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    • Is it unusual for them to have all the documents they have provided so far?
    • That still leaves it unclear if: a) you “made a mistake” and accidentally bought the wrong ticket (only to Three Bridges), or b) You had a “moment of very poor judgement” and deliberately bought a ‘short ticket’ It can’t be both.   Climb off the fence you are sitting on, it’ll give you splinters............ at the moment you are trying to hedge your bets but it is obvious that is what you are doing, and as a result: why should they believe the rest (expressions of regret, won’t do it again, sole income earner who will lose their job, etc.)
    • Email and call your local councillor, their details should be on Google.  Just explain everything to them and they will have the bailiffs off your back in short order.   Do it now, and this could be resolved by tomorrow.  
    • Your latest ramblings make no sense in relation to the issue (which is whether a person hearing an SD can question the maker as to its truthfulness and reject the declaration if they are not satisfied as such).     It's not within 21 days of the hearing it's within 21 days of learning of the conviction of which they were unaware. I don't know what it is you are reading or are referring to but there is no "debtor" involved in an SD that is made to have a conviction set aside. When an SD is heard in court the only officers involved are the court's Legal Advisor and the Magistrates themselves.   I’ve just been looking back at the original post which started all this off to ensure I wasn’t going mad. I’m pleased to say I don’t think I am. Instead I am of the opinion that you did not properly grasp what originally happened to the OP and compounded that by providing incorrect, misleading and confusing advice whilst plucking bits of irrelevant legislation from thin air randomly when you commented. Here’s a few of your quotes and my comments for you to consider.     The OP said no such thing. She said she had moved three years earlier. For some reason unknown, her change of address was not recorded by the DVLA. She said she was happy to accept the speeding allegation. This indicated she was driving (a fact she confirmed absolutely soon afterwards). Nowhere did she ever say she was not the owner of the vehicle at the relevant time.         So, from advice to plead Not Guilty to advice to plead Guilty inside two hours, with no new or additional information provided. Still you mention somebody else being the driver.         What is an “out of time statement” and where and when was one ever mentioned?     Then from the OP:       Your response:       The cause of any confusion was your comments. She said from the outset that she did not live at her old address when the offence was committed (in fact she went to some lengths to explain that was why she did not receive the court papers). Nowhere did she suggest she was not the driver nor that she could not or would not disclose who was.     No it isn’t. A Statutory Declaration voids the original conviction as if it never happened. Section 142 of the Magistrates’ Court Act is not involved with the resurrection of proceedings following an SD. That Section grants the Magistrates powers to re-open cases to rectify mistakes, etc. There has been no mistake here, the Magistrates will not be called upon to re-open the case and could not prevent it being revisited even if they wanted to.   Then we set off into the intricacies of the Statutory Declaration process which is covered above.   I’m not surprised the OP in this particular case became confused. Her matter is straightforward enough (for those who know the law and the process). In summary: She moved; She thought the DVLA had her vehicle registered at her new address but they hadn’t; Her vehicle (with her driving) was detected speeding; She (unsurprisingly) did not receive the notification of that offence or the request for driver’s details; She obviously didn’t reply to that request, she was prosecuted for it, convicted in her absence and without her knowledge.   Happens every day and simple to deal with.   Unfortunately, not when you became involved it isn't. Firstly you grasped the wrong end of the stick by assuming she was not the owner and/or the driver. You advised her to plead Not Guilty on that basis. Then, when you had grasped some idea of what had really happened you suggested she plead guilty to the S172 offence purely on the basis she had moved and the speeding information was sent to her old address. Very poor advice. Then you scared her witless by incorrectly suggesting there was a chance her SD would be rejected if it was thought her declaration may be untruthful. There also followed discussions about the six month time limit for prosecutions and the 21 day limit for SDs to be accepted unconditionally (both totally irrelevant).   I don’t suppose you will accept any of these criticisms but whether you do or not you clearly caused the OP considerable confusion and probably distress. My comments are not based on something I've heard on the net or on barroom (sic) knowledge. They are based on my knowledge of the law and of Magistrates' Court procedures.  It's obvious you will pay no heed to me so when I see any such clearly misleading information provided to an OP by you in this section in future I will simply report it to the site's administrators.
    • Just ignore unless you receive a PAP letter.    Chances are you will run out the clock and it will become SB'd.    
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Hi all - I've successfully claimed from MBNA for missold PPI - incredibly easy so I thought I'd have a go at Barclaycard.

 

I submitted SAR and got 6 years of statements showing my PPI active from 2006 - 2007 when I cancelled it (I realised it was a pointless expense).

 

However I noted PPI has been on the account since 1989.

 

Now initially BC turned down the complaint so I went to the FOS and strangely they've caved in as soon as the FOS process was started.

 

I've received a letter from the FOS telling me I will receive an offer by the 4/1/13

however I'm not sure what a fair offer would be - ie will it only be for the year I can show PPI payments or should it include the payments back to 1989?

 

As I can't prove how much I paid can I be paid an amount based on a average yearly balance etc and do barclays keep records like that?

Thanks all

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Did you not prepare your own Spreadsheet ?

 

If you have your statements, you can still do this.. I have attached a spreadsheet below.

 

They should actually send you a breakdown of the premiums and interest they are paying with the offer.. if not, you can request this before accepting.

 

[ATTACH]40007[/ATTACH]


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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

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3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

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5: Forum rules - These have been updated -

Please Read

 

 

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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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I'm afraid I didn't do spreadsheet and fos have the statements. But what I'm interested in really is whether I'll be credited with the ppi payments from 1989 to 2006 that I couldn't get statements for?

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I'm afraid I didn't do spreadsheet and fos have the statements. But what I'm interested in really is whether I'll be credited with the ppi payments from 1989 to 2006 that I couldn't get statements for?

 

In theory you should be- you have paid these premiums when you shouldnt have.

 

There have been reports where people have indeed received the premiums from way back.. I think the most recent one was the Co-op where the claimant was repaid from 1995 !!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?367801-PPI-on-Co-Op-Loans-from-1995-96-%2A%2AWON%2A%2A-%A33k

 

However, there have been instances where unless the claimant is able to back up their claim with statements, the banks are only going back as far as 6 years.


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

 

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 from SAR I have proof that PPI was applied to account from 1989 to 1997 - I was wondering if Barclays could be compelled to make a payment based on a average yearly balance which I've heard some people have been paid - no references though I'm afraid

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Hi there

- I'm rather confused re ppi payouts using the fos spreadsheet -

 

I'm currently awaiting a payout from barclaycard and foolishly didn't do a spreadsheet when I had the statements.

 

Effectively the account has run at nearly 16k for last 7 yrs but has had ppi on it from 1989 till late 1997.

 

The only PPI I have statements for comes to about 600 quid in payments which using the spreadsheet comes to about 900 quid with interest.

Surely this can't be right?

 

I would have thought that the 600 quid would be applied to the account from that date negating the interest on that 600

and also therefore increasing the amount paid off the principle by the monthly payments.

 

If I work on 25% on the 600 for the 6 years plus the amount each month that would be applied to the principle as a result I make it to be about 12k to be taken off my account balance

- does this seem possible or am I barking up completely the wrong tree?

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If you fill in the spreadsheet correctly it will reconstruct the account as tough the PPI and associated interest had not been applied and ten gives you the figure for the potential award.

 

Post up the spreadsheet you have prepared so we can see what it looks like.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Two threads merged...please keep to this one thread for this Barclaycard PPI issue.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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barclaycard are known to take the PPI figure from the earliest 3 statements

and back calculate that in a decreasing manner to the start of the A/C.

 

just type in barclaycard PPI

 

in our gray toolbar search box.

 

DO NOT TRUST THEM

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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barclaycard are known to take the PPI figure from the earliest 3 statements

and back calculate that in a decreasing manner to the start of the A/C.

 

just type in barclaycard PPI

 

in our gray toolbar search box.

 

DO NOT TRUST THEM

 

dx

 

Sorry for the second thread thought slightly different issue - however I'll keep an eye on them!

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I'll post the spreadsheet tomorrow or should I pm it? Anyway when you say barclaycard take 1st 3 ppi payment then average it out - in my case would that mean 3 payments in 2006 then run that backwards to 1989 when it started (decreasing of course)? Or does it mean they'll just look at 3 payments and run an average forward to 200z when I cancelled it?

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no backwards on missing data

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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no backwards on missing data

 

dx

 

That could add up to a lot as it would be about 35 to 40 quid decreasing from 2006 to 1989.........

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You will need this spreadsheet.

 

FosCISheet v101.xls

 

BC stopped the PPI in October 2007 but the balance on the account included the PPI and associated interest up to that date. The PPI balance and interest was £1176.87.

 

In the attached spreadsheet, enter that figure as the PPI payment and the "from" date should be set to 1/11/07. The "to" date should be set to today and the interest rate should be set at the purchase rate they were charging on the card.

 

This sheet will give you another figure...add it to the result of the sheet you have already done and you should be there.

  • Confused 1

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Well its late January and offer from BC not turned up yet.

 

The offer according to customer services bod is with the dept that deals with this.

 

However this dept in BC is so focused on getting their work done they have no telephone to be contacted on

- not even on the internal BC system.

 

Utter [naughty word] I think but not much I can do unless anyone knows different?

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Well the offer has finally arrived and is less than it should be if I had more statements but more than I expected. So a win as far as I can see at present. Now in waiting game having sent my acceptance back by special delivery so I know when its arrived.

 

Now my main question is about when the payment is likely to arrive. I requested BACS as I don't want delays with cheques and postal delivery errors. B/C are quoting 28 days which I think is ridiculous as its a matter of receiving form then paying. However is this 28 working days (ie 5 1/2 weeks) or a straight 28 days (4 weeks)?

 

Incidently how can an organisation that depends on us spending money 24/7 only operate 9 to 3.30 monday to Friday when paying its customers back?

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They quoted 28 days to me also.

 

I accepted on August 14 2012 and received payment by BACS almost 60 days later....

 

I phoned them a lot of times chasing the payment in the early days.... They probably delayed me because of my persistence lol.

 

Hope your payment arrives more quickly!


It never rains but it pours...

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They quoted 28 days to me also.

 

I accepted on August 14 2012 and received payment by BACS almost 60 days later....

 

I phoned them a lot of times chasing the payment in the early days.... They probably delayed me because of my persistence lol.

 

Hope your payment arrives more quickly!

 

Well that's not reassuring but I shall wait and see. I did try the if its delayed then I'll need payment revised upwards for interest but they have countered with its calculated on 8 weeks payment window. That's a more likely payment date I think. I'll continue to chase as I'm really annoyed by their delaying tactics.

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Well todays "chasing" phone call was slightly productive in that the customer service rep has confirmed the 28 day payment window starts on day they receive acceptance letter. Admittedly they're out by one day as I sent by special delivery and confirmed date and time of signature but I'll allow 29days......

It was also useful to discover its 28days - not 28 working days - therfore 4 weeks from receipt of acceptance not 5 1/2.

Still seems an awfully long time to get a bit of typing done though.

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Well todays "chasing" phone call was slightly productive in that the customer service rep has confirmed the 28 day payment window starts on day they receive acceptance letter. Admittedly they're out by one day as I sent by special delivery and confirmed date and time of signature but I'll allow 29days......

It was also useful to discover its 28days - not 28 working days - therfore 4 weeks from receipt of acceptance not 5 1/2.

Still seems an awfully long time to get a bit of typing done though.

 

Agreed, it is interesting that it takes them so long to write out a cheque for a customer in respect of monies they have had control of for a very long time !!


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

 

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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Agreed, it is interesting that it takes them so long to write out a cheque for a customer in respect of monies they have had control of for a very long time !!

 

Its not even a cheque! All they have to do is reduce the account balance to zero and transfer the rest by BACS to my account. Simples

 

I can vaguely understand that it will take time to calculate payment (although I assume pretty automated now) but once calculated and agreed how can that take 4 weeks....

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Ah well its been 29 days since the efficient staff at barclaycard received my acceptance - time for another call I feel.

 

Incidently I feel the customer service rep I spoke to last has a different view of reality to the rest of the financial world.

 

Despite my acceptance letter being signed for as a special delivery letter Barclaycard only views it as delivered when it turns up in the relevant department.

 

Does this mean that barclaycard will consider that when I receive their bill it becomes payable in 28 days from the date I open it not from the date it drops through my letterbox?

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I spoke to the Barclaycard PPI team on Friday afternoon thanking them for their offer

to put me back in the position I would have been had they not applied the cover,

but highlighting that they have offered to refund my premiums,

associated interest and statutory interest,

but not for my phone calls,

postage,

cost of SAR and time.

 

Apparently their seperate customer service team will contact me by the end of today - Fingers crossed!

 

Have you tried that?

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I spoke to the Barclaycard PPI team on Friday afternoon thanking them for their offer to put me back in the position I would have been had they not applied the cover, but highlighting that they have offered to refund my premiums, associated interest and statutory interest, but not for my phone calls, postage, cost of SAR and time. Apparently their seperate customer service team will contact me by the end of today - Fingers crossed! Have you tried that?

 

I haven't but I'll give it a go! Totally hacked off that the amount they're offering exceeds amount on card but whilst I'm waiting for payout I'm being charged interest. Obviously if I stop paying them a default will be placed on my credit file so they have me at present

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