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    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
    • Thank you for relying so quickly! That is what I had concluded was the reality of the situation.. I'm still waiting for the call within my time slot.. I will try to fill this thread with more info, find original letters and show the docs of the pack I was sent, a pack with no real covering letter to show what it was in response to or from whom..
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HFO barclay card help needed


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I am having issues with hfo any advise please! They contact me 12 last month telling me that I owed them money from a barclay card debt. Yes I had a bcard and defaulted 2003 never made any payment since and bcard never chase me. A lady from hfo rang my work address herself as a lawyer acting for me. She ask for my line manager name and number. I told her not contact me at work but she still continue. Two weeks a ago she rang my line manager asking for a statement of earning from our hr. But my line manager refuse to any details. Because I am in RAF and the military takes this thi ga serious my line manager then told my commander office who had me in his office demanding to know what was going on. This lady from hfo also email me a copy of my land registry document and ecopy of my credit file. I have cca them and a complaint letter to them and sar barclay card, also sent a complaint letter to oft and my mp for harassment and reputational damage. Please any advice?

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Hi

 

ONLY send the Statute Barred letter when you get the SAR information back from Barclaycard and can be certain when last payment or written acknowledgement was made. Sending the letter when the debt is not SB could be taken as an acknowledgement.

 

If you have sent a CCA request to HFO and don't receive a valid credit agreement within 12 plus 2 working days, send the Account in Dispute letter which should stop HFO contacting you.

 

Report the harassment at work to Trading Standards via Consumer Direct and OFT

 

TS via http://www.consumerdirect.gov.uk/contact

OFT http://www.oft.gov.uk/

OFT Guidance link

This helps when drafting a letter to OFT

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

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Hot_Pipe have sent you PM so you know where your thread has been moved to.

 

Are you able to scan and post up some of the documents you have received with personal details removed?

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Thanks for your help mate. Since I sent cca to hfo and sar to barclays I still have not recieved any thing from them yet. Still waiting as soon as I recieved anything I will let u know. I have one account here and that's all I ever use here.

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Thanks for your help mate. Since I sent cca to hfo and sar to barclays I still have not recieved any thing from them yet. Still waiting as soon as I recieved anything I will let u know. I have one account here and that's all I ever use here.

 

How long ago did you request SAR and CCA?

 

regards

 

ब्रोकेन अर्रो

Edited by broken arrow

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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When exactly did you send these requests? HFO have 12 plus 2 working days to respond to the CCA requests and the SAR is up to 40 calendar days.

 

Are you able to scan in any of the documents received? This would be a great help. Please remove personal details

 

Have you receied a NOA as DOH asked

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If sent recorded use the link below to check delivery - allow 12 plus 1 working days for the CCA letter. Send Account in dispute letter if nothing received. The SAR is 40 calendar days but they are normally quicker

 

 

Track and Trace

http://track.royalmail.com/portal/rm/trackresults?catId=22700601&pageId=trt_rmresultspage&keyname=ePOD4_track&_requestid=126033

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Hi wonderful people any advice

i sent a cca request to hfo 24 jan still no reply from them, what should I do? I also sent barclays a sar same day as hfo barclay wrote back and saidy they are looking at my request and will get back to me. Any adivice will be graciously welcome.

 

Thanks

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Sned HFO the letter below as they are now in default of your CCA request and as such can not legally enforce the debt until they can produce a copy of the CCA.

 

ACCOUNT IN DISPUTE

 

Date:

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/78. This was signed for as delivered on the **DATE**

You have failed to comply with my request, and as such the account entered default on **DATE** (12+2 working days after you made the initial request).

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become currently unenforceable at law.

 

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collectionlink3.gif which state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows - 2.8

 

(i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued'

 

(k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt'

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

 

I look forward to hearing from you. This should be in writing, I have no wish to correspond by telephone.

 

Yours faithfully

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Your welcome.

 

Just remember to print your name on the bottom of the letter instead of signing it.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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  • 2 weeks later...

Wimbledon monkeys has got nerves to ring me today after they still failed to respond to my cca letter after cca and a complaint harassment letter. I told the lady I do not wish to discuss anything with them on a phone. I remind her that I have communicated to them that I do not wish to be contacted by phone. If she has anything to say she can communicate to me in written format. She went quite and never say a thing.

Guys have I done the right thing?

Yours help are graciously welcome.

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Have you send the 'Account in Dispute' letter you were given in the post above? You must do this, send recorded. If they ring say, the account is in dispute and complain to OFT and Trading Standards as they should not be contacting you

 

 

Trading Standards via http://www.consumerdirect.gov.uk/contact

OFT http://www.oft.gov.uk/

 

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