Jump to content


  • Tweets

  • Posts

    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
  • 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
  • Recommended Topics

OH's Barclaycard debt sold to MKDP


Yorky55
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4121 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

Yes they have my letter, as they replied to it asking me to send £1 as I didnt enclose it.

 

Royal Mail say that there is no signature as they still cant track the item>

 

I have recorded delivery and postal order reiepts,

It isnt cashed yet?

 

I have to wait 15 days for th Po to be decalred as lost????????

 

I have to send a P58 form to royal mail

 

in the meantime I have the NCO to sort with my 14 days nearly at an end for the CSA

 

hy 2Grumpy, many thanks

I will do that and also throw in, if they say they havnt got it, I think someone nicked and report to police?

Link to post
Share on other sites

  • Replies 101
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

calm down, and the policw will not be int

its only £1!

still say its a delaying tactic!

 

do as 2grumpy says.

 

now the £10 for bc is for the SAR?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi

 

I'd be tempted to advise them, that you made a copy of your letter sent to them, along with a copy of the postal order ref: ****** also sent, which was sealed in front of an independent witness and sent special/recorded delivery to them on *** date.

 

Suggest that they launch an independent investigation within their organisation to find out who has taken the PO, and that you do not deem that the inefficiencies within their organisation is a good enough reason for them not to abide by the 12+2 days allocated to them.

 

Expect their full response by this date or expect the matter closed.

 

But i'm in a fighting mood today - they're a bunch of scheming so-in-so's!!

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Hy

 

Just an update;

 

1] Sent Barclaycard a RSA request enclosed £10 PO so am waiting for reply

 

2] Sent another letter to NCO stating I had sent £1 PO, sent them photocopy of receipt, as they said they never received it, I politely reminded them that they have only a few days to reply to my original request, which was sent on 20th October 2009.

What do I do now? if they haven't sent the information.

 

3] received form from FOS, regarding the money (£699) Barclaycard took which was for rent. Am claiming for this money back.

 

The outstanding balance owed of about £6,200 to £6,400+ is still unclear, NCO say one figure, Barclaycard are saying another.

I actually have no idea other than recent letters saying what was owed, how much paid over the last 18 months, any help on this please, many thanks,

 

Can anyone spend some time mentoring me with these problems as I dont want to get it wrong

many thanks

Link to post
Share on other sites

as soon as nco default, fire off the failure to comply to cca / account now in dispute letter and stop paying.

 

wait for the bc sar reply to find the real bal.

 

your cra file might also throw some light on that.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hy

Im sorry i dont know where I am with my threads etc. Im not feeling well either, recovering from open heart surgery?

 

1] Sent NCO a CRA with £1 PO on, saying that they had 14 days to reply;

I recieved a letter from NCO on;

They said I hadnt sent the £1 PO and I should send £1 to cover payment and that they would send details I originally requested.

I then sent a stern letter to NCO on;

in which I high lighted my original request and sent proof that £1 Po had been sent.

Today 10th November I recieved reply from NCO, who say the following;

NCO are in recipet of my cvorespondance, which they recieved in there office on 2nd nov and that they will fully investigate my concerns.

My letter passed to Barclaycard for there attention and asked me to allow 7 - 10 days from the date of there letter in order for them to respond, if I still havnt recieved credit agreement then i have to contact NCO so they can contact Barclaycard

 

Now on to SRA

I sent a SRA to barclaycard last week enclosing £10 PO

Today I recieved my original request letter, with PO attatched and a date stamp of Barclaycrad Teeside 6 Nov 2009 on letter and Barcyalcard OFT Support stamped 11 Nov 2009.

They attatched a complement slip and say;

"address quoated is different to that held by us. If recently moved please contact customer suport"

 

and this is it?????????

 

I moved over 18 months ago, I sent change of adress letter and loads of other letters with no response, but NCO who i am paying £16 per month to, know that my curent address is my contact address. Also Barclaycard sent a letter for my partner to sign so they can discuss my details with them and this was sent to me to complete at my curent address.

 

So how Ido I sort out all this mess, can anyone help please as I want to get my reply sent tomorow asap, many thanks.

Link to post
Share on other sites

But If Barclaycard had sent me corespondance before here to me and also NCO ther dca have been sending letters here, how can the Barclaycard say they havnt got my new address?

 

or shall I have to start all over again, yet NCO have been sending letters to me about debt payments for the last 6 months or more?

Link to post
Share on other sites

Hy

I did a letter last night to send today, stating that they had contacted me before and NCO had also, I also found on the computer the letter May 2008, sent to Barclaycard Northampton, explaining I can only aford £16 per month, and at that time it was with Mercers/ also had to move and not to send any letters to old address.

I have redated the SAR for the 10 Nov, am returning original SAR request and £10 postal ordre and that I will accept no further excuses as to why I cant have my information/

 

I will write to NCO as they have long past there 14 days;

 

It now seems acording to NCO letter recieved yesterday that the balance is £6200+, yet Barclaycard say £6,400+ and yet another total from September is not even showing payments I made, so I have no idea of the following;

 

1]Actual balance owed?

2] I asked for interest to be stoopeed, I dont think it has?

3]No idea of any monthgly charges made by Barclaycard over 18 months?

 

any idea what I do now, also FOS are looking into my complaint that Barclaycard took £699 from my a/c which was towards rent money

 

many thanks

Link to post
Share on other sites

Hiya Yorky,

 

Have moved your thread to the Barclaycard Forum,

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hy

Please Help;

I received the following;

1] Letter from NCO saying wait 7-10days for a reply regarding CRA request

 

2] my original; SAR and £10 Po from Barclaycard saying that the address on file is not that I quote, yet I have correspondence from them at my new address

 

3] Received today? From Barclaycard-

"i write further to your letter requesting a copy of your executed agreement.......

Ref- Section 78 of the CCA 1974

 

Please find enclosed a copy of your latest executed agreement......

However, interest rates have been omitted. fees and charges have been suspended and are no longer applicable.....as your account is now in a recovery programme......This completes our obligation to you under section 78 of the CCA 1974."

 

Odd since Barclaycard added £400 of interest from april to sept this year?

 

They sent 3 pages photocopies;

Page 1 - Blank has just "1994"

Page 2 - Barclaycard Conditions Of Use- all the jargon

Page 3 - Application[A very poor copy mostly black

Name, Address, Work, Home etc are all blank, Date & Sig are also Blank?

 

How do I know what charges, payments etc and balance is if they dont provide me?

 

I will send SAR, but what is this copy that they have sent me?

can anyone help, have they failed in providing me with a true copy and can I disput this now

many thanks

Link to post
Share on other sites

Hi Yorky,

 

I've moved the above post, that was on another thread, here onto your own thread. Add your thread's "address" to your Favorites or Bookmark it so you can find it when needed.

 

Write back to BC confirming your address and ask that they comply with your SAR, for which you have already paid the £10 fee.

 

If you are already in touch with the FOS about BC's action in taking money from your a/c, I suggest your add a further complaint to the FOS in writing.

 

Complain that BC have refused to supply you with a copy of your credit agreement even after you made a formal CCA request with the required fee. Ask if they would kindly instruct BC to forward the credit agreement to you, as you are entitled to see it.

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

Hi Yorky,

 

They have sent you what THEY say fulfills their obligations under CCA 1974.

 

So, as you disagree, send them this letter, adapted to reflect your own case as necessary - http://www.consumeractiongroup.co.uk/forum/barclaycard/167584-barclaycard-no-cca.html#post1821561

 

This will put the account In Dispute. When they reply with another load of hogwash, you can complain to the FOS and see if they will intervene, and get BC to send you the proper credit agreement.

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

  • 1 month later...
  • 3 years later...

Hello, come across your thread.

 

I have a Barclaycard debt £6,200 approx.

 

I had not heard from them for over a year, but less than 6 I think?

 

Last corespondance was that Intrem Justitia who had been taking my small payments,

satted that i was no longer to pay them,

that they were no longer in charge of debt,

passed back to Barclaycard.

 

If I remember at the time, I had just undergone/recovering from open heart surgery,

sent letters to Barclaycard with a £10 PO, some papers were sent back as well as teh PO stating not recognisedat address? ,

 

which is odd since Intrum adn Barclays had sent me papers at address to start with?

 

Anyway i had not heard anything from anyone at all for at least a 15months

 

Mother died last year of cancer being self employed spent a long time dealing with this so income is well down.

 

To the point;

Today recieved letter from MKDP - advising me they are now the A/C and debt legal owners?

Also recieved from Barclaycard that they have assigned and transfered A/c debt to MKDP LLP. MKDP LLP

has appointed MK Rapid Recoveries as there servicing agents all corespondance should now be sent to MKRapid recoveries.

 

Ok

1] What d I do, contact them and offer to pay what I can, sending budget sheet, about £5 to £10 is alkl I can manage a month.

 

2] or Contact CCCS and go for a Inslovency or DROrder?

 

can you help with this please as i am nearly 60 now, dont want any more stress

 

many thanks

Link to post
Share on other sites

You would need to have debts of under £15,000 with no assets if you were to be thinking about a DRO. You might want to have a word with National Debtline, they will go through all your options with you.

 

Do you know if there was any Payment Protection Insurance on this account ?

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Thanks for reply I know its late.

 

No PPI, assets I rent so no property have car but need that for self employed work

I guess my mane concern is whay have I heard nothing from Barclaycard for over 15 mths and today a letter from MKDP

do I start the provingf debt thing or send budget and offer?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...