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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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OD added without authorisation, now charges!


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Guest Alison82

I'm writing this on behalf of my partner. He is having some trouble with Barclays

 

Some months ago Barclays made an error with regards to a payment; a standing order can out and later bounced due to the error. Consequently Barclays added a reserve fee on this amount and he was being charges £22 every 14 days, when he opened this accounts less than 2 years ago he specifically requested that no type of overdraft be added to the account.

 

Now Barclays have terminated his account and have reached up about £400 in charges and interest.

 

I'm not sure what the current standing with regards to charges, also the fact that he asked not to have any type of overdraft but they put it on anyway.

 

Does anyone have any advice???

 

Thanks

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Hi Alison,

 

Have a look here, at a case similar to your own - http://www.consumeractiongroup.co.uk/forum/barclays-bank/264067-ukc-barclays.html#post2984884

 

:)

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  • 2 weeks later...
Guest Alison82

Hi, can anyone help me word this POC proplery for the N1 form??

 

Thanks in advance

 

.................................

 

On the XXXXXX I went into Barclays Stratford branch to open an account for me and my partner to use for our rent payments. Unfortunately her passport had expired so I opened the account just in my name.

 

It was at this time that I clearly requested that “no type of overdraft or any overdraft related services” to be added to this account as it was only going to be used for rent payments.

 

The account was being maintained correctly until my partner transferred £490 from her Barclays account to this account. It was at this transaction that an error was made by the Barclays team member and £460 was transferred. This was an unusual amount as we usually added money into the account at amounts of £245 or £490 which was the amount of the cheques we deposited for rent once cleared.

 

As a result of this the rent payment of £1,100 was not paid as it was short £30, I was only made aware of this when my landlord contacted me.

 

I then received a letter dated XXXXXXXXXXX stating that I had to pay £8 for this unpaid transaction. I went into the Stratford branch and paid this £8, I thought that was the end of the matter.

 

As I do not receive statements from Barclays monthly it was over 2 months that I saw a statement from them showing that I was being charged £22 every 2 weeks.

 

It was at this point that I entered into a dialogue with Barclays to resolve this dispute but unfortunately that matter has not been resolved.

 

This dispute and outstanding charges have left a negative effect on me and my credit file. I am currently not working and I am in the process of starting a business which I require funding. This dispute with Barclays means I have been unable to seek funding from high street banks, and I am left at a loss of where to obtain funding.

 

As a token I have been paying Barclays £1 per month

 

I claim

a) The refund of £xxxx in charges into my Barclays account

b) The refund of £xxxx in interest into my Barclays account

c) The removal of any adverse credit that has been a result of these charges since DATE

d) Compensation of £xxxx for the negative effect this has caused to me and my business

 

I believe the contents of this claim are true

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Guest Alison82

Hi can someone briefly explain to me or direct me to the new information regarding bank charges since we lost the court battle. I understand that the unfair angle is not used anymore but what has replaced it??

 

Kind Regards

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Hi Alison82

 

Yes lost the battle but not the war,

 

Just scroll down to FAQ - How do I reclaim my bank charges if they have been misrepresented The Consumer Forums - Welcome to the The Consumer Forums

 

Before you make any claims contact the site team, just to make sure you've got all the info in your claim.

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Hi Alison,

 

Please bear with me as I've had major internet probs tonight.

 

Will come back on this tomorrow.

 

:)

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HGi Alison,

 

Before you whizz off to court with this (probably not a good idea anyway), you must raise the complaint with Barclays in writing and give them the chance to put things right, to your satisfaction.

 

I suggest you write first to Barclays Cust'r Services and briefly point out that the error was caused by them so you want all charges refunded to the a/c.

 

Ask for refund of interest too plus compensation as mentioned in your draft POC above. But I just don't think this is a good case to take into court right now.

 

If they fail to respond adequately in 14 days, escalate your complaint to B's HQ in London.

 

This isn't so much about whether you wanted an o/d or not. It's about them screwing up with the transfer of £460 instead of £490.

 

Have you opened an a/c elsewhere - it may be that B's will not reopen the a/c.

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  • 2 weeks later...
Guest Alison82

Hi sorry for the delayed response. We have already done that, we have sent them letters and they briefly put the account on hold but they don't think they have done anything wrong.

 

We have now sent in a SAR

Edited by Alison82
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Hi Alison,

 

So you've already complained but got nowhere with them. Time to escalate your complaint to Barclays London HQ giving them 14 days to put matters right, or you'll make a formal complaint to the FOS.

 

You didn't say if you have an a/c elsewhere, or whether you want to continue using this a/c if Barclays agree to keep it open.

 

:)

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  • 9 months later...
Guest Alison82

Hi CAG users

 

I'm starting to look into this issue again, but were a bit lost as to do next, we will write to Barclays before issuing an N1 to court but I'm not sure of we should be arguing the fact that a reserve facility was specifically requested not to e put on the account, or a mistake was made on their end, or these are unfair penalty charges.

 

Thanks in advance

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Guest Alison82

Update:

 

We are going to go after the charges but also want some advice regarding the overdraft, I have been reading around and noted that you have to opt out of the reserve fees, he did opt on on sevral occasions and Barlays say this in their notes in the SAR.

 

Does anyone have any advice regarding compensation for Barclays not actioning a request (he requested the removal of the reserve 3 times and once when he opened the account)

 

Help!

Edited by Alison82
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Hi Alison,

 

Even if you opted out of the Reserve system, Barclays would still have charged you if your a/c went overdrawn.

 

Surely this is more about Barclays making the original mistake causing the a/c to be overlimit and not just about the Reserve Usage Fee opt-out.

 

My concern is that your "case" may be seen as one simply seeking a refund because the charges are not fair, even though this is not what you are claiming.

 

I wonder if this would be more suited to a complaint to the FOS. If they fail to get you the outcome you want, then you can still take court action.

 

:-)

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  • 1 month later...
Guest Alison82

Can someone please direct me to the latest template for P.O.C for reclaiming bank charges?

 

Thanks in advance

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there is not one

 

you cant reclaim bank charges as such anymore since the court case.......

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guest Alison82

Really? I was advised to take court action in another post, so what are people doing now, can you point me in the right direction as it has been some years since I claimed back charges, I thought that case was 2007?

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Really? I was advised to take court action in another post, so what are people doing now, can you point me in the right direction as it has been some years since I claimed back charges, I thought that case was 2007?

 

then it would be better to post on that thread then

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guest Alison82

Ok I found this information on MSE incase anyone else needs it.

 

http://www.moneysavingexpert.com/reclaim/bank-charges#step4

 

Reclaiming bank charges from current or closed accounts specifically for busting your overdraft limit, bounced cheques and direct debits was once an open door.

 

You simply threatened to take a bank to court or the Ombudsman and it sent you back a goodwill cheque for six years’ worth of charges plus interest – yet since the result of the widely publicised shock Nov ’09 Supreme Court ruling on the Bank Charges test case it’s been more difficult. Read about why

 

Bank Charges Reclaiming – why it’s been more difficult

 

We believe bank charges of around £35 a pop for going beyond your overdraft, bouncing a cheque or direct debit are unfair, so you should be able to claim back the money you paid out over the last six years or more – often adding up to thousands.

 

In 2007, after banks had already repaid roughly £1 billion, they finally agreed to go to court in a test case against the Office of Fair Trading (OFT).

 

The case looked at whether, under a specific European regulation, it was possible for bank charges to be legally unfair. If so it'd then have been the OFT's job to decide if they actually were unfair - and provisionally it said they were.

 

The banks lost in the High Court and then in the Court of Appeal, showing there was real strength in the argument. Yet in the type of turnaround that can only happen in the law, with a shock decision in November 2009, the new Supreme Court overturned this on a technicality and it was decided that 'fairness rules' didn't apply (see Shock Bank Charges Loss news archive).

 

Then worse was to come, the following month the OFT decided it wasn't going to fight on; having looked at its options it decided it did not think it appropriate to continue (see OFT gives up the fight news story).

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we know all this why are you posting it here?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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