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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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Barclaycard Visa ***WON*** Refunded with Compound Int't


topcat72
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Im hoping someone can help.

 

I currently have a debt with Barclaycard (amongst others but I'm starting with this one first) going back approx 7 years, which I have a repayment plan for.

 

I am unsure which route to take next in dealing with this. Do I send them a CCA request and aim to get the account zeroed, or submit an SAR and use any charges plus interest to wipe out the debt? the account is still with Barclaycard and hasnt been passed to a DCA.

 

i'm not completely new to this as i did manage to claw back almost £1000 from LloydsTSB in charges, but am not sure which route is most advisable, or do i attack it from both angles?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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nowaday most of the CCA wriggles have been blown out the water

i'd get reclaiming.

 

plenty of threads here and have a look in my sig

SAR first me thinks for all the statements

 

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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thanks for that.

 

i used the SAR route against lloyds and took it as far as filing the N1. they settled with three days to go.

 

barclays here i come :-)

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

You can send off a CCA request but it's certainly not likely to lead to the write-off of the debt.

 

Far better to reclaim all default charges and claim compound interest on top. This could make a decent dent in the debt.

 

Read some of the "WON" threads here for guidance - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

:-)

We could do with some help from you

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thanks.

 

i did have PPI on the account until i started the repayment program, i suppose it makes sense to include a claim for repayment of that at the time i submit my claim for the charges+interst refund? or would that be best made as a seperate claim?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

Start a thread in the PPI forum to d/w this aspect separately.

 

We can help you with reclaiming all default charges and compound interest. Read some of the *WON* threads first, so you see how it's done. If you want to get the max from BC, you'll have to take court action as they'll refuse to refund voluntarily.

 

Ask here when you have Q's.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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when you say "take court action", do yo mean they take it all the way to a hearing, or just until the claim has been filed?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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HI TC,

 

It has recently been the case that BC have settled all cases where CAGgers have taken court action to reclaim charges and compound interest and/or charges older than 6 years.

 

However, you should not rely on this and must be prepared to take any court case all the way to a Final Hearing.

 

Although one would expect and hope that BC will settle during negotiations, you should not start court action unless you're prepared to follow it through.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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im not worried about that, its the same approach lloyds took when i claimed back from them.time to get the SAR issued methinks.....

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 1 month later...

SAR sent off today, including a request for details of any PPI. Barclays imma coming for ya!!!!!

Edited by topcat72

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 4 weeks later...

and got the statements back. works out to £1500 with the interest.

 

however, they havent provided all i asked for. i asked also for copies of my CCA and all statements, not just 6 years.

 

after an hour on the phone they told me they will send me a copy of the original CCA, and that they dont have statements going back more than 6 years, which may or may not be true. as my original letter asked them to confirm that data not provided has been deleted, i spent an hour trying to get them to put that in writing, which they said they will do.

 

i also complained that at the end of the phone call they have agreed to do what i asked for at the beginning, so they agreed to refund me £20 for the call!!!!

 

from other peoples experience, is it likely that they dont have anything more than 6 years old?

Edited by topcat72

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

They DO have data going back more than 6 years.

 

See the BC Stickies. Kate999, Webmaster and others have got info back beyond 6 years.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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thanks slick.

 

looks like an N1 filing gets them to do what i want. dont suppose anyone knows what the fees are for filing a claim of this type where i wouldnt be seeking a financial restitution?

 

not sure if its really worth it though. from what i can remember there werent that many charges, if any, before the period ive already got.

 

and the potential refund from what i have got would more than wipe out the outstanding debt. think ill leave it for now.

 

unless they dont send me the information they promised, then I'll chase it up....

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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From what you say, I think you should forget getting any older data and work with what you have already.

 

If that's enough to clear the debt and give you some pocket money, that should do just fine.

 

There was another case where someone very recently where they got older data without court action. If I come across it, I'll link you to it.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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thanks for the advice.

 

gonna get my Prelim Demand written and sent in the New Year.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

This was the thread I was thinking of earlier - http://www.consumeractiongroup.co.uk/forum/showthread.php?328959-Barclay-card-late-fees&p=3634046&viewfull=1#post3634046

 

However, in your case, I think you should go ahead with the claim and forget about getting data for any possible older charges.

 

In response to your Q's in post #13 above, you would, in fact, seek compensation of a nominal sum (say £100) or at the court's discretion for the bank's failure to supply data which they have and should disclose.

 

The court fee to claim this nominal amount is £30 to file the claim and £25 for a Hearing Fee if the bank did not comply and a Hearing was arranged. These amounts would be reclaimed as part of your action.

 

:-)

Edited by slick132

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thanks for that.

 

got the prelim letter completed and ready to go in new year!

 

quick question, do i quote interest as well as charges total at this stage or wait until LBA or filing papers? and should i include a copy of the spreadsheet with prelim or LBA?

 

i have already been through this with lloyds but it was few years ago and cant remember the intricacies of it all.....

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

Please see the extra 2 para's I've just added to my post above.

 

:-)

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  • 3 weeks later...

have stewed on it for a while, and have decided to take it further.ive faxed their complaints department, and threatened them with ICO and court action after 14 days.am also going to have to wait a while before i start the charge reclaim process, jsut to make sure i have enough to cover the court fees.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

So you're going to try and get the other data from them - let us know how it goes.

 

Re your Q in post #17 above, if you are seeking compound interest in restitution on top of credit card charges, you would claim that from your Prelim letter onwards.

 

If you are seeking simple 8% Statutory Interest, you can only claim this when you file your court claim.

 

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decided to ring to ensure my complaint had been received.

 

i rang the usual number just to make sure the complaint had been received, and the first muppet said he was going to put me on hold. then cut me off.

 

second muppet said they would investigate and ring me back. and guess what? yup no call back.

 

so i plucked a number at random from the internet and rang it. got through to a UK call centre who couldn't help BUT gave me a number of the UK Barclaycard Customer Relations Centre, who were brilliant.

 

they have registered a complaint, and are going to listen to the call recording. whilst not actually getting them to agree to anything, they were helpful, friendly, listened and actually understood not only my problem by all of the stuff the normal muppets didnt have a clue about.

 

and the magic number is 0844 556 0104.

Edited by topcat72

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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I hope it transpires that this phone call is useful.

 

However, experience shows that talking to them rarely gets the result you want. Keep it in writing whenever poss.

 

I hope I'm proved wrong in your case.

 

:-)

We could do with some help from you

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  • 2 weeks later...

the phone call actually had a result!i

 

got a package yesterday that contained a full Data Protection Record showing everything they hold on me on the computer systems

(things like statement dates, records of calls, records of letters), and it all goes back to the date the account opened.

 

there is also a list that shows what information has been deleted and when, and this shows that my stamenents were delete in turn as they move doutside the six years date.

 

there is also a letter that explains what all the abbreviations mean, details of what they do with the data, and a copy of the current T&C,

which im assuming is their attempt at providing my CCA.

 

they also provided copies of every letter they have ever sent me.

might have a proper look at the deletion record, see if there is any mention of the original CCA on it.

 

now just gonna wait until i have my court fees togethor, then gonna grab back what they owe me.

Edited by topcat72

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC,

 

We know that BC probably still have the older data. It may not be stored as copy statements but it IS still available to them in one form or another.

 

Do you want to try and get any older data, or are you content to seek a refund of charges and PPI plus interest, based on data for the last 6 years.

 

It may help you to decide if you put all the default charges on this spreadsheet - http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

Change the interest rate to 24.9%.

 

Let us know roughly how the charges refund and interest compares with the balance showed as owing on the a/c.

 

Do you have a separate thread to deal with reclaiming PPI yet.

 

:-)

We could do with some help from you

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the total charges with interest works out to be almost three times the outstanding balance with interest added.

 

havent yet started started a PPI thread, will need to read up on it first.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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