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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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Steveob v Barcleys


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I got my statments today I only asked for them about 10 days ago my cheque for £10 was also returned which was nice they owe me just over £1500 over the last six years so let the battle commence.

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Hi I have done my spreadsheet but the interest bit has got me, Looking through my statments over the last six years it looks like I have only been charged about £2.50 could this be correct or should I be adding the interest to what they owe me.

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There are two bits of interest.

 

1. Interest you have been charged by being overdrawn or lost on an interest bearing account. This will be included in the refund you demand from the bank. The amount of interest will depend on the type of account you have. It should be itemised on your statements. If it is overdraft interest £2.50 sounds very low for £1500 over six years.

 

2. Interest you add to your claim when you take action in the court to recover your loss. This is always 8%pa and is only added if you start court action via the County Court system e.g. MCOL. The 8% is calculated pro rata on the number of days using the total of the unlawfully taken charges + any interest charged or lost as a result. This + the court fee then forms the basic amount of the claim.

  • Confused 1
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Hi am ready to send the first letter asking for my money back but im a little confused as the advice given says at this stage do not include the interest but in the templet letter is says im claiming xxxxx plus interest of xxx, Can anyone help me out

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"plus interest of XXXXX"

 

This is the amount of Overdraft Interest you have been charged in your statement's, not the 8% interest you would be entitled to if you go to court.

Kingliam

:!:

 

On behalf of the Ginger one

Lloyds TSB - 1ST 12/07/06-LBA 26/07/06-MC-14/08/06-Court-31/01/2007

Halifax - D P A 02/10/06

On behalf of MumKing

Barclays Bank D P A 29/08/06

 

On behalf of DJ Sunny

Alliance & Leicester D P A 29/08/06

 

On behalf of GrandmaKing

GE Capital D P A 30/10/06

Barclays Bank D P A 30/10/06 - 1ST 15/11/06 *Microfiche [problem]

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Ok I have posted the first letter asking for my money back giving them 14 days to reply they should have it monday I sent it recorded delivery, Q: do I wait 14 days i-e 14th sept or is it 14 working days.

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It is 14 real days i.e. 14th Sept

 

Good Luck

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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  • 3 weeks later...
  • 2 weeks later...
  • 1 month later...

Hi all, I got Barclays defence today, usual rubbish!!!!!

I have been on the step by step pages to have a look at the guidance notes,which I must say were very useful, but can anyone clarify a few questions I have?

Section D applications-what does this mean?

Witnesses- myself obviously, but how do I put it politely that Barclays have been stealing from my account.

Section F Proposed Directions- what dose this part mean?

Many thanks to anyone who can help me with these points.

.

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Hi I have been on to the guidence section of the allocation-questionnaire but I may be a bit dim here, but I just not sure what to put into these sections can anyone clarify a few questions I have?

 

Section D applications-what does this mean?

Witnesses- myself obviously, but how do I put it politely that Barclays have been stealing from my account.

Section F Proposed Directions- what dose this part mean?

Many thanks to anyone who can help me with these points.

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  • 1 month later...

I recieved my court date today. Its for 28th February, however I am a little concerned regarding the directions that apply to the claim, the letter was dated the 14th Dec which I receieved this morning the 16th Dec, It states;

 

1] Each party shall deliver to every other party and to the court office copie's of all document's ( including expert's report's if the court is given permission for expert evidence to be used ) on which he intend's to rely at the hearing.

 

2] The copie's shall be delivered by 4pm on Friday the 15th Dec 06.

 

3]The original document's shall be brought to the hearing.

 

Are the court are asking me for my court bundle to be delivered by Friday 15th Dec or are they referring to the document's that I have already provided as in the Allocation Questionare, the spread sheets with the sum involved?

Can anybody shed some light onto what there asking I just hope its not the court bundle they want by the 15th Dec as I only got the letter doday the 16th Dec ( the court letter was dated the 14th Dec ).

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I have spoken to the court today they WHERE asking for my court bundle, the guy I spoke to said not to worry he will sort a new date out for my bundle to be in by. He said he can't understand why the judge asked for it so early as it would just be sitting on file. The judge allocated it for the small claims on the 1st Dec the hearing date is the 28th Feb 07, I never got any letter telling me about the allocation hearing is this normal, do you think a phone call to Barcleys would be worth it or is it to early to try that one yet.

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I have spoken to the court today they WHERE asking for my court bundle, the guy I spoke to said not to worry he will sort a new date out for my bundle to be in by. He said he can't understand why the judge asked for it so early as it would just be sitting on file. The judge allocated it for the small claims on the 1st Dec the hearing date is the 28th Feb 07, I never got any letter telling me about the allocation hearing is this normal, do you think a phone call to Barcleys would be worth it or is it to early to try that one yet.

 

Take a look at post #240 in my thread here . It appears that cases as far ahead as that will not be settled until the New Year.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thanks for getting back to me Welshman, just a quick one in my post I said the court had already allocated my case to the small claims but had not told me about the allocation hearing which was back on Dec 1st, my court date is the 28th Feb any reason for this.

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Absolutely no idea. It may have got lost in the system somewhere. Anyway, no harm done. It's just a shame that Barclays won't at least settle with those who have their dates regrdless of how far ahead they are.

 

I feel very fortunate.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Well I thought I might just give them a ring to see if they wanted to settle A Mr C Evens is dealing with my case, I never got to speak to him personaly but the messege I got back was to offer me the £850 which was offered back in October which I told them stick it so I told them I would see them in court in Feb.

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