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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Where the hell do I start?


leilani
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Hi Leilani,

 

Whilst you can reclaim Barclaycard's charges because they are unlawful penalties, this is no longer possible with a current a/c after the OFT Test Case ruled that the bank charges were not unlawful.

 

I think you should now go to the FOS on the basis that you were experiencing financial hardship when the bank levied their charges, which were taken from your benefits income.

 

You will need to demonstrate that this hardship covered a period from whatever date initially up to the present (if this is the case).

 

:)

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How would I demonstrate it?

 

I am self employed, I do have accounts however they are so bad for the past few years because of the "recession" and my illness as a result I have benefits for the roof over my head only, any other income has been from selling what I have to cover bills.

 

Any suggestions as to what kind of documents would I need to provide?

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Fill in a budget Planner that you'll find linked in the Hardship Claim letter that's in the Bank Templates forum.

 

:)

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  • 2 weeks later...

Have found the budget planner works or excel version but links doesn't work. Just takes you to another page with a list of sites.

 

Anyone know where I can down load this file?

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hi leilani

 

i've just had a quick look over yr barclays problem and couple suggestions:-

 

have you done a SAR request on them? it maybe worth doing it as they have to send you all the info they hold on you and . . .

 

know its a stab in the dark (but believe me its not that unbelieveable) but if they did not send you a o/d confirmation letter within 5 days of yr last o/d increase - they are in breach of the CCA and as such the debt is unenforceable. worth a go i'd say. good luck honey. and beleive me when i say its worth a try because i know people who work there and how lapse they can be in this. also, if it was a joint acc - the letter had to be addressed to both parties and linked under both names on their Pc - once again - this rarely happens.

 

do a sar request and then you will see for yourself. GOOD LUCK! X:p

:cheer2: Pretty Princess Charlie :cheer2:

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Hi Leilani,

 

This should open the CAG budget Planner for you - http://www.consumerforums.com/attachments/117_Hardship%20Spreadsheet(2).xls

 

Please confirm if it opens ok. :)

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  • 4 weeks later...

Question - Is it illegal to have a recorded message on a mobile informing the person who is ringing i.e. BC, mercers or calders (passed to them now) that their number has been logged for harassing of a debt?

 

I am so tired, ill and haven't managed to submit court action against bc, I can't take the daily calls they are stressing me out so much that I am becoming extremely ill. I found an application for my phone called advanced call manager which I can put all the numbers that call and dedicate a particular message too.

 

Would appreciate any knowledge that would help me...

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Hi Leilani,

 

Answer - No !! It's not illegal. You can do this if you want, to avoid taking their endless calls on your mobile.

 

You can also record their calls if you want.

 

Also, remember the Trucall device mentioned in post #15 on the 1st page of this thread which can deal with any calls to your home number.

 

Try and stay strong so you can deal with the matter of reclaiming charges. The FOS may take a long time to deal with the case, so it's best that you start any action as soon as you can manage.

 

In fact, you may find it cathartic to take the initiative and pursue those who are currently pursuing you. Take back some control and turn the tables on them.

 

Most importantly, remember the DCA's have no power or authority. Try not to let them wear you down.

 

:cool:

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Excellent!

 

I am passed their 8 weeks does that make a difference?

 

I will be doing it but I have to go to my sister who is much more used to dealing with forms. I need support unfortunately and yes it will be good to get it over with before my body conks out...the forms are stressing me so much I am have to tablets everyday to stop me combusting from the inside out!

 

Thank You Slick : )

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Excellent!

 

I am passed their 8 weeks does that make a difference?

 

I will be doing it but I have to go to my sister who is much more used to dealing with forms. I need support unfortunately and yes it will be good to get it over with before my body conks out...the forms are stressing me so much I am have to tablets everyday to stop me combusting from the inside out!

 

Thank You Slick : )

 

Re the 8 weeks, are you saying you've already made the complaint to the FOS and are waiting for them to come back to you.

 

:confused:

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HI Leilani,

 

Don't worry that you're passed the 8 weeks Barclays said they'd keep the complaint file open.

 

Get on to the FOS as soon as you can. Don't get upset or angry..................... get even !! :mad:

 

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  • 3 weeks later...

Hi Slick...thank you for the words of encouragement, unfortunately the stress has knocked me on my arse these past few weeks, so haven't got any further but I building up momentum. I also now have Creation on my back! I am gonna start another thread for that don't worry! :)

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HI Leilani,

 

I don't think you really need to worry too much about the 8 weeks that Barclays gave you - it just means they've closed their own file on case. You can complain to the FOS when you want and Barclays will just have to re-open the file again. :wink:

 

Of course, the sooner you do it, the better so keep building the momentum. :thumb:

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