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    • Items for sale include five rare Ferraris and a pair of Air Jordan sneakers signed by Michael Jordan.View the full article
    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
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    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
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Barclaycard PPI-Denied as ppi was taken out prior to 2001!!!!


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Interesting but, sadly, it is not surprising.

 

Have you sent them the LBA yet.

 

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Hi Slick, yes we have, it ran out yesterday/today, and have heard nothing. I have a pack up ready to go back to UK tomorrow with a friend, to be sent recorded delivery to the ICO. Court not an easy option for us as we live overseas.......

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When did you put in your complaint? Ours is sitting with FOS, as they denied it, and I quote; "We were unable to find sufficient evidence to support your claim"! Is the story on here? Thanks though, def positive news!

 

I put in my complaint in Nov.2011 and got the reply just last week after 3 update letters. accepted the claim, i did not have to supply any statements eventhough i had some from 2001, They calculated themselves and its the amount I can not ague with over15k.Thanks God.

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  • 2 weeks later...
  • 4 weeks later...

Don't know what, or if, it means anything, however just checking our bc statment online, we are now 10 pounds in credit. A payment, called "Cr Tele/Postal Exp CS " for 10 pounds has been made into account. No idea what it is, however the only thing I can think is that it is BC refunding the 10 pound postal order we sent for SAR, which they still have not complied with. Anyone have an idea? If it is the refund, wonder why they are doing that now?

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Don't know what, or if, it means anything, however just checking our bc statment online, we are now 10 pounds in credit. A payment, called "Cr Tele/Postal Exp CS " for 10 pounds has been made into account. No idea what it is, however the only thing I can think is that it is BC refunding the 10 pound postal order we sent for SAR, which they still have not complied with. Anyone have an idea? If it is the refund, wonder why they are doing that now?

 

 

Have you made a Subject Access Request recently ? If so, then they have credited the £10.00 legal fee to the account.

 

Have they not complied with the SAR ?

 

Is there an outstanding balance on this account, if so, and you were near statute barred (no payment for 6 years) then you need to make sure that you keep a note of this date so they cant claim that you have restarted the SB clock.

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

Uploading documents to CAG ** Instructions **

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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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  • 2 weeks later...

Hi Citizen B, We did do a SAR, and only got six years of statements, nothing else, wrote again, and have since lodged complaint with ICO. So you thin this is them refunding the 10 pounds? How funny, we didn't ask them for that back yet. No, card balance 0, never not paid, etc, so not a worry that side of it. Funny thing is, received another package from them yesterday in answer to SAR, however exactly same letter, and again only statements, although I was laughing as is three months since last sent, so we have moved three months with the statement dates.....boy, those banks must be destroying records as soon as they reach 6 years and one month...lol...not!

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Yes, I rather suspect that they have refunded the SAR fee into the account. If at any time the question of statute barred ever occurs then you will need to have a copy of that because it is a "gift" and not a voluntary payment :)

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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You should perhaps have a look through the PPI success forum. I am sure there must be some Barclayshark successes in there :)

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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  • 2 months later...

There have been loads of successes via Financial Ombudsman - around 65% of those complaints rejected by the Bank have been reversed by the FOS.

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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  • 8 months later...

Well, almost 13 months to the day since we referred the case to FOS and....NADA!!!!!! Have just emailed them again to ask if our case has even been assigned to a case worker yet???? This is very frustrating! HAs anyone else's case with the FOS taken this long?

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Well, almost 13 months to the day since we referred the case to FOS and....NADA!!!!!! Have just emailed them again to ask if our case has even been assigned to a case worker yet???? This is very frustrating! HAs anyone else's case with the FOS taken this long?

 

I can't say if anyone has taken this long but hang on in as my case was "successful" - sort of - and my ppi started in 1989. BC are paying it back after FOS intervention. However I was told I'd have an offer by early jan and strangely I'm still waiting. I find it oddly amusing that the part of BC dealing with PPI payouts has no telephone no. even within barclays itself.

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Hi Scoobied, thanks for some partly positive news! Hod di you get them to go back to 1989, did you have the statements, or did they end up producing them? How long did your case take, ie when did you log it and when did you hear back about it being upheld? Sorry, lots of questions!

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Yes, there are a lot of people who have been waiting a long time - in excess of 2 years in some cases. I understand the FOS are recruiting at the moment, although why they didnt do it sooner, is beyond me.

 

There have also been quite a few success stories where PPI was taken out prior to the date you are claiming.

 

Co-op PPI
link3.gif
Success going back to 1995

 

http://www.consumeractiongroup.co.uk...-**WON**-%A33k

 

 

 

Four years but got there in the end

 

http://www.consumeractiongroup.co.uk...**-SUCCESS-***

 

You will find loads more in the PPI success Forums

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?88004-PPI-Successes

 

 

 

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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Well as I said I'm waiting to find out what the offer is - the FOS have said it should have been with at begining of Jan and BC say its with this telephone free dept. So I'm in a waiting situation at present. However FOS have said it should include payment for the years of no statements available and it appears a calculation is made on your last few statements of PPI - in my case in 2005 - and then this is averaged out and run backwards incrementally deceasing to zero on date PPI was taken out. I'll let you know how I get on as BC have 12 weeks to resolve this so I should be sorted by mid Feb although I doubt that

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Wow, so a bit of an update, emailed FOS a week ago to see where our case was at, no reply, so bit the bullet and called them today. After looking at our case, they asked if they could call us back, they did, and it turns out BC upheld our complaint in last April (!!!!!!!!!!)...but FOS have not got back to us. Quite the opposite, I emailed every two months for an update, and even early Dec was told in reply that it was still waiting to be assigned to a case worker!!!!!!!!! So not happy. Am waiting for a manager to call back.

 

How do I complain about the FOS???????

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If you go to the FOS website, you will find they have a complaint process for complaining about them. It will be an independant assessor.

 

B/shark themselves should have contacted you with their offer !

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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