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    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
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Barclaycard claim advice


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Advice please, i have sent one SAR off to another company, and getting more of an idea what is involved,However i want to SAR Barclaycard next, on the SAR Template i am using, it states payment protection insurance, ==PPI However with Barclaycard this is referred to as 'accident Death cover', and also on Woolwich, ' Death Accident cover'.i am assured these are PPI, under a different name) My question is, should i leave the PPI as mentioned in the Template. or add or refer to Death or Accident cover to the Template, or leave it as (info required) re-PPI ? Regards Ro

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You could leave it as it is, or qualify it by adding "or any other insurance protection plan"

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Well the letter came today, another one i have been dreading, from Barclaycard,who i have been paying token payments to, which they accepted, plus they very kindly froze interest. thier threat that i will be unable to obtain credit in future, does not make any difference to my situation, i am retired, 68, suffering from ill health, mentally. and do not want anything to do with any loan sharks in future, the fact is i would have been in a far better position financially, had these once respected firms not taken my money under false pretences, i-e=PPI and charges.etc.

 

However they also say they have handed this matter to Mercers.am i correct in thinking that i do not deal with Mercers, But continue with barclays? And that my next step is to sar barclays?Once again i apologise for block posting, i cannot add line spaces etc, any help with this would also be appreciated, Regards Ro

Edited by citizenB
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Oh dear, the old thread of passing you on to Mercers.. Mercers are Barclays.. they use loads of trading styles..

 

Barclays - Barclays Credit Card = Mercers = Calders

 

Mercers will have now pressed button A and the computer will churn out threatograms by the dozens.

 

If you it the return key a couple of times rather than one.. (or 3 times if you are already hitting it twice) you might get the spacing for paragraph. I think quite a few people experience this problem. I dont know why :(

 

Have you started your reclaim for the PPI ?

 

Your SAR should be sent to Barclays, yes.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thankyou Citizen, i have been waiting for 2 replies to SAR for lesser amounts and older accounts. so that i could familiarize myself with the process, i will SAR barclays now, in order to start reclaimingPPI interest charges, etcRegards Ro

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  • 3 weeks later...

Well in hindsight, Barclaycard should have been at the top of my Re-claims list! (2 other claims going on in early stages but this for me is a learning process, and i am particularly slow just now) This lot have passed my dept on to Mercers, And they in turn have issued a DN, All i need, feel dreadfull. i have been waiting since May to be referred to the head mending Doctor,(long delay) So went back to my own Doctor, who has written a To whom it may concern letter explaining my illness, for me to send to my creditors, But it looks like i'm too late with this lot, they are not interested in any problems i may have. They have ripped me off with PPI and charges over many years, without which i may have reaped some benifit from being S/E. yet they put me in default! Time to SAR asap,Ro

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Oh dear, a Mercers Default notice.. erm.. sorry.. Only the ORIGINAL creditor can issue one of those.. so just file it and dont worry about it.

 

Lets see what they send you back in your SAR then we can get reclaiming those PPI premiums and charges :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 months later...

Thankyou for reply CitizenB. bit of an update, following poor heath--Well some good news, I thought, all of my credit cards debts have been agreed with token payments and all interest stopped, I think this is as a result of the mental illness I am suffering from, on this basis, my thinking is = while I am still ill, I will not try to chase them for mis-sold PPI. overcharges etc. as they appear to be understanding of my problems, when I am able to better cope in the future, I will claim my money they fraudulently obtained back! I don’t want to rock the boat by doing so now! However Barclays wrote today to say they have agreed to transfer my dept to a company called IDR Finance UK.ltd, This has thrown me a bit, I don’t understand this. Could this mean this new company will chase me for more money now? Any advice please. Thankyou Ro

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Thankyou for reply CitizenB. bit of an update, following poor heath--Well some good news, I thought, all of my credit cards debts have been agreed with token payments and all interest stopped, I think this is as a result of the mental illness I am suffering from, on this basis, my thinking is = while I am still ill, I will not try to chase them for mis-sold PPI. overcharges etc. as they appear to be understanding of my problems, when I am able to better cope in the future, I will claim my money they fraudulently obtained back! I don’t want to rock the boat by doing so now! However Barclays wrote today to say they have agreed to transfer my dept to a company called IDR Finance UK.ltd, This has thrown me a bit, I don’t understand this. Could this mean this new company will chase me for more money now? Any advice please. Thankyou Ro

 

 

Ro, in theory, the new company should introduce themselves and then continue with the repayment plan you have in place with B/shark. Let us know if you receive anything from the new guys and we can take it from there.

 

The banks are offloading all their, what they call, delinquent accounts, in order to make their books look good. They receive a tax write off and of course the monies from the DCA for the debt purchase. Then when they put in their requests for huge bonuses for the top guys to the shareholders.. things dont look so bleak for them !!

 

I cant remember, are you managing your own DMP or do you have a company/charity doing it for you ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you actually sent off the Subject Access Requests ? If not, I would start to do that, so that when you are feeling better you can get stuck straight in :)

 

If you had sent off the SAR to B/shark, then I would say that is another reason they have decided to move on your account. :(

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you so much for reply citizenB, I am using CCC.S who kindly did a I&E form, some months ago, and BC. said they would accept this, as did my other creditors, including freezing interest, so that is a relief, I don't have it in me just now to try and re-claim PPI, back from anyone, perhaps later in the year hopefully, I feel it is so wrong that it is down to the victim to reclaim what has been [Edit] from them, yes I did SAR to BC last September, my claim goes back to 2001 when they were the Woolwich I will reply again when I know the intentions of IDR Finance, and hold back on anymore SAR's for now, in the hope i dont get more transfers done, though i'm not sure what is best course,if BC move my debt on am i right in thinking i still claim PPI from BC? or have i made a mistake sending them a SAR when i was not in a state to follow it up immediately? Thanks again,Regards Ro

Edited by ims21
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Thank you so much for reply citizenB, I am using CCC.S who kindly did a I&E form, some months ago, and BC. said they would accept this, as did my other creditors, including freezing interest, so that is a relief, I don't have it in me just now to try and re-claim PPI, back from anyone, perhaps later in the year hopefully, I feel it is so wrong that it is down to the victim to reclaim what has been [Edit] from them, yes I did SAR to BC last September, my claim goes back to 2001 when they were the Woolwich I will reply again when I know the intentions of IDR Finance, and hold back on anymore SAR's for now, in the hope i dont get more transfers done, though i'm not sure what is best course,if BC move my debt on am i right in thinking i still claim PPI from BC? or have i made a mistake sending them a SAR when i was not in a state to follow it up immediately? Thanks again,Regards Ro

 

Hi ro

 

Sorry to hear about your situation....I do hope you continue to get stronger and I wish you all the best.

 

Don't worry about not following up the SAR...the important thing is your improved health.

 

When the time comes it will be Barclaycard you go for even though they may have sold your debt on.

 

Best wishes

 

ims

 

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Oh hello ims, nice to from you, thankyou for that, my problems relate to a very wierd childhood (apparently) so many years ago it's rediculous really! but i am definately making progress, thanks to the help i have had from citizenB and yourself today.i can switch off from it, i plan to just take my time for now, Best wishes Ro

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As long as you get yourself fit and well again, that is all that matters. You know you dont need to stress out.. Someone will always be around on CAG to advise.

 

When you are stronger, then you can hit them where it hurts in their bank balances :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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