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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Help please with next actions on a "formal demand for payment" letter sent by Barclaycard


ritajean
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Hi

I am new to this site although to date my friend who is a member has beenhelping me. Due to circumstances, my friend is no longer able to help so I amnow going alone.

I have an outstanding debt with Barclaycard and i stopped paying lastAugust. I wrote asking for a copy of my agreement in September and received aletter from Barclaycard saying they would answer me shortly.

However to date I have not had a reply, only letters from Mercers and manyphone calls from Barclaycard which i have ignored.

Today, I received a Formal Demand for Payment letter giving me until friday8/2 to pay the dept in full or reach an agreement with them, or else they maypass my account on to a specialist collections company and a localrepresentative may call on me.

I moved in with my mum 2 years ago when my dad died and i really do not wantanyone coming to the house.

Please can you suggest what action I can now take.

I have read that I could request a full history of my account for £10 buti'm not sure if it's too late to stop Barclaycard taking the action threatened.

thank you for reading this and i look forward to any replies

B

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Hi Ritajean and welcome to CAG

 

See here about doorstep visits - http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

Do you think there may be mis-sold PPI on the a/c, or penalty charges for late payments. If so, you can reclaim in both instances.

 

If you don't have the statements for the last 6 years and think there may be reclaimable charges, send an SAR to BC asap.

 

When you asked for the credit agreement, did you send a formal CCA request including the £1 ?

 

:wink:

We could do with some help from you

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Hi

 

thanks for your quick reply and links

 

I have checked for PPI and it did not apply to this account, sadly. I have had the account since 2000 and there have been late payment charges made over the years, so i'll pursue a claim.

 

I did send the £1 with the CCA request and got a holding letter but no formal reply. I'll send the SAR.

 

thanks for your help.

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If they've issued a formal demand, then am i correct in assuming that you had a default notice sent to you recently?

 

It's usually default notice, formal demand and then a default registered on your credit file if you dont come to an arrangement within the 7 days.

 

Not too sure on doorsteps though and as a newbie here, I thought I'd just mention what i know happens.

 

:-)

 

Good luck

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Hi

 

thanks for your reply and comments

 

Yes, I had a default notice a couple of weeks ago.

 

I was waiting on my friend however they were unable to help before the formal demand came today.

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Hi Ritajean,

 

Yes, as you think there may be penalty charges, get an SAR off to BC pronto.

 

In this connection, read other threads here concerning reclaiming - you'll learn loads about the process.

 

Would you mind saying approx what balance remains on the a/c, so we know if it's hundreds or thousands

 

Regarding a payment, I would pay nothing for now but write back to whoever sent the formal demand, telling them that BC have failed to produce anything in response to your proper and valid request made under s.78 CCA 1974, which you sent to BC on xxdate.

 

Tell them that, in the absence of a proper response from BC to the CCA request, all collection activity must be halted.

 

:-)

We could do with some help from you

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Hi

 

the amount o/s is approx £4K.

 

thanks for you advice about replying to the notice - I'll get that off tomorrow too

Edited by slick132
removed exact figure for anonymity reasons
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Hi RJ,

 

I've changed your exact figure to an approximate one.

 

We advise Caggers to remember that our forums are open for all to read, including banks, DCA's, solicitors, etc. It's therefore best to keep details less than exact so you remain anonymous to readers.

 

: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 !:-)

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