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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Barclays charges while receiving benefits


misslaika
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Hi,

 

I am currently receiving ESA and have an overdraft with Barclays. Currently my overdraft has been limited and when I receive my ESA, Barclays are taking £22 a time every time I am using my reserve. This month they took £88 in charges and this was taken from my ESA which left me with little money to survive on for the rest of the month.

 

Can Barclays do this even though I am receiving benefits?

 

Thank you.

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Use BCOBS and tell barclays to refund the charges. Also tell them you are on benefits.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Misslaika and welcome to CAG

 

Because there is an overdraft and/or lending involved, you should see this Article - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

Also, if the bank has left you with insufficient funds to survive the month by taking their charges, you should make an urgent phone complaint to The FOS. Tell them the bank has been taking these charges from your Benefits money and leaving you short of necessary funds.

 

If you use The FOS to complain and you are persistent, you may get the money refunded quickly.

 

You can then use The Lending Code to try and get older charges back from March 2011 onwards. Do this on the basis that the bank should have been more pro-active in helping you, instead of repeatedly hitting you with their charges. If the bank refuses to refund, you can use BCOBs to try and get their attention.

 

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I suggest you get a new basic bank account and have your benefits paid into it. You won't get an overdraft but then you won't get charged either.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Yes, very good point from Caro, to avoid them taking further charges from you.

 

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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... 

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Hi all, thank you for your replies.

 

I first would really like Barclays to refund me back the £88 they have just charged me before I reclaim back what I can. Does anyone have a template with the right words that would make Barclays refund me.

 

I read the thread you referred to dx100uk. Do I mention the FSA part?

 

Thank you.

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If you want an immediate refund, you need to call the FOS and tell them (if it's true) that Barclays have taken £88 from your Benefits money again and this has left you without enough to meet yours or your dependents' needs.

 

You need to be polite but firm and insistent.

 

If the FOS appear interested and helpful, they may get the bank to refund. If the FOS don't go that far, get onto Barclays HQ and tell them you have an FOS urgent complaint and reference number and, if the bank fails to refund the fees immediately, you will take the matter further using the BCOBs Regulation and anything else that will help you.

 

:-D

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Hi thank you for your reply. I will ring the FOS tomorrow morning. My benefits went in a few days before Barclays took their charges. It all started a couple of months ago and now all these charges have left me in a worse situation. £88 this time and last month was just the same.

Edited by misslaika
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When things are sorted out, perhaps get a letter of appropriation going. Banks hate that, but theres nothing they can do about it ;)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Update: I complained to Barclays about the charges via email. Now, I get a text message from Barclays to ring them urgently about my complaint.

 

Im nervous, I don't know what to say as in legal terms. Can someone give me a guidance on what to say to Barclays regarding BCOBS and FSA about them charging me while on benefits.

 

Thank you.

Edited by misslaika
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HI MissL,

 

You need no legal terms at all.

 

You need to say you have taken my Benefits money and left me with too little for me and/or my family. If you don't repay it immediately, I will take further action using the BCOBs Regulations as well as formal complaints to The FOS and Barclays London HQ.

 

Don't get involved in any argument or discussion, just ask if they're going to refund immediately, or not.

 

Did you speak to The FOS as suggested. If so, when was this and what did they say.

 

Report back please.

 

:wink:

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Also, what Dep't at Barclays wants you to call them ?

 

:-)

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When speaking to them on the phone, remeber this. YOU are in control, NOT them. Do not be pushed around or be coerced into doing what they want. If you dont get the resolution YOU deem fit, then tell them so and escalate it to the next level.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi I didn't ring the FOS at first because I thought I would complain to Barclays then if the FOS get involved then they would see I tried to resolve with Barclays first.

 

The number they want me to ring is customer relations.

 

Thanks all for the encouragement, I'm going to ring them now... nervous :)

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Shame you didn't call FOS as suggested. You would have then had a Complaint Ref number to show Barclays you were serious about getting your money back.

 

I doubt Barclays Cust'r Relations will be worth calling as they will just blank you. They have no authority to make their own decisions or exercise discretion.

 

Call FOS Thursday morning FIRST THING and complain like mad !!

 

If you don't follow our advice, you will NOT get the money refunded. :sad:

 

:wink:

Edited by slick132

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Hi, well just come off the phone to Barclays. They said they are within their rights to charge me while I am receiving benefits. He said he will send it in writing confirming that Barclays are within their rights, which shocked me abit.

 

I will ring FOS tomorrow.

Edited by misslaika
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Hi, if the FOS doesn't seem interested what would the next step be? I'm just preparing myself after what Barclays said about their charges during the phone call.

 

I expected Barclays to refund the charges there and then. Pft...

Edited by misslaika
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Hi MissL,

 

Barclays were never likely to help you voluntarily in this situation.

 

When you talk to the FOS, tell them Barclays have put you into a position of severe hardship (if this is the case). leaving you with insufficient funds to pay for rent/council tax/food/utility bills. Use whichever apply.

 

Ask The FOS to instruct Barclays to refund these charges immediately as they have failed to deal with you as required by paragraphs 224 - 227 in Section 9 of the Lending Code. Read about this in the link I put in post #3 above.

 

Do you have dependent children living with you. This may influence the situation.

 

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Hi Slick132,

 

Brilliant! Thank you for your help and advice, it is appreciated a lot. Yes I'm a single parent with 2 children. I am preparing myself for the phone call tomorrow morning and will take your advice on board on what to say (actually I will say all of it :))

 

I will keep you updated.

Edited by misslaika
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Hi MissL,

 

As a mum with 2 dependent children, you should be able to get The FOS's attention.

 

Tell them that the banks' actions are jeopardising your ability to provide the basics for your children and, by taking your Benefits money, the bank has put their own interests above the interests of your family that the Benefits were intended for.

 

Remember, you don't have to worry about any legal terms at all. Just be passionate and convincing.

 

Good luck ............. :wink:

We could do with some help from you

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Hi, need further advice, please.

 

Now I have a reference number from the fos, do I ring Barclays and tell them I've been in touch with the fos and have a reference number? Or do I wait to see what the fos says?

 

Thank you.

Edited by misslaika
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Hi MissL,

 

Call Barclays HQ tomorrow. If I can find a number, I'll stop by later with it.

 

Otherwise, get researching and find a number for the CEO's office

 

Do not bother calling the general Customer Services. You have already found that they're unable to exercise discretion and help you at all.

 

:-)

We could do with some help from you

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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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