Jump to content


  • Tweets

  • Posts

    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
  • 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

Barclaycard (was Egg) CCA request


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

Thread Locked

because no one has posted on it for the last 3422 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

Morning

Sorry for the "hand holding" request - I'm new to all this.

 

I'm 10 months in to a DMP,

largest creditor being Barclaycard (this was an Egg card taken out in approx. 2001/2002).

 

 

Agreed payment plan would mean debt is repaid in 6 yrs if no interest charged.

 

 

Despite several requests Bcard will not freeze interest, or default me, but show AP on Credit File.

I'm paying too much each month as a percentage of the debt for them to do this apparently.

 

Under the terms of my DMP, I can't drop the payment to them as total monthly debt repayment has to be distributed fairly between 3 other creditors.

 

I was thinking I would send bcard a CCA request but not sure what this would mean if they don't have one

- would this give me more leverage with them to demand interest is frozen?

Or, if they do have one, would they then get more forceful and demand more / CCJ me?

 

Any thoughts would be really welcome.

Thanks

Link to post
Share on other sites

who's the DMP with please?

 

 

pers I'd ef stop paying them and force the registering of a default

 

 

the AP markers alone, without a default can kill you for almost 12yrs.

 

 

once the debt has a defaulted date

no mater what you do

the account on your CRA file will VANISH on the defaults 6th Birthday.

 

 

who are you debts with please?

ideally YOU should CCA everyone and look at reclaiming PPI/PENALTY charges

before you enter a DMP.

 

 

as for the CCA and anyone nor having it

they get nowt, nor can they do court either without it!

 

 

any DCA's involved in this mix too?

 

 

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

Thanks DX

DMP is with Stepchange.

Stepchange have said NO to stopping paying BC.

I guess I could self manage but I'm worried about doing this.

 

Other debts are with MBNA credit card (defaulted. No interest) card taken out 2008 £4k

 

Lloyds Personal Loan (defaulted. No interest) taken out July 2012 £11k

 

Lloyds Credit Card (defaulted. No interest) card taken out in 1998 £12K

 

Lloyds small overdraft (defaulted. No interest) £500

 

Not reclaimed charges or PPI (don't think I had any PPI) on any of these accounts.

 

Still paying original creditors ATM - although have had mention of accounts being passed on as next stage.

 

As it stands all call and chasing etc has stopped - I'm concerned I'll be stirring up a hornets nest if I push them..!

Thanks

Link to post
Share on other sites

Hi Cufa and welcome to CAG

 

Only use this thread to discuss the BC case. Start threads for each other case if you want.

 

Approx what is owed to BC ?

 

See The Lending Code here, s.224 - 227 - http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

 

BC (and other creditors) have a duty imposed by The Lending Code to consider helping debtors proactively, by stopping the addition of charges and interest. If Stepchange have not managed to arrange this for you, I suggest you do this for yourself.

 

I would also argue that interest should have been stopped from whenever it became obvious you were in Financially Difficulties.

 

Do you have the a/c statements to show what you have been charged in penalties and/or PPI. If not, you can get this from BC with a SAR.

 

:-)

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 Slick132 - thanks for the welcome!

Total owed to Barclaycard is £11.5k

I have twice written to Bcard to request they stop interest, quoting the lending code - but they write back saying not their policy as I'm paying too much each month (£180) this is the figure originally proposed by Stepchange as a fair split of my total repayment to all creditors. BC are currently charging me 3% interest, but this will increase as my outstanding debt decreases and therefore my monthly repayment = a higher %. They also wont default while I'm paying this (doing me a favour they say!)

I could stop paying BC which would probably mean they'd default me and stop interest pretty quickly, but the flip side to this is that Step change would then cancel my DMP and I'd have to deal directly with each creditor. I guess this is my best option but I hesitate to do this as I'm scared the lenders will push for more and take me to court (not sure why that would even matter!) I just want BCard to freeze interest (but even better if it becomes unenforceable if I'm being honest). Do you think I would be worth another request to stop interest then, rather than a CCA request? Thanks

Link to post
Share on other sites

Hi cufa,

 

Send BC a CCA request in any event.

 

Can you tell us exactly what BC say about refusing to stop interest and you paying too much each month.

 

Are you paying 3% per month or per annum ?

 

As asked in my post above, do you have your old statements with data about penalty charges or PPI.

 

:-)

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

Thanks I will send them a CCA now. I don't have the letter to hand, but as I understand it, their system means they will only freeze interest if the monthly payment is below a certain % of the total outstanding debt. Its a set scale. My monthly repayment means it in the 3% bracket (awful that I don't know if that's monthly or yearly - I will find that out!) I haven't look at claiming for PPI as I'm sure I never had any. Likewise with the penalty charges, I paid everything on DD and somehow never went over my limit so I don't think I'll have any charges (I went straight from having all my accounts up straight, to the DMP - no "token payments" or missed payments in between. Just seems rough they wont stop interest unless you drag the debt out... or don't pay at all. Thanks for taking time to look through this

Link to post
Share on other sites

When BC totally ignored all my letters re hardship I went to FOS and insisted that FOS sent me all personal data between FOS and BC. One email from BC stated that they are ignoring me because the reduced payments offered were too little. The interesting part of this email was that if I was paying more than 1% pm, they would charge interest.

Link to post
Share on other sites

Hi Cufa,

 

When you have the letter to hand, please confirm exactly what BC about interest.

 

Also let us know the int't rate.

 

:-)

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...