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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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help please barclaycard debt X 3 plus 1 capital One


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Could anyone please advise me further. My partner has managed to rack up credit card debts of in excess of 16K (he has Aspberger's and has spent everything we have plus a lot more that we don't on pursuing his 'special interests') We are on government benefits only and to date I have written 3 letters to Barclaycard one for each of the cards he has and a fourth to capital One enclosing a budget statement and asking if they would be prepared to write off the debt due to my failing health and care costs. this was 3 weeks ago and I have heard nothing other than this months statement for 1 of the Barclaycard accounts. Reading some of the posts it seems there is a process by which I may be able to recover some of the charges that he has been paying to offset against the debts but I am really too stupid with a computer (and financially) to work out what I might be able to do next. Hoping somebody could possibly spoon feed me step by step instructions.

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Hi, I presume that these accounts have not been defaulted yet?

Are any payments being made?

I am afraid that it is unlikely that the debts will be written off, which is why

your letters have been ignored.

Have you retained ALL the statements from ALL the accounts?

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I believe from what I can find (that he hasnt hidden/lost) that the accounts have missed payments and barclaycard keep ringing for him so i suspect unpaid for around 3 to 4 months. So all I guess are in default. I can possibly find quite a lot of the statements but certainly not all (I didnt realise that there were 3 separate Barclaycard accounts) Is it possible that if he asks they would supply copy statements although I think they may charge for this

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Do you have authority to act for him, has he given you written authority to contact his creditors?

If not you will not get any responses.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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He would be happy for me to deal with all of this for him and would sign a letter to that effect but I feel overwhelmed by the whole thing and although I really want to be able to help him find a route through this I feel it is more appropriate that he work alongside me to deal with it reather than I take over the responsibility of trying to do it on my own for him

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OK Capital One 10 to 12 years approx

barclaycard No 1 around 8 years My daughter is a named card holder on this account so I have concerns for her credit rating also

Barclaycard No 2 was a morgan Stanley so also around 8 years

Barclaycard No 3 its a zero rate card so I would think not too long (will try and get the answer from him tonight)

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What if any payments are being made?

Have you checked his credit reference files?

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Just wanted to say thanks for your time with this I have never felt so completely lost and out of my depth and I really appreciate that you seem to know what your doing with this

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OK Capital One 10 to 12 years approx

barclaycard No 1 around 8 years My daughter is a named card holder on this account so I have concerns for her credit rating also

Barclaycard No 2 was a morgan Stanley so also around 8 years

Barclaycard No 3 its a zero rate card so I would think not too long (will try and get the answer from him tonight)

 

Right let's try and sort this out.

 

 

1. Capital 1 Send a CCA request to them let see if they have it still.

2.BC 1. the same and BC 2.

 

Use the template from the CAG Library and send £1 statutory fee for each request,

the have 12 +2 days to reply.

 

I take it none of the accounts has been defaulted/terminated or sold on?

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Just wanted to say thanks for your time with this I have never felt so completely lost and out of my depth and I really appreciate that you seem to know what your doing with this

 

Happy to help!!

Yes check Experian and or Equifax both have free 30 day trials (cancel when you have the reports) or Noddle (callcredit) is free, but in my experience not always up to date.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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have found the letters will make sure they are sent in the morning and will be back to you when I hear more

Should I ask partner to contact the creditcard companies for copy statements or wait for replies to these letters I think that copy statements are about £5 each so I will try and uncover any we have here anyway

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  • 2 weeks later...

Just to bring you up to speed partner has now received 2 replies from Barclaycard stating that they are looking into the request for the credit agreement. Only 2 replies from the 3 Barclaycard accounts so far, I'm not sure how long this normally takes but they do seem to be taking their time. Will let you know if I have any further news

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Having looked back I see that they have 14 days to reply is that working days? However they have replied and said they are looking into it for 2 accounts, is that all they are required to do within this time scale or should they send the copies of the agreements in 12+2 days? Sorry to be this thick.

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