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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Barclays debt they want more -Advice please


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Sorry for this but need some advice please.

 

Barclays have said we need to contact a Debt Agency as we owe them over £300 and £10 a month will take to long to pay them.

They have suggested CCCS and Payplan but am unsure if one is better then the other?

 

Barcalys asked if we could pay more then the £10

but as we explained to them we on benEfit (JSA ) and have to pay

rent of £40,

Electric of £25,

Gas £25 ETC

as well as other debtors.

 

Thank you in advance for any help/advice,

sorry if this posted twice,

 

having a few PC problems

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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CCCS will normally only be able to take on the case if you have a salary. I don't know about PayPal.

 

Contact them anyway, they will send you a lot of helpful information.

 

To be honest, Barclays should really be able to put you on a temporary payment plan with the assumption you'll be back in work as you're on JSA.

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thanks forum, we were supposed to be paying them back at the agreed rate of £10 a month but they seem to think it is not enough and asked us for more, they have put out account on hold for two weeks and if they do not hear from us they will then close our account,we have JSA going in on Tuesday but was told that will be ok for us to have

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Assuming you're already set up to do counter debits then yes you'll be fine - providing someone doesn't get trigger happy and close the account early. It's unlikely but it does happen.

 

The thing is, you can't just carry on paying £10 a month, it's not 'allowed' and is drilled into their advisors during training. Just because your personal circumstances haven't changed, they'll still push for more money, as if everything else stopped costing so much.

 

Continue making payments and you should avoid further action, apart from the impending account closure of course. I suggest you speak with another bank and have a basic account set up. I have seen recommendations for a co-op Cashminder, if that's any use. Have your JSA details changed to your new bank ASAP or you'll be out of money.

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thank you, have spoken to payplan now and we are looking for a basic bank account but most want a monthly fee

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Hi,

 

If you have no dealings with the Co-Op you can get a basic cashminder account.

 

It would be best to go into a branch for this and do not ask for an overdraft.

 

You get a debit card with this account and online banking.

 

Even with bad credit you will get this account.

 

Great little bank account.

 

Regards,

Stormski

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You must specify your intent to open a Cashminder account. If they attempt to open a current account, not only will it be declined but it'll mark your credit file as a search.

 

Also, DO NOT let this account go overdrawn. You will be shut down after three occasions.

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ok thanks, there is no co-op bank here as we live in a village in the countryside and have one bank,Barclays.We do have tow co-op 's though, a largish super market and a smaller one and we have a membership card with them

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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The Co-op have merged with Britannia. You can open an account there, and pay in through their counter. If you've got a Britannia branch i'd recommend looking into it.

 

The co-op stores won't be able to help you i'm afraid - however, I did hear they may be trialling in-store banking. Probably a long shot. They used to do it years ago with something called "handy banks", but even cash credits took up to seven days. The newer branches will of course be instant, should they be installed.

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Hi,

 

Well it is still worth trying to get to a Co-Op branch to make sure that they are going to try and open the 'correct' account.

 

Also, once it is open..you can pay money in at a post office ( and withdraw ) as well as at ATM'S.

 

As advised above..it is a good idea to keep a diary of what is in the account as it does tend to take a few days for the online banking to update with the correct figures...and you don't want to be falling into an unauthorised overdraft ( even though they should really never let this happen...bit sneaky ).

 

Regards,

Stormski

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will bear all this in mind, we have to rely on public transport right now and that is a diabolical! every 2 hours if we are lucky, I know there are more banks in Ely which is our nearest town and failing that it means a 2 hour trip to Cambridge,the joys of living in the country!

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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You can open a Cashminder over the phone. I don't know what the process is to have your ID verified, possible sending copies of letters, passport or something like that.

 

I forgot you can pay cash into the post office. Cheques too, but it takes a while.

 

I've never lived out in the sticks before so I can't reflect on your predicament, but then I tend to use internet banking even whilst living in the big city.

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we also use internet banking,good job as that is how we found out about money going from our account! thank you all for your help and have clicked the stars on you both

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Payplan have been in touch with us but suggest we tell all our creditors about our financial difficulties,is this the same as doing your own DMP, have no idea how to do this,

 

Years ago we were with Gemstone Financial but we were paying them over £100 a month to keep our creditors at bay, just could not afford them so got shut.

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Hi,

 

You will get all the info here you need.

 

In fact far better information than any fee paying dmp will give you.

 

The usual advice is to start a thread on each debt giving as much info you can on it.

 

ie:

 

Original Creditor, type of debt ( credit card / loan / overdraft, etc ), how much is owed roughly, date taken out, whether it is now with a DCA etc.

 

Then others will be able to assist you on the way forward.

 

Regards,

Stormski

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thank you stormski

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Good luck with your DMP. It's not as hard as it sounds, especially if you get sent 5 Income & Expenditure forms...you'll have more clue about your money by the end of the month guaranteed.

 

One thing to watch out for is something called "negative disposable income". This is where, for example, you earn £1000 a month, but your bills (before debts) come to more than that. You don't have a penny to give back to the creditors, and they will simply default on you and send you packing.

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  • 1 year later...

Just noticed this post. We have never charged a fee of anything like £100 a month. I assume the reference is to the overall payment, of which the majority (even in the case of £100 disposable income) would go directly to the creditors.

 

 

I obviously cannot comment in respect of specific cases on a public forum

 

 

The debate over 'free' or 'fee' will never end, and there are advantages and disadvantages to each. Assuming that the Debt Management Company is competent, the main disadvantage of using a commercial firm is of course the fact we charge for services. The question should therefore come down to value.

 

 

Incidentally, Payplan IS associated with a commercial entity that returns profit each year, of which some I believe is linked to the sale of IVAs from people referred to their 'free' debt management service.

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  • dx100uk changed the title to Barclays debt they want more -Advice please
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