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    • No u Unfortunatley I do not know who they were or how I might find out. the only details of the debt I have find just  mention debt managers.
    • Don't worry, Simple Simon of VCS/Excel is very well known to the forum, as indeed are his defeats, of which he notched up another brace only last week.   There is time to 5 February and as dx says, the defence need only be very short.  Get CPR off today and upload the correspondence in PDF when you can.  Just follow our upload guide.   A few questions.   1.  Briefly, what went on, how did your wife get three tickets?   2.  Is the person they are suing also the same person who was driving on the day?   3.  Did she receive a Letter Before Claim/Letter Before Action?   4.  Is this car park local to you?  If so it would be very useful to see pix of the signage.  You heavily hint that Simple Simon has mixed up Excel with VCS, and this has been fatal to him in court many times.
    • A quick Q; in the CPR 31.14 request which I’m amending to fit the particulars of their claim,  is it worth wording the request in point 1;   1. The contract between VEHICLE CONTROL SERVICES and the landowner that assigns the right to enter into contracts with the public and make claims in their own name. OR land registry details confirming VEHICLE CONTROL SERVICES as private land owner.    Asking this because their claim is worded ‘.The PCN(s) was issued on private land owned or managed by C.’
    • Is the monthly repayment agreement that you have accompanied by interest? Or have they decided to freeze the interest on it?
    • Hi all, good to see a well used forum on all subjects...I don't think this will be too common.   So basically I got a £10 credit for Casimba Casino and turned it into £1045, I have used the same debit card for the past 12 months, I came to withdraw and sent it to that card when I used the withdraw procedure.   After 9 days it wasn't in my bank so their support finally tell me they sent it to a credit card I haven't used in over years, one I had defaulted on when I lost my job! I am paying it off in a monthly agreement.   But this Casino sent them the £1045, I got in touch today and said that shouldn't have been sent, its Vanquis and they said they will ring tomorrow on a decision whether they will send it back, I don't think they will but any ideas how I can persuade them otherwise, this money will be a great help as I struggle to find a job in these times.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Barclaycard Arrgh

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:-x I'm so angry,i just logged on to my account and they dropped my credit limit without notifying me.

The reason they gave is i was late with three payments over the last year,all the late charges were refunded to me as the payments were made on the due date online.

They have marked my credit with three late payments even though they reimbursed them to my account.

I'm absolutley fuming,now i'm going to CCA them and claim back a mis-sold PPI.

I have been told a letter is on it's way to me to explain their decision,angry does'nt even cut it,i'm not paying the greedy *%$%*& another penny:-x

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Hi Bsj,


Have they just lowered the a/c limit a bit, or have they dropped it to the approx outstanding balance so you can't use it further.


If it's the latter, you may find they keep reducing it further. However, if you send them the CCA request, they'll do this anyway.


You could write to Barclays HO to complain about the late payment markers but you may not be successful if the payments were technically made late. The refund of charges, they'll say, was a gesture of goodwill and not an acknowledgement of any error on their part.


Were the payments to BC made from a Barclays a/c. If you made them on the due day, they may well show as rec'r by BC the following day.


Be aware that, if you stop payments now when the a/c is not In Dispute, you'll give them further cause to register adverse CRA data which you will find hard to have removed.

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Yes they dropped it to the outstanding balance,your correct i was told the late payments were a goodwill gesture.


I was so angry yesterday,i was about to order a christmas present,i can't use my debit card as it's electron.


I am going to continue to pay it as i don't want another default on my file,the last one i have drops off next summer and it will be clean,it just made me so incensened that they did it without any notification but as near to christmas as we are.

I am going to claim back the PPI, though they will probably take it off the card,it was sold to me when i opened the account then in 2007 they wrote to me asking me to call them and they set a plan B policy because i was'nt working.


To be honest i have been thinking about cutting it up and closing the account,but life can be made very difficult without a credit card,and i feel it be worse in the future with the big push for on-line shopping,and for being a cashless society.


Thanks for advice slick you were spot on,one other thing i was told,i asked if i pay another amount off the card will my credit limit be dropped further and was told it may be the case,i hate big corporate bullies,they have so much control over the consumer.:(

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The late payment markers are not so damaging, I believe, as perhaps a marker for an unpaid loan, etc.


Re the PPI, start a thread for this in the PPI forum. If they won't repay voluntarily and you have to file a claim against them, you can insist that they pay you direct and not knock the settlement off your BC balance.


Read up on the process carefully, claim the best interest you can (which is what may make them refuse to repay initially) and get ready to take them on.



We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING



                                            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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