showing on credit files nor effect one's score whereby otherwise it would now have been removed or the score improved after 6yrs
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Hardupnotfedup

B Card Have Stopped Reduced Payments

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Hello Guys,

I'm looking for some advice or ideas in how to approach this, I do not dispute the debt apart from maybe a few unfair charges in the past, I have never wanted to upset the applecart because to be honest BC have been reasonable to me over the last 2 years in accepting a payment of £7 a week towards a debt in excess of £7,000. I originally set this up through a debt management company I no longer want to use them(big fees).

BC have now sent me a letter saying that they now want to withdraw the reduced payment option and re-instate interest.

I am actually worse off financially now than when I set up the reduced payment.

Is it worth just writing to them stating my position financially?

I am tempted to just tell them this is what I'm willing to pay and if you don't like it take me to court.

 

Thanks peeps


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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A court will only make you pay what is demonstrably affordable. However, you would end up with a CCJ which is generally not a good thing.

 

Bcard are trying to negotiate a new payment arrangement with you with all the sublety of a bull elephant. You should respond to their letter offering a payment that you can afford. If that's less than what you have been paying then so be it. You could mention the point above about what the court would do but don't do so in a threatening way.

 

If they won't play ball then post what they say here.

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I have never wanted to upset the applecart
Now they've upset the cart don't you think it's time now to see whether the CCA is in fact enforceable? http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

Anthrax alert at debt collectors caused by box of doughnuts

 

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Thanks Seminole that is along the lines what I was thinking, but thanks for the tip about being less threatening:) I would have been a bull in a china shop to be honest. Are there any template letters available, I know it sounds lazy but I know the templates are better than anything I could construct.

 

Thanks again


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

 

You'd be surprised at how bad their record keeping can be, particularly if you've been with them for a while but I think your approach is the right one for the time being. If you start getting letters from a company called Newmans, that is Bcard's in house debt collector.

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It's a nonsense to pay anything towards a debt that increases.

 

Offer them £1 per week ... see what they say.

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Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

 

i'll bet you a pound to a bucket of pigsh*t that they do NOt have a valid agreement- still if you want to play the white boy - trust me they will walk all over you

 

get that s78 request off now

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Thanks guys, I will send off letter with my offer tomorrow and let you know the reply. If they mess me around then I will go down CCA route, I already have one account in dispute with another credit card as they sold on debt that I was paying without warning, anyway I want a paper trail if it does go to court.

Diddy they have been reasonable for 2 years plus so hopefully that will continue if not then the real fun will start.

Edited by Hardupnotfedup

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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I paid Barclaycard a token amount for a few years without any cobtact from them, then a couple of months ago they wrote to me saying I should be paying more.

 

I just wrote back saying that I'm going to continue paying the same amount as my circumstances haven't improved.

At the same time I enclosed a CCA request (along with £1 postal order).

 

Since then all I've received is a copy of their current t&c and they've apparently accepted me continuing to pay the token amount.

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Thanks Florish great idea to do both at same time, offer and cca request.


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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I paid Barclaycard a token amount for a few years without any cobtact from them, then a couple of months ago they wrote to me saying I should be paying more.

 

I just wrote back saying that I'm going to continue paying the same amount as my circumstances haven't improved.

At the same time I enclosed a CCA request (along with £1 postal order).

 

Since then all I've received is a copy of their current t&c and they've apparently accepted me continuing to pay the token amount.

 

ill bet they have!! you are paying them for nothing i would imagine. they have not complied and sent you a true copy of an executed credit card agreement and they are in default of s78

 

 

you need to send the second letter from the template section

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