Jump to content


  • Tweets

  • Posts

    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Barclaycard PPI Question


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4025 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i recently submitted a PPI complaint to barclaycard, using the following conditions are reasons for my complaint:

 

• I was not asked about any pre-existing medical conditions I suffered from.

 

• I was led to believe that taking PPI was a pre-requisite for opening an account

 

• I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments.

 

• You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

 

• It was not explained that the PPI would not run for the full term of my loan/credit accounts.

 

and received a final response saying that they are happy that i "positively selected" the type of cover i required, and that all information they provided to me at the time was sufficient to answer each of my points.

 

however, as a result of a SAR, i received a copy of my original application form, and the wording on the PPI section is as follows:

 

6.. Optional benefits

Barclaycard Payment Protection

Dont Sign Up without it!

[ ] Yes, please can i apply forBarclaycard Payment Protection

 

 

"Dont Sign Up Without it!" to me seems like an instruction, and could be construed as being compulsory when making the application. do i now pursue my complaint on these grounds with the Financial Ombudsman?

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

Link to post
Share on other sites

thanks for the prompt response!

 

i think i'll actually do both, just in case they decide to get snotty and not enter into further correspondence.

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

Link to post
Share on other sites

forms filled in, printed and in envelopes ready for a trip to the post office...

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

Link to post
Share on other sites

Hi TC,

 

Watching progress on this thread ............

 

:wink:

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 !:-)

Link to post
Share on other sites

just a quick question while i wait for BC to pull their finger out...

 

if BC decide to ignore my letter, and let the ombudsman deal with it, whats peoples experience with how long this would take?

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

Link to post
Share on other sites

just a quick question while i wait for BC to pull their finger out...

 

if BC decide to ignore my letter, and let the ombudsman deal with it, whats peoples experience with how long this would take?

 

How long is a piece of string?

 

Maybe a year or more sadly

 

ims

 

Link to post
Share on other sites

If you've quantified your PPI claim and are happy with your figures, the best way forward is to take BC to court.

 

From what you've said on your Barclays thread, you may qualify for court fees remission.

 

The FOS will take more than a year and will not fight for you to get back the best interest that you may get with a court claim.

 

:-)

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 !:-)

Link to post
Share on other sites

thanks.

 

ill start the normal process then (i.e. 1st demand, LBA and then file).

 

is there a particulars of claim template for PPI? ive used the bank charges one before but havent seen a PPI one.

 

and whats the time limit on how far back you can go with this? can i ask for all PPI payments made, or is there a six year limit the same as there is with bank charges?

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

Link to post
Share on other sites

Hi

 

If you look in the PPI stickies you will find information on PPI via the court route.

 

You need to bear in mind that the onus of proof of mis-selling will be on you as the claimant ( on the balance of probabilities for County Court)

 

Also be aware that if you lose in court you cannot then go to the ombudsman but if you go to the ombudsman and lose then court is still open to you.

 

S32 Limitations Act 1980 is what you would use to get over any six year limitation argument and this is discussed in the PPI stickies as far as it relates to PPI claims in court.

 

ims

 

Link to post
Share on other sites

i think ill send out the 1st demand and LBA and see how they respond before making the final decision actually filing.if they are working in the same way as they did with my charges refund they may pay out before i have to even file.

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

Link to post
Share on other sites

  • 2 weeks later...

Hi,

Just been down the same route with Barclaycard and went to FOS around October/November last year. FOS kept me informed, usual letters that they are inundated with ppi claims but would get back to me soon as poss. Just heard on Monday that i am getting my claim so thats around the 6 month mark. Not too bad in my case but i know some people have had to wait much longer than this.

 

Delilah

Link to post
Share on other sites

thanks for the info, much appreciated.

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

Link to post
Share on other sites

  • 1 month later...

Just had a letter from FOS saying it could take up to a year to sort out.

 

Oh well, I can wait.

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

Link to post
Share on other sites

  • 1 month later...

The Barclaycard customer relations department will keep you waiting even if when you accept their offer.

 

Despite these claim companies advertising completing the claim in 8 weeks it's the biggest load of bull hit.

 

Ive started back in November 2011. I finally got an acceptance form from Barclaycard 2 weeks ago apologizing for the delay and copy written to suggest "we now want to resolve your complaint as soon as possible".

 

After a call to them after accepting a week later they pay out 21 working days later.

 

As far as I'm concerned they are the biggest bunch of shysters

Link to post
Share on other sites

Hi All,

I will be at week 10 on Friday. FOS say they have 8-10 to respond now. Im p***** off waiting but nothing else i can do about it but wait. Thought i was doing ok with the FOS dealing with mine quite quickly but Barclaycard are dragging their heels and prolonging the agony.

 

Delilah

Link to post
Share on other sites

Hi All,

I will be at week 10 on Friday. FOS say they have 8-10 to respond now. Im p***** off waiting but nothing else i can do about it but wait. Thought i was doing ok with the FOS dealing with mine quite quickly but Barclaycard are dragging their heels and prolonging the agony.

 

Delilah

 

You need to ask fos where this 8 to 10 weeks business has come from.

 

If you have passed you cars to fos then you might well be in for a long wait but the initial investigation by the lender ha an 8 week time limit on it.

 

All concessions for extension of time were removed at the beginning of the year and I have found no evidence or announcements that the FSA have granted further extensions.

 

Link to post
Share on other sites

Hi again,

FOS emailed me asking me to fill out a survey about my PPI claim. I emailed them back to say i couldnt do the survey as i had still not heard from Barclaycard with their offer of settlement. They replied " due to the high number of PPI complaints it is now taking the business 8-10 weeks to calculate the redress". I should have stated the FOS are dealing with my complaint after Barclaycard refuse to cough up initially.

 

Delilah

Link to post
Share on other sites

Ahaa,

 

That explains it !!

 

:wink:

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 !:-)

Link to post
Share on other sites

  • 9 months later...

have finally received a response from the FOS, and Barclaycard have offered to settle. it doesnt say the FOS have upheld my claim, and it doesnt say how much barclaycard are offering to settle.

 

apparently i have to agree to the offer, then i will find out how much they are offering.

 

im planning on accepting, and that will mean i have won every all of my claims for charges refunds and PPI refunds.

 

and the help on here has been invaluable.

 

thanks guys!

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

Link to post
Share on other sites

Hi TC and this is sounding better now for you.

 

I just don't get how you can agree to anything until you know what is actually being offered and how that is calculated.

 

However, to avoid further delays, tell the FOS you are happy to accept the offer, subject to seeing and agreeing the calculations of how the offer is arrived at.

 

:wink:

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 !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...