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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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A letter from barclaycard after 5 years!


Ash1646
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Morning all.

 

It seems that I have received the same 2 letters relating to some Barclaycard accounts as others have done so over the weekend.

 

My last letter to them was back in 2009 requesting a CCA, and received a reconstituted version which I promptly rejected and told them to Foxtrot Oscar.

 

Having not heard from them since, I was happy to quietly wait out the 6 year statute barred. It seems that Barlcaycard have other ideas.

 

What is the general consensus, with a response. Should it be responded to, and if so how?

 

I'm minded to leave it alone, but I dont want them selling the account to Lowells, as once they have their teeth into you, they never seem to let go.

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Hi Ash,

 

Check through the detail of your letters regarding dates, amounts, etc to make sure it's all accurate. In particular check that any default date they quote is accurate.

 

If they didn't have a credit agreement back in 2009, they may still not have it now so they may be limited as to what recovery action they can take. However, they may sell the a/c and then it will be up to the DCA to take what action they choose.

 

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Hi Slick,

 

The letters are all on a hard drive soemwhere! I'll have to look for them this weekend, and see what they have.

 

My concern is them selling the a/c.

 

What are the rules relating to statute barred debt. Am I allowed to write to them, asking them to susbstantiate the alleged debt whilst not acknowledging it?

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What are the rules relating to statute barred debt. Am I allowed to write to them, asking them to susbstantiate the alleged debt whilst not acknowledging it?

 

Apart from checking that the info they mention is accurate, you probably shouldn't do anything more for now.

 

You can certainly question the debt without acknowledging it, using a formal CCA request or an SB letter.

 

A debt is SB'd approx 6 years after you last paid towards, or acknowledged, the debt.

 

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Unfortunately, they will keep passing it to different debt collection agencies. What you can do is after sending the Original Creditor a CCA Request, if they don't comply. Let each debt collection agency know that the Original Creditor hasn't responded to you request, Templates in the library.

 

I tried that with another account, but they keep writing, on a weekly basis....
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Slick.

 

Will take your advice and wait for their next response....

 

Rebel.

 

Thanks for the heads up.

 

I know its not the right thing to do, but I think that its been just under 5 years, since a payment has been made. I'm trying to get to 6, and then breathe.

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