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    • Referring back to to your initial post... So not a judgment ?
    • 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.
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Help needed Urgently Barclaycard/Mercers


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Does it matter then whether they have the original or just a scanned copy? I thought it wouldn't make any difference as its still a copy of the original showing my signiture etc.

The difference would be, if this went to court, the creditor should have the original credit agreement. However, as it is not a reconstruction but a copy of the original document, a judge may decide to accept the copy document. It would be down to the judge on the day.

 

But BC rarely take their cases to court ............ 8-)

Edited by slick132
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Hi all. BC have been rather quiet lately so been concentrating on my MBNA who have decided to take me to court. However I recieved a letter today from Debt Managers Ltd demanding the full amount and that interest will be charged at 1% a month. Do I reply with the same thing i've keep sending BC stating the amount I can afford each month? I still have my SAR to do as money has been very tight lately but will get it done asap do I now send it to Dept Managers Ltd of still to BC.

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Hi Gem,

 

I assume the letter from Debt Managers is for the BC a/c, but please confirm.

 

Ignore DM and send the SAR to BC as soon as you can if you think there may be penalty charges you can reclaim on the BC a/c. If you delay doing this, you will lose out on a/c data that is older than 6 years.

 

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Hi Slick, Yes, sorry the letter from debt managers was for my BC account. I have a few charges on there from the last 6 months but I also have PPI that I took out when I applied for the card even though I stated I was self employed. This goes back to 1999 though. gona send the SAR as soon as hubby gets paid.

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If you stated on the application form that you were self employed, this should certainly help in reclaiming the PPI plus compound interest at BC's contractual rate.

 

The £10 SAR fee could prove to be £10 invested very wisely.

 

Disputing the PPI, once you get the SAR data, will put the a/c into formal dispute and any DCA will have to back off.

 

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  • 3 weeks later...

Hi all Recieved another letter today from Debt managers LTD. Reads as follows:

 

NOTICE OF LEGAL ACTION

 

Your failure to respond to previous letters has resulted in your account being passed to this department for court action and our solicitors may prepare the court papers within 7 days. If you wish to avoid legal action you must now pay in full today using the attached giro or you can phone and pay by debit or credit card or alternatively you must immediately telephone our legal manager on 0844 225 3047.

 

Supervisor

Court Department

 

Should I be worried about this. I am sending the SAR today 1st class recorded. What should I reply to DM?

I am getting so stressed out with all this now it is really getting me down.:sad:

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Hi Gem,

 

Good to see you're sending off the SAR.

 

You can now reply to DM Ltd saying you have sent a SAR to BC because of a potential dispute over charges (you don't need to tell them any more than that). Accordingly, they should hold off any further collection activity pending resolution of the dispute.

 

This is just one of their usual letters and is very unlikely to lead to the court action threatened.

 

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Hi Slick. Yep sent off today 1st class recorded. Ok so I will send a letter to DM tomorrow.

I am a Little jittery as people were saying that MBNA were just threatening then court papers fell through the door :shock: and the BC acount is double what the MBNA is. Lets just hope there are more charges than I relise and lots of PPI that might reduce it by quite alot :wink:.

Thank you for all your help. My head is just buzzing at the moment trying to fight off all these vultures!:!:

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Hi Gem,

 

No guarantees given here !! But BC tend to be slow to litigate.

 

Hang on in there.

 

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I am also dealing with barclay card credit card, Car limit was 500, few years before and now my remaining balance is over 1100, i understand I am lazy in keeping payments but whenever they put pressure on me i se minimum arrangement to pay them, this also haappened when BC passed my case to Marcers and I made agreement with them paying 15 a month.

can i ask BC to send me complete list of my payment including payment I made via marcers. will this be possible if BC have recors of my payments to marcers.

 

 

Thanks

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Can I reclaim any charges. i only spent around 400 out of 500 limit now I owe them over 1100.

 

Any format of letter available so I can request barclay to provide me full list of account statements from start of my account with them.

thanks

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To Zeeshop,

 

I'll answer your queries on your own thread.

 

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Good luck with your SAR, I am just going through the process with the help of Slick (gotta love that guy) 8-)

 

Thanks Laalinz and you are so right. both slick and andy from the MBNA forum have been a god send dont know what I would do without them.:-D

 

Letter sent to DM ltd. lets hope they back off.

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recieved this today. Please can someone let me know what I should reply. I sent a letter stating I had sent an SAR request to barclaycard but they have obviously ignored that. starting to panic now.

 

Document removed just now as it still showed personal data. 8-)

Edited by slick132
doc't removed re anonymity
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Thanks laalinz.

It just all gets on top of me at times. I also had a recorded letter from the posty but missed him so cant get it till tomorrow and worrying what that is now as well. Not having a good day!

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Hang in there. I am in the same boat, worry about what the postie is going to bring everyday. I always feel better after coming on here, and believe me some of the things DCA write can have you spitting feathers.

 

At least you are not just burying your head in the sand and you are taking measures to sort this out.

 

We are all here to help

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To have such support on here does help alot. I dont know what I would have done without you all infact I dread to think. I am hoping the recorded letter is the SAR responce although I have never had one sent recorded before. just praying it is not another set of court papers!

We will help keep each other strong laalinz we can beat these vultures! x

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