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    • Seems they think they are… 🤣   Should I be putting my car on my drive? Only have space for 1 vehicle and usually have my work van on there.
    • no .....who do you think moneybarn-  are some super power you've paid over a 1/3rd they can't snatch the car and if they do its the best thing they could have done as it would void the agreement and you'd get everything paid back and the car for free.   dx  
    • Thanks for posting up the answers so quickly.   You are slightly wrong in Law that not seeing a notice is virtually a get out of jail card. Were it the case, then every motorist would say they hadn't seen the signs . Of course the signs have to be situated where motorists can see them and the font size has to be big enough to read-perhaps from a moving car so you still have options there-especially if it is a new car park and the bugs haven't been sorted out yet.   Are you close enough to get photos from the car park? especially at the entrance and the payment machine but also other dotted around the car park and any that have different terms on their sign compared to others. try not to get a PCN if you do. If you know someone in Berwick they could send you some pictures. It might cost you a dram but saves your petrol-and maybe your bacon.   You haven't posted the PCN that you should have received from PE after the Finance company gave them your name. Did you receive  a Notice to Driver  -something similar to the one sent to the Finance company.after the Finance company reported you.  No I don't mean the crap you received from DCBL:.   The reason we advise not to appeal is that in doing so the motorist often gives away the fact that they were the driver when they are appealing as the keeper.  Under the Protection of Freedoms Act 2012 if the PCN is not compliant, the keeper cannot be held liable for the alleged debt. And even if the keeper and driver are the same person, should the case ever get to Court PE cannot assume that the driver and keeper are the same person.    If you have given away that you are the keeper and the driver it is not fatal as there usually other things that  can be challenged and won but it is best practice not to appeal in the first place.    
    • That was over very quickly.   Whilst the claimants legal representative was going through the witness statement the judge highlighted that the statement of truth was out of date.    During my time to talk I highlighted that the judge from the allocation to small claims track had requested that the claimant also sends through the signed agreement (that the statement of truth references) by both company directors with witnesses present. It was noted that this hadn't been done.    I am very happy to announce the judge was then quick to dismiss the case, all this taking place within 15 minutes. The judge also highlighted the discrepancy between the signage of 1hour and 1hour and 30 mins (which I received during the freedom of information request) to which the legal representative admitted he had not seen. The fleecers hadn't forwarded on the freedom of information request or my witness statement/defence to him.    Speaking with the legal representative before the case he had asked if he could look over my defence, I was reluctant to let him look before the case but was curious to what defence he could conjure in 5minutes so I accepted. He then said that he would ask the judge for proof that I had sent my defence in good time, I showed him (before the hearing) an email I sent on the 6th April that I had infact sent it to DCB Legal, after this he did not mention it in court. It was clear that he had received very little information in regards to the case this was something he conceded at the end.    The judge asked for any final words and I brought up the topic of exceptional expenses due to the nature of the case being so definite. Also wasting everyone's time in the court room, the fleecers should be given the harshest penalty. She advised that I had not submitted a counter claim and that the maximum would be £95 for loss of earnings expenses.  We then proceeded to work out how much my salary was etc and the fleecers legal rep accepted I should be awarded the maximum.   I would like to thank you all for your help and time with sorting through this with me! Once the expenses have been paid I will make a donation the the page!!! Thanks again!!!  
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PPI - Barclaycard

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Hello, Barclaycard sent a questionnaire to me a month ago about PPI possibly being missold to me. I filled in all the questions and was informed that yes I was entitled to £1200. Well I phoned on the day of the letter and they said that they would pay me either by cheque or bank transfer whichever I wanted. As it was a week before Xmas I opted for the bank transfer option, I was told that with Xmas approaching I should have the money by Friday past at the latest.



I called them on Saturday and I spoke to a gentleman who to be honest didn't have a clue and told me that my refund would be in my account by today. Low and behold no money appeared in the account today but a letter arrived and I was told my credit limit would be decreased by almost the same figure as the PPI refund! Very convenient.



I also received my PPI cheque in the post which was supposed to be a BACS transfer.



My questions are :-



!) Can they decrease my credit limit at 3 days notice? I will be overdrawn because of this.



2) If I lodge this cheque with the bank is there a chance of them cancelling it as I am now overdrawn with my credit card and I don't want them to take the money back.



They said that if they cancel the cheque and do a BACS bank transfer it will take a month for it all to be processed! I specifically told them I wanted a bank transfer and now they are saying that their system had automatically sent out the cheque which in turn has left me in debt as I overspent at Xmas. As I am a Barclaycard holder can I go into the branch to cash it? I have no savings or current account with them.



Is there anything I can do?



Also, I want to freeze my interest and make token payments but not until I get my PPI sorted. Are they obliged to freeze interest, My hours of work are lower than they were before and I need to reduce and I need to reduce payments, I am sure this will be an uphill battle!!



Thank you

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