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    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
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lowells/barclaycard debt


jones2788
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Hi Jones,

 

You mention PPI but say nothing about penalty charges. Do you think you paid any of these during the history of the card ?

 

:-)

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We could do with some help from you

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Im using my phone at the min,but pics are just the application form from barclaycard,and a letter from them saying theyv fullfilled their obligation by providing that and a photocopy of t and c's no actual cca!theyv also sent a statement of the month of default and thats it?since theres no cca with my signature on and the debts from 2004 im guessing they cant do anything?cheers

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As said at the min i have to use my phone as pc is not working as it should,i know its not a guessing game,just asking for suggestions on general enforcability until i can post the application up on here,what dictates whether or not it is enforcable as it states clearly at the top of the form its an application for a barclaycard not an agreement of t and c's that are signed?

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Im no expert on enforceability but there are a lot of diffrerent things that dictate cpmpliance with the CCA hense why people are asking you to put it up. They are not asking for the sake of it. I hope you get your pc fixed quickly :D

 

In meantime basic things like all personal details must be correct, rate of interest etc

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As for PPI and Penalty charges, you should definitely look into this. 900 worth of charges may equate to refunds in the 1000's People have had success with BC within the last few weeks.

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First off, do a full subject access request to the original lender will cost you £10

As for all data including transaction lists :)

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Guidance about reclaiming PPI is in the PPI forum.

 

First move is to get your statements and check for PPI and penalty charges which could be worth FAR more than just the charges alone (due to compound interest).

 

Re the enforceability of the a/c, the signed credit card application may not comply with strict requirements but a judge may not see it that way if it went as far as court.

 

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hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol

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hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol

 

 

You are looking for any insurances. Card guards. Protection.

 

overlimit fees. Late payment charges. Returned item fees.

 

Current account charges are a different matter

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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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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