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    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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Wescot/Barclays


Scootmatt
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Im going to ignore wescot.

 

The money I owe Barclays is from an unauthorised overdraft therefore most of it is charges. They closed the account a couple of years ago and I have a red default marker on my credit rating which I want to get ride of.

 

My plan is to get the SAR info from Barclays , work out exactly how much I actually owe them minus all the charges and offer them some or all of this amount. I will use the fact that they didnt respond to my first SAR request to my advantage.

 

Sound good ?

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i would just offer what you see resonable and get the account closed :-) but thats me anything for an easy life. dealing with barcleys on a daily basis i know that trying to get this defult removed from your file now is very rare and I think you would have a very small chance if any of getting this done. I would offer the settalment when the acc is with them as i actualy work for a DRC and know when it gets to passed to some other companies 50%+ settalments are not as easy to come by as they are with wescot x

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Apologies for jumping in Scootmatt,

 

I would like to ask our Westcot representative a brief question; Westcot have informed me a collector will visit me in a few days. I replied via email saying certainly, please come early evening. What will be the response from your employer when I throw the idiot through my fence (joking!) but will certainly give him 5 seconds to bolt or leave bits of him behind! I assume the fools employed to collect via doorstep are on commission only. Bye the way, I am doing this both for amusement and simply to waste Westcot's time!

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Scootmatt, go with your first choice, ignore wetcloths, they and the rest of their buddies are merely deluded children trying to make a name for themselves in their playground, as for Sharklays, it is them who you need to be dealing with direct, again NOT over the phone, in writing ONLY as this will provide you with a paper trail of evidence, whatever, they or wetcloths or any other interested party in this matter wants to say can be committed to writing.

 

Keep a close eye on the time limit they have to respond to your SAR, and yes yours does sound like a perfectly legitimate and feasible idea, pay them ONLY what you owe, dispute the rest if it is all charges.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well in a previous letter to me they acknowledged my letter was sent on the 18th of Feburary so I am guessing that the 40 day period starts from then ???

 

If this is the case then THEIR TIME IS UP !

 

What do I do ? Who do I tell ? Do I wait a few days just incase the postman is having the day off ?

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Send them a Letter Before Action (LBA)

 

Telling them that they have failed to adhere to the time limit laid down and that you will allow them a further 14 days in which to reply to your request, before you complain to the ICO and have them investigate on your behalf.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just got home from work and low and behold a big fat parcel from barclays waiting for me damn !

 

Also a letter from Nelson guest and partners solicitors ( I am guessing they are part of wescot ????) I have informed wescot on more than one occasion that the account is in dispute are they breaking the rules by continuing to contact me ?

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Yes NGP are wetcloths IH sols.

 

Technically they aren't breaking any rules or laws, just willy waving and being a pain in the back side. Just continue to file their missives, and start looking through your parcel...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ok well I have done some maths and if my working out is correct and I remove all the charges (not the interest and account fees just the charges) then Barclays actually owe me money !

 

Does anyone mind if I summarise my maths just to make sure it all makes sense ?

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Ok thanks ,

 

The plan is to find out how much I actually owe them minus any charges.Just to be fair I am willing to pay any account fees and interest encored.

 

From the 26th of March 09 until the account was closed and a default issued on 8th of March 10 my account was overdrawn without authorisation. During this time direct debts came out of the account but I also paid money in to try and clear some of the debt.

 

During this period the most I ever owed the bank was £646.98p , this was on the 1st July 09.

Obviosusly charges were added between the 26th up until the 1st of July so I deducted these charges which gave me £410.98p

 

Now if my thinking is correct the actual amount I owe Barclays minus any charges is £410.98p.

 

Next I added up all the money I paid in during the period between the 26th of March 09 until when the account was closed in March 2010.

The amount of money paid in totalled 456.58p a difference of £45.58p !

 

So instead of me owing the bank £420.30 like they claim if I remove the charges they actually owe me £45.58p.

 

Does this look correct ?

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Hi Scoot

 

Well that all looks fine and dandy, but i'd await the response of a experienced gager prior to informing Lloyds of your actions, or in this case the 'lack of them'. Well done to you.

 

Mr

Regards..Mr Worried :)

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Ah hang on I knew it was too good to be true !

 

I had forgotten to add the interest and account fees for the period between July the 1st 09 and when the account was closed in March 10.

 

The Interest and fees total £52.08p which brings the grand total up to £463.78.

 

Deduct the amount I have already paid in (£456.56) and you are left with £6.50.

 

So it looks like with all the charges deducted I actually owe them the huge sum of six pounds and fifty p.

 

I am guessing this isnt making sense to a lot of you !

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Heres a copy of the letter I am planning on sending to Barclays please let me know what you think.

 

 

Dear sir/madam

 

I am writing to you with regards to my defaulted bank account. According to the bank statements you supplied me and the countless harassing phone calls and letters I have been receiving from Wescot debt collection agency I owe you (Barclays bank) £420.30.

 

During a period between March 2009 and March 2010 I lost my job and fell into financial hardship this in turn caused my account to fall into arrears in the form of an unauthorised overdraft.

 

As you can see from my records, on a couple of occasions I tried to set up a small overdraft to cover me should something like this happen. These applications were denied. You can also see from my records that I made attempts to clear the un-authorised overdraft often paying money into the account that would otherwise have been spent on food.

 

After looking through the statements and information included in my subject access report it has come to my attention that a high percentage of the money you claim I owe is the result of charges. These charges made paying back the money even more difficult and daunting as the amount kept growing even though I was paying money into the account.

 

The total amount of money owed including account fees and the interest incurred but minus any of the charges is £463.06p. The total amount of money I paid in to the account during the period it was in arrears is £456.56, £6.50 less than the amount owed.

 

As you can see there is a vast difference in the amount owed when the £364 worth of charges are removed. Even in my poor financial state I would have been able to afford to pay the £6.50 I actually owed, balancing my account and saving me from the harassment of the debt collection agency.

 

I am now in a situation where I am able to clear this debt and restore my credit rating. I do not however think it is fair or just that I pay you over £300 worth of charges when the amount I actually owe is only £6.50.

 

I enclose a cheque for £6.50 and trust that you will accept this as full and final payment of the debt.

 

Yours faithfully

 

 

 

M

Edited by Scootmatt
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DON'T SEND THE CHEQUE!!

 

Just send them that letter, stating that by your calculations you only owe them £6.50, if you do not hear anything from them further to dispute this, then you will pay them that amount and will deem the matter closed.

 

All they will do otherwise is cash the cheque and continue to pursue you for the remainder.

http://www.lloydstsb.com/contact_us/complaints_procedure.asp

 

There should be an address on the link above to send your letter to.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ahhhh! Good ole Sharklays, they have managed to get themselves to the very top of the banking industry's complaints list! So one more won't make a scrap of difference to them, poor sad sorry shallow souls.

 

http://www.barclays.co.uk/ContactUs/Howtocomplain/P1242558122337

 

Demand they either resolve the dispute immediately OR send you a "Deadlock" letter so you can escalate your complaint to the FOS.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 months later...

Well its been a few months now and I still haven't heard anything back from them BUT the letters from wescot have stopped.

 

Should I write to Barclays and ask why they have not replied to my letter ?

 

Im guessing they are just sitting back and hoping that I pay up to clear my credit rating.

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Don't care about my flipping credit rating anymore... I will never ever loan money in any shape or form again.... I just love the little darlings when they say ( your credit rating could be effected, what your joking I am a bigger risk than Ireland and Greece put together.... me triple AAA is now a quad ZZZZ ,,,, Do they really think I would worry about that..!!!!!!!!!! yo

[sIGPIC][/sIGPIC]Happyhippy1959

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