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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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Barclays Bank unable to find accounts for PPI - even though paper evidence has been provided to them


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I submitted my PPI complaints to Barclays on 19th May 2011 and 6 months later I am still no further forward. They initially responded on week 17 to state that they couldn't trace any policies in my name and therefore didn't uphold my claims but luckily I had SAR'd them 3 years earlier and had the policy numbers and screenshots to prove I had taken out insurance. I then rang back the day after and it then took them a further 6 weeks to reopen the claims (end October 2011). They told me last night that I my claims are unusual in that they are having trouble tracing the policies (despite providing them with references). I have referred the matter to the FOS but apparently they are taking 6 months to respond?? Will they have to uphold my complaint if they can't find the paperwork even with the references?

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I submitted my PPI complaints to Barclays on 19th May 2011 and 6 months later I am still no further forward. They initially responded on week 17 to state that they couldn't trace any policies in my name and therefore didn't uphold my claims but luckily I had SAR'd them 3 years earlier and had the policy numbers and screenshots to prove I had taken out insurance. I then rang back the day after and it then took them a further 6 weeks to reopen the claims (end October 2011). They told me last night that I my claims are unusual in that they are having trouble tracing the policies (despite providing them with references). I have referred the matter to the FOS but apparently they are taking 6 months to respond?? Will they have to uphold my complaint if they can't find the paperwork even with the references?

 

So is this now with the FOS or is B/shark still handling the complaint ?

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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It's still with Barclays. Have had no response from FOS yet (sent 3 weeks ago).

 

Did you send the complaint to the FOS by way of either email or a tracked method of posting?

 

How old is this account/policy and was it a credit card where there would have been a monthly premium or a loan (single premium) ?

 

I have asked someone to look at your original question.. but it might be a good idea if we start a specific thread on this. I will sort that out 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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Hi CAG Forum

 

I have just noticed this post whilst looking up information to challenge Barclays. I have received a letter stating that they cannot locate a policy in my name. At the same time I am also looking to challenge their previous letters (from some years ago) that my data is held on a microfiche and cannot be easily acceptable.

 

Any help with either of these problems would be a real bonus.

 

Successfully claimed from Santander and MBNA.

 

Thanks

 

Homerisright

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Hi CAG Forum

 

I have just noticed this post whilst looking up information to challenge Barclays. I have received a letter stating that they cannot locate a policy in my name. At the same time I am also looking to challenge their previous letters (from some years ago) that my data is held on a microfiche and cannot be easily acceptable.

 

Any help with either of these problems would be a real bonus.

 

Successfully claimed from Santander and MBNA.

 

Thanks

 

Homerisright

 

Hello Homer, have a read of the thread linked below, it should help you challenge the microfiche issue with B/shark.. if you have any further questions in respect of your situation, can I suggest you start your own thread :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?50148-Barclaycard-amp-Microfiche-they-are-wrong-OFFICIAL

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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Hi Challenging

 

Dropping in as requested by CB.

 

So you have the solid evidence of these policies and the reference numbers. If they show a clear link to the account then in my view it is the lender's problem that they can't find documentation.

 

In your SAR did you get any transaction history on the account(s) from which this PPI was taken?

 

ims

 

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Hi Yes, I wrote to them a few years ago requesting a full summary of all details held on me. They replied to me and included screenshots of all of my accounts and in addition to the policy numbers there was an insurance taken out indicator Y/N, marked yes. There was a transaction history for the loan and mortgage accounts including date taken out, amount borrowed/paid etc but not a breakdown of the individual insurance amounts. Think they have obviously traced the agreements but suspect they are having trouble in providing evidence that the policies weren't missold.

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